Help them learn to spend, save, and manage money in real life.
Get their free debit card¹ →Free plan available. No credit card required.
From the investors of
Airbnb 
Cash App 
Slack 
StockX 
Peloton Everywhere Visa® is accepted. Tap to pay, shop online, use in stores. Virtual card ready instantly.
◇ Earn up to 2% cashback on eligible purchases.²
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.Some card designs are available only on paid plans.
Set any task. When done and approved, money lands on their account immediately.
Automated and reliable. Kids get paid on schedule and learn around a real recurring payment.
Pick something to save for, set the target, and watch it grow. Parents can add to any goal, and anyone else in the family can chip in too, with their own link or QR.
◇ Every goal can earn up to a 4% annual boost.²
Kids earn in-app reward points (MBX)³ by hitting their daily step goal and completing daily challenges. Points turn straight into pocket money on their card.
Steps that pay · Learn and earn · Scratch and learn³
Send money from your parent balance, or add it instantly from a debit or credit card.¹
Send the link or share the QR⁴. Anyone can send money, no Modak account needed. It lands immediately.
At millions of locations. Operator fees may apply.⁵
Set a minimum for your parent balance; when it dips, it tops itself up automatically.
Split a dinner, a group gift, or any shared cost — tax and tip handled fairly.
Add a parent, a grandparent, or anyone who helps raise them. Each one gets their own account to add money, set chores, and follow along, while yours stays separate.
Every parent gets a free virtual Modak card of their own, with a parent balance that's always ready to fund their kid, top up instantly, or auto-reload when it dips.
Your parent balance can earn up to a 4% annual boost², so your family money goes further.
Get notified the moment they spend. Freeze the card instantly if something's off. Multi-layer security protects every account, every time.
Free
Free debit card · send & receive · ATM · auto-reload · alerts + freeze · MBX · parent virtual card · 2 card designs
$2.99/mo
Everything in MoBasic + chores + allowance + savings goals + co-parenting + analytics + advanced controls + 15+ card designs
$5.99/mo
Everything in MoSilver + 2% cashback + 4% annual boost + free instant funding
Start free, or pick the plan that fits. Full comparison →
“My son loves his debit card and it's easy to transfer money to his card. Setting tasks for the kids to earn money is real easy.”
“Absolutely love this app — I can see what my child is spending and it costs me nothing. Finally teaching responsibility with money easier than cash.”
“Great app! All four kids and this mom are loving it. Simple and uncomplicated unlike some other financial apps.”
Takes a few minutes.
They get their own separate account, free and instant.
Set it up your way.
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Join families raising kids who know what to do with money.
Get started for free →
