Good habits, gamified

Kids and teens earn for learning and keeping good habits.

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Financial learning app for kids and teens
Riley earned MBX
for Learning today
Riley redeemed MBX for $5
Instant payment power!

FROM THE INVESTORS OF

Riley earned MBX
for Learning today

Good Habits, Gamified

Kids and teens can earn in-app rewards points (MBX)2 by actively learning and engaging. MBX can easily be converted into pocket money with their Modak Visa® Debit Card¹

Financial learning app for kids & teensFinancial learning app for kids & teens

Walking

Kids can turn steps into dollars by walking 5,000 steps a day.

Learning & Challenges

New weekly challenges and rewards for completing them. Financial literacy, reading and more.

Daily Rewards

New rewards and financial tips for your kid every day.

Shop, Scratch, & Get Rewards

Kids can earn surprise rewards and financial tips with each purchase.5

MBX Calculator
$
The MBX Rewards Program allows all customers, whether they have a Card or not, to earn MBX through eligible activities such as completing challenges, using the walking feature, or making purchases.7
(*) This calculation is based on data gathered in January 2025, where 100 MBX = $1 and users earn on average 800 MBX per week. This is an approximation and not a guaranteed result.

Trusted by customers just like you

This app is amazing! Im able to earn money by completing activities through the app

- Bridger K.

i think it's a great app for young people to learn financials

- Brolin.

Really cool concept. Interesting and informative challenges to earn MBX! it's awesome!

- Amy H.

This app is amazing! Im able to earn money by completing activities through the app

- Bridger K.

i think it's a great app for young people to learn financials

- Brolin.

Really cool concept. Interesting and informative challenges to earn MBX! it's awesome!

- Amy H.

4.8 App Store Rating

Based on thousands of reviews as of April 15th, 2025.10

Money skills start here

Get started

No minimum deposits or
monthly fees required.*

Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.

Seeking answers? FAQ to the rescue!

Can I add my card to Mobile wallets?

  • Yes! Not only can you order a physical card, you can also add your card virtually to Apple Pay or Google Pay!
  • Log in to your account 
  • Go to the card section below in the middle
  • Then go to “Add to Apple/Google Wallet/”
  • Create the PIN for the virtual card, if you have already created the PIN use that one.

Are there any fees?

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.

How old do I have to be to join Modak?

To sign up, you should be below 18 years old. Your parent or guardian will be the account holder, allowing you to use it. 

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Stay Tuned

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.

Funds deposited into a Deposit Account may be eligible for up to $250,000 of FDIC insurance.

The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.


(*) Fees for expedited or premium services may apply. See  for applicable fees.  Find out more in our Cardholder Agreement
(1) Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.
(2) For more information about MBX, visit our MBX Policy.
(3) The savings goals feature is intended to assist you in planning and tracking your savings progress. It does not imply or guarantee any interest earning.
(4) For more information about this study, click here.
(5) Modak Scratch 'Em All feature Terms and Conditions apply.
(6) $6 Welcome bonus. Terms and conditions apply.
(7) The MBX Rewards Program allows all customers, whether they have a Card or not, to earn MBX through eligible activities such as completing challenges, using the walking feature, or making purchases. However, only customers with a Card can redeem MBX for monetary rewards. A minimum balance of 100 MBX (approximately $1.00 USD as of January 2025) is required for redemption, though the value is subject to change and not guaranteed; for details, visit MBX Policy. No minimum balance is required to open an account, and redemption of MBX into USD is processed instantly upon meeting the MBX minimum balance requirement. This program does not accrue interest and (0.00% Annual Percentage Yield (APY)) applies.
(**) Welcome Bonus and Referral program terms and conditions apply.
(8) Roblox Reward applies only after ordering the physical debit card and using the code ¨Roblox¨ during the sign up process. Learn more in the Terms and Conditions.
(9) The savings pocket is designed to help you manage your savings goals. A Modak boost is applied only to eligible funds. Terms and conditions apply.
(10) This review was sourced from the App Store, where customers voluntarily shared their experiences. Individual results may vary. This testimonial reflects the opinion of one customer and is not a guarantee of future performance. App Store ratings as of April 15th, 2025.

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