Turn chores into money lessons
Set any task. When done and approved, money lands on their account.
Help them learn to spend, save, and manage money in real life.
Free plan available. No monthly subscription required.
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.Some card designs are available only with a subscription plan.
From the investors of
Airbnb
Cash App
Slack
StockX
PelotonEverywhere Visa® is accepted. Tap to pay, shop online, use in stores. Virtual card ready instantly.
Earn up to 2% cashback on eligible purchases.³
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.Some card designs are available only with a subscription plan.
Clean your room added & assigned to RileyWe’ll let you know once they complete it.Schedule
Primary source
$20 will be sent to Riley every FridayActivity
Steps goal
2,241/5,000
Off to a great start, 🤠
Set any task. When done and approved, money lands on their account.
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.³
Kids earn in-app reward points (MBX)⁴ 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 learn⁴
Clean your room added & assigned to RileyWe’ll let you know once they complete it.Set any task. When done and approved, money lands on their account.
Schedule
Primary source
$20 will be sent to Riley every FridayAutomated and reliable. Kids get paid on schedule and learn around a real recurring payment.
Activity
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.³
Steps goal
2,241/5,000
Off to a great start, 🤠
Send money from your parent balance, or add it from a debit or credit card.
Submitting transaction
Transaction submitted
Sent $20.00 to Riley
They can access the money immediately.
Send the link or share the QR⁵. Anyone can send money, no Modak account needed. It lands in seconds.
Let anyone send $$ to Riley
Perfect for birthdays, jobs, or surprises.
No Modak account needed.
Family
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.
A free virtual Modak card of their own, ready to fund their kid, split bills, and keep money moving. Want a physical card too? It's $5, or free on a paid plan.³
Your parent balance can earn up to a 4% annual boost³, 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.
Face ID
An alert on every purchase, with what, where, and how much.
Lost it, or done for the day? Freeze and unfreeze from your phone.
Biometric login and multi-layer account protection, on every account.
Face ID
Reach a real person by chat, email or phone call whenever you need a hand.⁷
Includes:
Everything in MoBasic, plus:
Everything in MoSilver, plus:
Start free, or subscribe to a 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.”
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.
Modak is a financial technology company and not a FDIC insured financial institution.
Takes a few minutes.
They get their own separate account, free and in seconds.
Start free with a debit card. Upgrade when you're ready to turn it into real money habits.
There are no hidden fees associated with Modak. We don’t charge for opening a card and most of our services. However, if you need expedited or premium services, our app will show you and ask for your permission before charging the fees. For example, we charge $0.50 for debit cards (and 3% extra for credit cards and Apple/Google Pay) when you load your kid’s modak card with your debit or credit cards. Do note that our normal ACH - funding via your other bank accounts - is free.
Read more →Join families raising kids who know what to do with money.
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