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A tale as old as time...

It’s pay day. You see a big number in your bank account, so you splurge

Pay day
Cereal day

Two weeks later you’re eating cereal for dinner and taking money out of savings to cover rent

What if you could spread out your pay and lock away your savings?
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How it works

Get paid into Wildcard

Whenever you put money into Wildcard, it goes into a separate account first, called your "Pay Account"

No worries

Cover your bills

We’ll predict your upcoming bills, and help you put aside enough money to cover them

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Lock your savings

You can then put money into savings, and choose a friend to stop you from spending it

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Keep it safe

Spread your spending

Whatever money is left moves slowly into your Spending Account, to make it last until your next pay day

Get your Wildcard

Set up your account and add your card to Apple Pay or Google Pay in minutes

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Here's what people are saying


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300+ app store reviews
Victoria, 22
Communications coordinator

I’ve stopped dipping into my savings, and I’ve realized that it’s not about how much money I have, but how I spend it.

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Elisabeth, 27
Lawyer and volunteer firefighter

I am much more conscious about how I spend my money, and so much more willing to save because I get to see it ticking away and building.

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I truly love Wildcard. I set it up not even a week ago and I've already got more savings in there than I've had in years 💛

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As a university student, living month to month can be a struggle sometimes but Wildcard has really helped me space out my money as well as effectively put aside money for savings 🙂

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I’ve tried a number of budgeting techniques, but none quite worked for me. Wildcard finally ‘clicked’ for me! I now have more money leftover at the end of the week than I ever did before.

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I’d be lying if I said I can resist a sale so I feel like the wildcard defender is the saviour I’ve been waiting for to stop myself from blowing my savings on useless stuff.

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I was making a coffee when I stumbled across this app. I had set it up ready for spending through Apple Pay before my water had even boiled.

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I love mine, it's made me so much more aware of the small amounts of money I was wasting before that actually add up to be a lot over time... now it slowly trickles onto my card and saves up 😊😊

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Financial Review quote

Wildcard has created a unique savings model that drips spending money out of a savings account into a transaction account over a customer’s pay cycle, to assist budgeting and encourage savings.

Sydney Morning Herald quote

Savings fintech Wildcard is one of the startups set to participate in [open banking], and co-founder Nathan Tesler said the consumer data right will help his company set up accounts faster.

Start using Wildcard with Apple Pay or Google Pay now

Start using Wildcard with Apple Pay or Google Pay now

Set up your Wildcard account in minutes

Sign Up
Why We’re Here

Half of our generation has next to nothing in savings. We want to change that, by changing how your transaction account works

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