Turn everyday spendinginto structured value
SpenVest helps you track rewards across participating merchants in one place. See live threshold progress, unlock Smart Value Credits (SVC) as merchant-issued store credit, buy and send gift cards, and understand your spending habits so you can budget before you spend.
Understand the wallet first, then move into rewards, thresholds, and redemption.
Start with what matters most: one wallet for all your merchant rewards, visible progress toward each threshold, and simple merchant-issued value you can track and redeem.
One wallet
Keep merchant value, balances, and progress in one place.
Live progress
See thresholds and upcoming unlocks before making spending decisions.
Redeem clearly
Use value where it is allowed, with less confusion and more trust.
Loyalty cards
Store your existing loyalty cards and display barcodes at checkout.
One Account. All Your Local Rewards.
Stop signing up at every store. SpenVest tracks participating merchants in one dashboard — so your rewards are visible, centralised, and easy to understand.
No more reward apps
Your everyday merchants can run rewards, thresholds, and promotions without forcing you to create a new account each time.
Everything in one view
See every merchant's progress and store credit balance in one place — no hidden points, no guessing.
See Your Progress. In Real Time.
Live threshold progress bars show exactly how close you are to the next reward, what it's worth, and what you've unlocked before — so spending decisions feel intentional.
Live threshold bars
Watch your progress update automatically as you spend at participating merchants.
Upcoming reward value
See what you'll unlock next and how much is left — the value is clear before you commit.
History of unlocks
Track previous unlocks to understand patterns and stay motivated — visibility changes behaviour.
Your Rewards Are Now Real Value.
Smart Value Credits (SVC) are merchant-issued store credits. SpenVest tracks and visualises them per merchant — and you redeem them with the merchant who issued them.
Merchant-specific balances
Each merchant issues and honours their own SVC as store credit. There is no cross-merchant pool.
Transparent at checkout
Apply your SVC as a discount when you shop with that merchant — simple, visible, and easy to explain.
Buy and Send Gift Cards Instantly.
Purchase merchant gift cards inside SpenVest, send them to friends, and redeem in-app — perfect for birthdays, family meals, and weekly essentials.
Buy in-app
Choose a merchant, pick a value, and purchase a gift card without jumping between sites.
Send to friends
Gift value stays linked to the chosen merchant — straightforward for both sides.
Redeem easily
Redeem in-app with the issuing merchant for simple, local spending.
Understand Your Spending. Build Better Habits.
See where your money goes and plan before you spend. SpenVest turns your merchant history into budgeting clarity.
Monthly totals
Track monthly spending and compare periods to spot changes early.
Category breakdown
Understand your mix: groceries, dining, essentials, and more — so budgets are realistic.
Merchant history
See the merchants you spend with most and how your rewards are accumulating over time.
Never Miss a Promotion Again.
Get merchant promotions in-app — limited-time offers, bonus SVC campaigns, seasonal specials, and flash discounts — without hunting across social pages.
Bonus SVC campaigns
Merchants can run targeted promotions that boost your rewards when it matters most.
Offers, all in one feed
See what's live now — and decide with full visibility before you spend.
Local Convenience, Delivered.
Beyond rewards, SpenVest helps you access local convenience: delivery, online ordering, and bookings — built around your routine.
Weekly essential boxes
Grocery merchants can prepare weekly essentials so you're stocked without planning every item.
Order ahead
Shop local specialty stores online and pick up or receive delivery with less friction.
Restaurants & family meals
Book a table, or schedule family meal delivery for when you get home — convenience that fits real life.
See the Total Value You've Built.
Even though SVC is merchant-specific, SpenVest shows a total accumulated value metric across merchants as a visibility score — so you can see your progress at a glance.
Total value is a visual summary only. It is not a shared pool and is not spendable across merchants. Each SVC balance remains redeemable only with its issuing merchant.
All Your Loyalty Cards. One Place.
Store your existing loyalty and membership cards inside SpenVest. Pull up any barcode instantly at checkout — no fumbling through apps, no lost cards.
Store any loyalty card
Add cards from any store — supermarkets, pharmacies, cafés. Keep them all in your SpenVest wallet.
Display barcode at checkout
Open any saved card and show the barcode on your phone. Clean, full-screen, ready to scan.
Edit or remove anytime
Update card details or remove cards you no longer need. Your wallet stays tidy and current.
SpenVest stores your loyalty cards for display only and is not affiliated with third-party loyalty programs.
Keep SpenVest in your pocket with the mobile app.
Download the customer app for everyday use when you want faster wallet access, live threshold visibility, and merchant-issued value on mobile. Available on iOS and Android through the Australian storefronts.
Recommended for customers
Fast wallet access
Open balances, thresholds, and merchant-issued SVC without returning to the web portal each time.
Launching on iOS & Android
Customer apps are in final review for the App Store and Google Play. Until they go live, sign in here on the web — your wallet and rewards work the same way.
How It Works
A simple loop: spend locally, unlock merchant store credit, redeem at checkout — repeat with full visibility.
Spend
Spend at participating merchants as you normally do.
Unlock
When you reach a merchant threshold, Smart Value Credits (SVC) are issued for that merchant.
Redeem
Redeem SVC at checkout with the issuing merchant — as store credit.
How to Use SpenVest at Checkout
Show your code, get identified, pay normally. Your SpenVest QR is for identification only — it does not process payment or redeem SVC.
Open your SpenVest app
Have your SpenVest app or portal ready before you reach the register.
Show your QR code
Present your SpenVest QR code or member code to the staff member at checkout.
Merchant identifies you
Staff scan the QR or enter your code to attach your account to the sale.
Pay normally
Complete payment with card, cash, or any accepted method. Your code is not payment.
Purchase is linked
Your transaction is connected to your SpenVest account for attribution.
SVC calculated later
If eligible, SVC is calculated after the merchant processes the transaction.
Identification only — not payment
Your SpenVest QR code identifies your account so the merchant can link the transaction. It does not make a payment, does not redeem SVC, and does not reduce your bill. You always pay normally using the merchant's accepted payment methods.
Frequently Asked Questions
Common questions about how SpenVest works, rewards, and your account.
This page is informational only and does not constitute financial product advice. If you opt into value growth, refer to your regulated provider's disclosures and fees.
Ready to experience structured value?
Create your customer account to start using the same registration flow available from the main customer navigation.