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.

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FREE VISA® DEBIT CARD FOR KIDS
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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.

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CHORES & ALLOWANCE, AUTOMATED
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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.

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SAVINGS GOALS THAT GROW
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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.

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EARN REWARDS FOR GOOD HABITS
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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.

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

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SEND & RECEIVE MONEY
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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.

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GO FURTHER WITH MOGOLD — $5.99/mo
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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.

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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.

Recent changes:
Gifts are here! Create personal or group gifts for any moment — birthdays, graduations, thank yous, and more. Customize the style, invite others to add notes, and send a gift with a fun reveal experience. Available now in the Rewards screen of the Kid app. Coming soon to the Parent app!