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|   |                                                                                 |
|--------|--------------------------------------------------------------------------------------|
| þ | ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |

|   |                                                                                     |
|--------|------------------------------------------------------------------------------------------|
| o      | TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |

|   | VIRTUAL PIGGY, INC. |   |
|--------|---------------------|--------|

| Delaware                                       |   | 35-2327649     |
|---------------------------------------------------------------|--------|------------------------------------|
| (State or Other Jurisdiction ofIncorporation or Organization) |   | (IRS EmployerIdentification No.)   |

|   | 1221 Hermosa Avenue, Suite 210Hermosa Beach, CA  90254 |   |
|--------|------------------------------------------------------------------|--------|
|   |  (Address of Principal Executive Offices)(Zip Code)         |   |

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| Large accelerated filer o | Accelerated filer o | Non-accelerated filer o(Do not check if a smaller reporting company) | Smaller reporting company  þ |
|--------------------------------|--------------------------|---------------------------------------------------------------------------|----------------------------------------|

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|   | (a) | Audited financial statements. |
|--------|-----|-------------------------------|

|   | (b) | The following exhibits are filed as part of this report. |
|--------|-----|----------------------------------------------------------|

| ExhibitNumber |   | Description                                                                                                                                                                                                                                          |
|---------------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|          |   |                                                                                                                                                                                                                                                 |
| 3.1           |   | Certificate of Incorporation (incorporated by reference to Exhibit 3.1 to the Company’s registration statement on Form S-1 (Reg. # 333-152050) filed with the Commission on July 1, 2008).                                                |
|          |   |                                                                                                                                                                                                                                                 |
| 3.2           |   | Certificate of Ownership (incorporated by reference to Exhibit 3.1 to the Company’s current report on Form 8-K filed with the Commission on August 30, 2011).                                                                             |
| 3.3           |   | Amended and Restated Bylaws (incorporated by reference to Exhibit 3.1 to the Company’s current report on Form 8-K filed with the Commission on March 7, 2012).                                                                            |
| 4.1           |   | Specimen Common Stock Certificate (incorporated by reference to Exhibit 4.1 to the Company’s registration statement on Form S-1/A (Reg. # 333-152050) filed with the Commission on August 13, 2008).                                      |
| 4.2           |   | Form of Securities Purchase Agreement (incorporated by reference to Exhibit 10.1 to the Company’s current report on Form 8-K filed with the Commission on February 13, 2012)                                                              |
| 4.3           |   | Form of Warrant (incorporated by reference to Exhibit 3.1 to the Company’s current report on Form 8-K filed with the Commission on February 13, 2012).                                                                                    |
| 10.1*         |   | Employment Agreement between the Company and Ernest Cimadamore  (incorporated by reference to Exhibit 10.2 to the Company’s registration statement on Form S-1 (Reg. # 333-152050) filed with the Commission on July 1, 2008).  |
| 10.2 *        |   | Offer Letter, dated February 2, 2012, by and between the Company and Jo Webber (incorporated by reference to the Company’s annual report on Form 10-K filed with the Commission on March 15, 2013)                                        |
| 10.3*         |   | Offer Letter, dated November 26, 2012, by and between the Company and Joseph Dwyer (incorporated by reference to Exhibit 10.1 to the Company’s current report on Form 8-K filed with the Commission on November 28, 2012).                |
| 10.4 *        |   | Offer Letter, dated November 16, 2011, by and between the Company and Tom Keefer (incorporated by reference to the Company’s annual report on Form 10-K filed with the Commission on March 15, 2013).                                     |
| 10.5*         |   | 2008  Equity Incentive Plan (incorporated by reference to Exhibit 4.2 to the Company’s registration statement on Form S-1 (Reg. # 333-152050) filed with the Commission on July 1, 2008).                                            |
| 10.6*         |   | 2013 Equity Incentive Plan (incorporated by reference to Exhibit 10.1 to the Company’s current report on Form 8-K filed with the Commission on March 8, 2013).                                                                            |
| 31.1 †  |   | Certification of the principal executive officer of the Company, pursuant to Securities Exchange Act Rule 13a-14(a)                                                                                                                             |
| 31.2 †  |   | Certification of the principal financial officer of the Company, pursuant to Securities Exchange Act Rule 13a-14(a)                                                                                                                             |

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| 31.3**          |   | Certification of the principal executive officer of the Company, pursuant to Securities Exchange Act Rule 13a-14(a)                                                                     |
|-----------------|--------|----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 31.4**          |   | Certification of the principal financial officer of the Company, pursuant to Securities Exchange Act Rule 13a-14(a)                                                                     |
| 32.1 †    |   | Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of The Sarbanes-Oxley Act of 2002, signed by the chief executive officer of the Company  |
| 32.2 **         |   | Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of The Sarbanes-Oxley Act of 2002, signed by the chief financial officer of the Company       |
| 32.3**          |   | Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of The Sarbanes-Oxley Act of 2002, signed by the chief executive officer of the Company            |
| 32.4**          |   | Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of The Sarbanes-Oxley Act of 2002, signed by the chief financial officer of the Company            |
| 101.INS † |   | XBRL Instance Document                                                                                                                                                                       |
| 101.SCH † |   | XBRL Taxonomy Extension Schema Document                                                                                                                                                      |
| 101.CAL † |   | XBRL Taxonomy Extension Calculation Linkbase Document                                                                                                                                        |
| 101.DEF † |   | XBRL Taxonomy Extension Definition Linkbase Document                                                                                                                                         |
| 101.LAB † |   | XBRL Taxonomy Extension Label Linkbase                                                                                                                                                       |
| 101.PRE † |   | XBRL Taxonomy Extension Presentation Linkbase Document                                                                                                                                       |

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|                    | VIRTUAL PIGGY, INC.  |                                                                     |
|-------------------------|---------------------------|--------------------------------------------------------------------------|
| Date: December 23, 2013 | By:                       | /s/ Joseph Dwyer                                                         |   |
|                    |                      | Joseph Dwyer                                                             |   |
|                    |                      | Chief Financial Officer                                                  |   |
|                    |                      | (duly authorized officer and principal financial and accounting officer) |   |

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