Modak: Kids & Teens Banking

Free debit card for kids. Real money skills for life.

Modak gives kids a real Visa® debit card and the tools to earn, spend, and save — while parents stay in full control. Build genuine money habits from day one, with chores that pay out, automated allowance, savings goals, and rewards that turn healthy activity into real pocket money.

——————————————————
FREE VISA® DEBIT CARD FOR KIDS
——————————————————
Your child gets a Visa® debit card accepted everywhere — in stores, online, and with Apple Pay & Google Pay. A virtual card is ready instantly. Upgrade to MoGold for 2% cashback on eligible purchases.

——————————————————
CHORES & ALLOWANCE, AUTOMATED
——————————————————
Assign chores, set an allowance schedule, and let Modak handle the rest. When a task is done and approved, money lands on your kid’s card immediately. No cash. No forgetting. No manual transfers.

——————————————————
SAVINGS GOALS THAT GROW
——————————————————
Kids set a goal, track progress, and watch it grow. Parents can chip in at any time. Upgrade to MoGold for a 4% annual boost on every goal.

——————————————————
EARN REWARDS FOR GOOD HABITS
——————————————————
Kids earn MBX — Modak’s rewards currency — by walking daily steps, completing challenges, opening scratch cards, and more. Points convert directly into real money on their card.

——————————————————
PARENTAL CONTROLS & REAL-TIME SAFETY
——————————————————
Get notified the moment your child spends. Freeze or unfreeze their card instantly. Kids can only spend what’s on their balance.

——————————————————
SEND & RECEIVE MONEY
——————————————————
Transfer money to your kid’s card for free from your parent balance, any time. Share a Get Paid link so grandparents or family can send money directly — no Modak account needed. Kids and parents can split expenses with friends.

——————————————————
GO FURTHER WITH MOGOLD — $5.99/mo
——————————————————
Unlock free instant funding (save up to $25 in transfer fees per month), 2% cashback on eligible kid spending, a 4% annual savings boost, and a free physical parent card.

–
Modak is a financial technology company and is not an FDIC-insured financial institution. Deposit account and the Modak Visa® debit card are issued by Legend Bank, N.A., Member FDIC.

Details on MoGold features, including cashback purchase eligibility, saving goals and instant funding limits (waived up to $25 in fees per month), are available in our Terms & Conditions.

Fees for expedited or premium services may apply. See Cardholder Agreement for details.

1. General Information The information provided by MoboReview ("we," "us," or "our") on moboreview.com is for general informational and educational purposes only. All information on the Site is provided in good faith, however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.

2. Affiliate Disclosure (FTC Compliance) MoboReview believes in transparency. Some of the links on our website may be affiliate links. This means that if you click on the link and download or purchase an app or product, we may receive a small commission at no extra cost to you. This helps keep our website running. Regardless of affiliate relationships, we only recommend apps and services that we genuinely believe will add value to our readers.

3. Editorial Independence & Sponsored Content From time to time, we may receive free access to premium apps, software, or promotional items from developers in exchange for a review. We may also occasionally publish sponsored content. However, compensation never dictates our editorial content. All reviews, opinions, and ratings expressed on MoboReview are strictly our own and are based on hands-on testing and objective analysis.

4. App Changes and Accuracy The tech world moves fast. While we strive to keep our reviews as accurate and up-to-date as possible, app developers frequently update features, change pricing models (e.g., switching from free to subscription), or remove apps from the app stores altogether. MoboReview is not responsible for any discrepancies between our review and the current state of an app. We highly encourage you to verify the app’s features, pricing, and compatibility on the official App Store or Google Play Store before downloading or purchasing.

5. External Links Disclaimer The Site may contain links to other websites or content belonging to or originating from third parties. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by us. We do not warrant, endorse, guarantee, or assume responsibility for the accuracy or reliability of any information offered by third-party websites linked through the site.