15 Greatest Debit Playing cards for Children (And Teenagers) in 2023

Debit playing cards for teenagers may be helpful instruments as you train your kids about cash. When my oldest little one turned 16, I wished to verify she knew the best way to make clever monetary selections.

I additionally wished my daughter to get some real-life expertise concerning utilizing checking accounts and bank cards. So I received her her personal debit card.

Listed below are a few of the greatest debit playing cards for teenagers and teenagers can assist you discover a card that may train your teen as properly. Proceed studying to be taught extra concerning the playing cards we reviewed.

Prime Debit Playing cards for Children



No minimal age or steadiness. Has a terrific chore administration function.

gohenry 250


Get personalized debit playing cards and automate pay for allowance.



Observe exercise, free ATM, and low minimums. Consists of three accounts.

Take a look at the checklist under and see which of those debit playing cards will work greatest for serving to you train your kids to handle cash and different essential monetary literacy classes.

1. Greenlight

Greatest Total Debit Card For Children

greenlight debit card home page

Greenlight is a debit card for teenagers however is managed by dad and mom.

It has a number of nice options:

  • No minimal age
  • No minimal steadiness
  • Free from overdraft charges
  • Obtainable debit playing cards for as much as 5 youngsters

It additionally has a chore administration function and an auto switch of funds function. Mother and father may even select an auto function that may pay their youngsters curiosity if they need.

You may strive Greenlight out for a month without spending a dime. After that you just’ll pay $4.99 per thirty days for as much as 5 youngsters.

See the Greenlight Max account for those who’re excited by having your little one earn money again on purchases and extra curiosity on financial savings ($9.98/mo.).

Take a look at Greenlight+ Make investments if you wish to use the cardboard to assist your little one begin investing ($7.98/mo.).


  • No minimal age requirement
  • Chore administration function
  • Children can earn curiosity
  • No overdraft charges


  • $4.99 per thirty days payment
  • Plans that provide investing value extra

Study Extra: Greenlight Debit Card Assessment

2. GoHenry

gohenry home page

GoHenry is a household banking device that helps you train your youngsters the best way to deal with cash. Right here’s the way it works:

You begin by opening a checking account in your (the mum or dad’s) identify. The “mum or dad” account is a management heart for as much as 4 “little one” accounts.

You set cash into the mum or dad account by transferring it out of your important checking account.

Because the mum or dad, you’ll be able to switch cash into every little one account as you would like. You may arrange common, automated transfers, or you can also make random transfers.

This can be a good function as a result of you should use it to show your youngsters the idea of “work equals pay.” For example, you’ll be able to switch $5 into a baby’s account after they full a pay-worthy chore.

Every little one will get a debit card to spend the cash you’ve transferred into their account.

Different options of the GoHenry debit card embrace:

  • The power to set single and weekly spending limits
  • Select the place the cardboard can be utilized (ex. at ATMs, on-line or in-store)
  • Block and unblock playing cards with the contact of a button
  • Obtain real-time notification of purchases/expenditures

You may strive GoHenry for 30 days without spending a dime. After that, GoHenry’s Household plans are set at $9.98 per household (for as much as 4 kids), and the person little one is priced at $4.99. Households with 3 or 4 kids pays one low price for everybody. You may cancel your membership anytime.

Associated Article: Greenlight vs. GoHenry: Which Debit Card is Higher For Your Child?


  • Customizable chores function
  • Earn, save, spend, and provides choices
  • Straightforward-to-use parental controls
  • Actual-time spending notifications


  • Month-to-month payment for every little one
  • Minimal age requirement

Study extra: GoHenry Assessment: Is It a Good Debit Card Choice for Children?

3. FamZoo Pay as you go Mastercard

Greatest Debit Card For Children of Any Age

famzoo debit card home page

The FamZoo pay as you go debit card was arrange for the only goal of serving to youngsters be taught good cash administration abilities.

The corporate’s pay as you go debit card presents the next options:

  • Free card reloads (while you direct deposit cash – retailer reloads will value you)
  • Free ATM visits
  • Month-to-month charges as little as $2.50 per thirty days
  • No per-purchase charges

The FamZoo card may be opened for any age little one – from preschool on up. Nonetheless, youngsters underneath 13 can have “on-behalf” playing cards the place the mum or dad is the authorized cardholder.

Children age 13 and up (and their dad and mom) might want to undergo a simple verification course of to be permitted.

And all FamZoo accounts should have a minimum of one mum or dad as an account cardholder.

All exercise on the playing cards may be tracked digitally, which means youngsters can see the place they’re spending their cash.

As well as, dad and mom have entry to every cardholder’s card exercise at any time.


  • Arrange a number of accounts for saving, spending, giving, and so forth.
  • No minimal age requirement
  • Pay as you go debit card or IOU accounts
  • Chore charts out there


  • Charges as excessive as $5.99 per thirty days
  • Children can modify chore lists at will

Study Extra: Famzoo Assessment

4. Copper Banking For Teenagers

copper home page

Copper Financial institution prides itself on creating an app and debit card for teenagers. Their focus is constructed on youngsters able to be part of right this moment’s gig economic system.

Situated in Seattle, Washington, Copper Financial institution is turning into one of many fasted playing cards for teenagers. Its recognition stems from their app that’s simple to make use of.

The app is nice for establishing financial savings objectives in addition to monitoring spending.

Observe spending, create financial savings classes and even arrange auto contributions to classes comparable to faculty fund or a automobile fund.

Funding to the teenagers Copper Pockets is completed by a mum or dad account which is linked to an current checking account with a special financial institution.

Mother and father refill the kid’s Copper account as wanted or auto refill.

Moreover, refilling the cardboard may be accomplished by establishing direct deposit to the checking account.

For teenagers with jobs it is a nice function having funds despatched on to their Copper checking account. Plus you’ll be able to tie the cardboard to Venmo and CashApp.

Listed below are a few of the options of Copper Banking account:

  • No minimal steadiness
  • Purchase the place Mastercard, Google Pay, Apple Pay are accepted
  • No Credit score Checks
  • Zero legal responsibility safety plan
  • No overdraft charges
  • Withdraw money at over 50,000 ATM’s nationwide
  • Deposits are FDIC Insured by our associate, Evolve Financial institution & Belief.


  • Straightforward to make use of app
  • Minimal charges
  • Can tie to Google Pay, Apple Pay, Venmo, and CashApp
  • Comes with a checking account


  • Funding limits
  • Customer support by way of chat relatively than cellphone

Study Extra: Copper Banking Assessment: Is that this Financial institution Account For Teenagers Value It?

5. Step Visa Card

step.com home

Step presents a free FDIC insured checking account and Visa debit card for teenagers designed for the following era. If you’re underneath 18, a sponsor can assist you get your account arrange.

The free debit card has no curiosity or charges. Utilizing the Step app you’ll be able to simply ship, obtain and observe your cash. Spend with Apple Pay, Good Pay.

Arrange direct deposit and receives a commission quicker. Conventional funds can take just a few days. Utilizing direct cost presents you piece of thoughts and on time or earlier funds.

Different advantages embrace no month-to-month charges. Plus your account is FDIC insured as much as $250,000.

Principally, this free debit card is among the greatest methods to make use of a debit card to show youngsters about cash administration with out pesky month-to-month charges.


  • No month-to-month payment
  • Easy to make use of
  • Ease-to-use cellular app


  • No curiosity earned on account

Study Extra: Step Card Assessment: Cell Banking For Teenagers

6. BusyKid Visa Pay as you go Spend Card

Greatest Debit Card With Chore App

busykid home page

The BusyKid Visa pay as you go spend card is among the greatest debit playing cards for teenagers and children. It presents quite a lot of options designed for youngsters between 5 and 17.

You employ the BusyKid Visa pay as you go spend card to present your little one cash. Merely assign an quantity to be placed on the debit card for teenagers each week utilizing the parental controls.

You may also tie the cash to accomplished chores with the BusyKid chore app.

When your child needs to spend their cash, they’ll use the children debit card at shops as they select.

Bonus: the BusyKid chore app additionally permits your child to present to charity and make investments.

It prices $3.99 per thirty days, or $38.99 per yr, to get a household subscription to the BusyKid Visa pay as you go spend card. That features one card. It’s a further $7.99 for further pay as you go debit playing cards.


  • Customizable chore checklist
  • Cheaper than most different playing cards
  • Charitable giving possibility
  • Investing possibility


  • Further annual cost to get extra pay as you go debit playing cards
  • Restricted checklist of charities to present to

Study extra: BusyKid Assessment

7. Present Account For Teenagers

current home page

Present was based with the aim of constructing banking inexpensive for everybody.

If you open a Present account for your self, it’s also possible to open Present Teen Accounts in your teenagers.

Teen account options embrace:

  • $0 account minimal steadiness
  • Buy in individual or on-line with the Present debit card
  • No month-to-month or annual payment
  • Add to your financial savings pod by transferring or utilizing roundups from purchases

As a mum or dad, you get parental controls over your teen’s spending as properly. You get notifications for all purchases and you may set spending limits in your teen.

You may also block sure retailers, automate allowance funds or switch cash manually out of your Present account.

This is among the greatest debit card for teenagers and teenagers permits you to tie allowance to a chores checklist as properly. Additionally, a number of relations can add cash to your teen’s Present account.

Notice that your teen does have to have one among three types of picture IDs to get a Present Teen account.

They both want a:

  • Legitimate and unexpired drivers license
  • Legitimate and unexpired passport or passport card
  • Legitimate and unexpired everlasting resident card


  • Number of parental controls
  • Chore administration function
  • Autopay for allowance is out there


  • No joint accounts allowed
  • Will need to have specified picture ID kind

Study Extra: Present Assessment: A Banking App To Get Paid Up To 2 Days Quicker

8. American Categorical Serve

american express serve home page

The American Categorical Serve card has three card choices. Which one works greatest for you depends upon your teen’s utilization and spending habits. We’ll define the options and costs of all three right here.

Pay As You Go

The Pay As You Go card is Amex’s hottest pay as you go debt card.

Right here’s a listing of the options that include the cardboard:

  • Free Early Direct Deposit. This function that permits you to obtain availability to Direct Deposit funds as much as two full days earlier
  • Free on-line invoice pay
  • $2.25 ATM payment
  • Money reload costs of as much as $3.95 per load (value varies by retailer)
  • $1 transaction payment

Free Reloads

The Free Reloads card is greatest for individuals who add frequent reloads onto their card.

Listed below are a few of the different options of this card:

  • A month-to-month payment of $6.95 (no payment in TX, VT or NY)
  • Free on-line invoice pay
  • Charge-free ATM withdrawals (At Cash Go ATMs)
  • Free reloads

Should you discover your teen is needing to reload their card with cash usually, this could be your best option for you.

Money Again

The Money Again card is probably going most useful for greater spenders.

Listed below are a few of this card’s options:

  • A month-to-month payment of $7.95
  • Free on-line invoice pay
  • Free ATM withdrawals (at Cash Go ATMs)
  • Money reload costs of as much as $3.95 per load (value varies by retailer)
  • Limitless money again of 1% on all purchases

So, relying on what the spending habits are of your child, you might have three American Categorical playing cards to select from.


  • Three card choices to select from
  • Not essentially geared towards youngsters
  • Money again on purchases out there


  • Reloads can include a payment
  • Different charges in addition to month-to-month payment might apply

9. Chase First Banking Card

Chase First Banking home

The Chase First Banking account is a checking account created particularly for teenagers and teenagers aged 6 to 17. And it comes with a free debit card for teenagers to assist your teen discover ways to reside inside a price range.

The Chase First Banking checking account for teenagers and teenagers presents:

  • No month-to-month payment charged to this account
  • Zero minimal steadiness for the account
  • No month-to-month cost to have a debit card for teenagers
  • Charge free ATM utilization at taking part ATM places

The Chase First Banking account additionally has engaging parental controls.

Mother and father can set spending limits for this checking account based mostly on particular classes (as an example, eating places) and so they can set ATM limits as properly.

Children can request cash by way of the cellular app, and oldsters can determine whether or not to approve or deny the request.

There’s additionally a chore/allowance function with this account, and children can observe their account exercise by the cellular app as properly.

Notice that oldsters must have a qualifying Chase checking account to ensure that youngsters to open a Chase First Banking account.


  • No month-to-month service payment
  • Arrange alerts to you observe spending, withdraws and extra
  • Comes with a checking account
  • Set spending limits


  • Should be current buyer to open account in your little one

Study extra: Chase First Banking Assessment

10. TD Go Pay as you go Visa

td bank home page

The TD Go Pay as you go Visa is a product of TD Financial institution. TD Financial institution makes use of the Visa Buxx pay as you go card for teenagers.

Listed below are a few of the options of the TD Go pay as you go debit card:

  • $0 month-to-month service payment
  • $0 buy payment
  • Free ATM utilization in-network
  • $1 for card reloads
  • $2.50 per thirty days for inactivity (after 12 months with no transactions)

This can be a very inexpensive possibility for teenagers and oldsters alike. Mother and father may also arrange e mail notification to maintain abreast of card balances and expenditures.


  • Actual time spend monitoring
  • No month-to-month payment
  • Free in-network ATM utilization


  • Reload payment for every reload
  • Month-to-month inactivity payment after 12 months of inactivity

Associated Article: 10 Greatest Financial institution Accounts for Children

11. Axos First Checking Card

The Axos First Checking Card is free while you open a free Axos First checking account in your little one aged 13 to 17.

This account/debit card has the next options:

  • $0 month-to-month account upkeep payment
  • As much as $12 home ATM payment reimbursements per thirty days
  • No overdraft/NSF charges
  • Curiosity-earning
  • Every day card limits of $100 for the ATM and $500 for POS purchases

This account should be a joint account with a mum or dad or different grownup. Mother and father can handle the cardboard together with deactivating and reactivating from their Axos Financial institution dashboard.


  • Referral program
  • Peer-to-Peer funds
  • Exercise notifications


  • Some kinds of card purchases prohibited
  • Restrict on ATM payment reimbursements

Study Extra: Axos Financial institution Assessment

12. Mazoola

Mazoola is a chore app that helps your youngsters to earn, save, spend and provides cash away.

After they’ve earned their cash, they’ll spend it by way of Mazoola’s digital debit card.

Your youngsters can use their digital card for on-line purchases or anyplace that accepts Apple Pay or Google Pay.

As with different youngsters’ debit playing cards, there are prohibited buy classes with this card, comparable to alcohol and playing purchases.

The cardboard prices $9.99 per thirty days. Nonetheless, there’s a 12-month free trial for brand spanking new members.


  • Objective setting function
  • Charitable donation function
  • Enticing free trial interval


  • Digital card solely
  • No ATM withdrawals
  • Excessive month-to-month value after trial

Associated Article: 10 Greatest Greenlight Card Alternate options

13. Revolut <18

Revolut is a fintech banking app that has a Junior model for teenagers 6-17.

Targeted on attaining a borderless economic system for all, Revolut <18 is out there for fogeys of children within the U.S., Europe and Australia. Extra nations will comply with quickly.

If you open up a Revolut account, you will get a Revolut <18 account in your little one.

Charges differ based mostly on the kind of Revolut account you select for your self. Every Revolut <18 account comes with a teen card and the flexibility for mum or dad to switch to the teenager account.

The Revolut account presents further options relying on the plan you select, comparable to investing, crypto and extra. Curiosity is paid on Revolut accounts as properly.

As well as, objectives and challenges can be found for teenagers.


  • Worldwide utilization
  • 4 plans to select from
  • International foreign money exchanges
  • Parental controls out there


  • Dad or mum should open a Revolut account of their very own

14. Until Monetary

Until Monetary is fintech that’s backed by Coastal Group Financial institution. Mother and father open a important Until account after which separate accounts for teenagers underneath 18.

The Until debit card permits dad and mom, grandparents and extra to fund youngsters’ Until accounts.

Funding may be tied to accomplished chores or simply given with out chores. Children can use their Until debit card to spend anyplace Visa is accepted.

Children’ accounts will also be used to set small and huge objectives, and oldsters pays their youngsters curiosity as properly.


  • No payment card/service
  • Chores function
  • Different adults can contribute


  • Restricted parental controls
  • No money deposits

15. Acorns

Acorns works a bit in another way than the opposite youngsters’ debit playing cards listed right here.

With Acorns you’ll be able to open up a person account or a household account that may embrace accounts for your whole youngsters.

If you make a debit card buy, the acquisition quantity is rounded as much as the closest greenback, which is then invested in your alternative of funding automobiles.

Or it can save you cash in a fundamental financial savings account as properly. Acorns prices $5 per thirty days for a household account that features accounts in your youngsters.

Your little one gained’t get their very own debit card with the account. Nonetheless, you’ll be able to switch your little one’s cash to your Acorn checking account and assist them use your card to make purchases.

This account is greatest for fogeys who need to give their little one an early begin on investing.


  • Investing possibility out there
  • Reasonably priced month-to-month payment
  • Obtain presents from anybody


  • No particular person card for teenagers (should use mum or dad card)
  • Restricted options

Study Extra: Acorns Assessment

Why Ought to I Think about a Pay as you go Card or Debit Card for My Youngster?

You could be questioning why it’s best to think about getting a pay as you go card or debit card in your minor little one.

Whereas we at Effectively Saved Pockets don’t advocate carrying month-to-month bank card balances, we do imagine it’s essential to assist your little one be taught to navigate the world of credit score and spending by monetary literacy.

A pay as you go card can assist her or him to do exactly that. When your little one has a pay as you go card or a debit card, they’ll spend cash electronically.

Prefer it or not, the digital world of economic administration is right here to remain, and pay as you go playing cards and debit playing cards are a part of that.

And that digital spending world does have its advantages, particularly for fogeys whose youngsters are studying about cash.  

Pay as you go playing cards and debit playing cards can assist your little one find out about monetary literacy whereas serving to you control their spending.

Digital cash oversight helps individuals see the place each dime they earn goes every month. And that information generally is a invaluable device on the planet of grownup cash administration.

Associated Article: 7 Greatest Books That Can Train Children About Cash

They Assist Put Limits on Spending

One good factor about some of these debit playing cards for teenagers is that they help you impose a spending restrict in your little one.

An unrestrained price range within the fingers of a teen can provide them the phantasm that cash will at all times be there.

Nonetheless, with pay as you go playing cards for teenagers, you can also make a rule that you just’ll put X {dollars} in your little one’s account every month.

This spending restrict will assist them to be taught to reside in actual life the place one’s cash provide isn’t infinite.

It’s going to assist them be taught that they should make selections about how they spend their cash. If their month-to-month money allowance runs dry, they’ll be taught what occurs when cash runs out earlier than month’s finish.

These parental controls make debit playing cards for teenagers secure to make use of.

They Give You a Birdseye View

Including to that, a pay as you go debit card or a debit card for teenagers allow you to see each one among your little one’s purchases. This profit makes approach for conversations about value-based spending.

Merely put, value-based spending means spending your cash on the issues that matter most to you.

As your little one sees their spending habits at a look, they’ll be taught to determine essential vs. non-important purchases. For example, they could determine {that a} journey to the flicks with pals is a value-based spending alternative.

Conversely, they could determine that each day journeys to the quick meals drive through aren’t essential.

As they (and also you) get that birdseye view of month-to-month spending selections, they’ll be taught an essential reality.

They’ll be taught that they should determine which spending selections assist them take advantage of out of life. They’ll additionally be taught that some spending selections merely waste their cash.

This kind of monetary administration coaching can assist your little one develop clever cash administration habits in maturity.

Pay as you go debit and bank cards is probably not for each little one, however they’ll do wonders for one’s monetary training. Think about pay as you go playing cards and different monetary training instruments as you elevate your younger ones.

Put together them for a lifetime of monetary accountability and safety made by their very own fingers – with some assist from you.

How Do These Children’ Debit Playing cards Examine?

Greenlight 4.2 $4.99
FamZoo Not Rated $0.63
Busykid 3.6 $1.67
GoHenry 4.3 $3.99
Present 3.8 $3.00
American Categorical Serve Not Rated $6.95
TD Go Pay as you go Visa Not Rated $0.00
Movo 2.6 $0.00
Copper Financial institution Not Rated $0.00
Chase First Banking Not Rated $0.00

Do Debit Playing cards for Children Accumulate Private Information?

Every firm that points debit playing cards for teenagers has completely different private knowledge assortment insurance policies. However on the whole, debit playing cards for teenagers acquire some private info.

A couple of widespread items of data embrace the kid’s identify, age, e mail handle, transaction info, and extra.

It’s doable for these firms to promote the information to others for advertising functions. However you’ll have to take an in depth take a look at what kinds of knowledge a card is gathering earlier than signing up.

The excellent news is that firms might want to disclose what kind of data they’re gathering. In case your little one is underneath 13, the issuer might want to acquire your permission because of the Youngsters’s On-line Privateness Safety Act (COPPA).

Are Child’s Debit Playing cards Secure?

Many debit playing cards for teenagers provide built-in security options like real-time alerts and transaction monitoring. With that, you’ll be able to keep on high of doable fraud exercise. If somebody steals the debit card info, you’ll be able to dispute the transactions.

Moreover, debit playing cards for teenagers are connected to an FDIC-insured deposit account. The Federal Deposit Insurance coverage Company presents insurance coverage of as much as $250,000 for cash assist in deposit accounts. So, it’s seemingly that your little one’s steadiness is properly protected.

What About Funding Accounts for Children?

A youngsters debit card is a good device for kids to find out about cash administration and monetary literacy. However it’s not the one kind of account it’s best to think about creating in your youngsters.

If you wish to assist your little one pay for his or her increased training or different certified training bills, a 529 presents a tax-advantaged method to save.

One other tax-advantage account good for teenagers incomes an revenue is a Custodial Roth IRA to assist your youngsters get a leap begin on saving for his or her future.

If you wish to save in your little one’s future bills with out the constraint of instructional prices, then think about a belief fund. This automobile places you accountable for how and when your little one has entry to the funds.

Lastly, a daily previous financial savings account can be a good suggestion. It provides your little one the flexibility to look at their financial savings develop over time.

Every of those accounts can assist enhance your little one’s monetary literacy.

What Occurs if My Youngster Loses a Debit Card?

It’s simple to lose a debit card. However it’s simply as simple to lock a debit card from probably fraudulent transactions.

Earlier than beginning your seek for the cardboard, lock it. Should you and your little one can not discover the cardboard, merely cancel it and order a brand new card.

Though you might need to pay a payment for a brand new debit card, it’s a painless course of. In contrast to a conventional pocket full of money, the funds saved on a debit card are safely shielded from whole loss.

Can My Child Get a Customized Debit Card?

Children can entry many customized debit card choices. The power to place their distinctive stamp on the cardboard can assist them place extra worth on this essential monetary instructing device.

If a customized debit card is essential to your little one, be sure that to work with an organization that gives this enjoyable possibility.


Serving to your youngsters be taught good cash administration abilities is a should in right this moment’s world. Once they be taught to correctly handle money by the usage of a pay as you go card and debit card, life turns into simpler.

Plus after they use the opposite monetary administration suggestions shared right here, they’ve received instruments to earn money administration enjoyable.

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