The Financial

Revolution for Teens

Get the MoCard: credit-building and rewards for teens, all in one card.
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Build your credit history

Never be credit invisible, get ahead before turning 18. Save on car insurance, student loans and more.

Get up to 10% Cashback

Over 100,000 locations and 400 brands for you to get cashback with your Visa MoCard.

Financial learning and wellbeing with rewards

Master personal finances and good life habits while earning Mobucks (MBX). Redeem directly to cash or other rewards.

No required fees

No monthly fees and no overdraft fees.
No account minimums and no interest.
The MoCard just works for you. Really.

Stay safe and sound

24/7 support with real people. FDIC insurance up to $250k through Solid Bank Partners, Member FDIC.

Building for the next generation

Modak is a US-based fintech platform that empowers teens to reach their full potential regardless of their background. Teens and families are joining Modak, making it the fastest growing fintech across the US.

Led by Madhu Yalamarthi (Stanford MBA and ex-Venture Capitalist) and supported by GGV Capital, Monashees, Maya Capital, Nazca VC, One VC, and 30+ leading investors and entrepreneurs.

Seeking answers? FAQ to the rescue!

Can I add my card to Apple Pay or Google Pay?

Yes! Not only can you order a physical card, you can also add your card virtually to Apple Pay or Google Pay!

How does Modak keep sensitive personal info safe and secure?

We have implemented several ways to protect your personal information:

  • Encryption: All sensitive information is encrypted in transit standard protocols. 
  • Access controls: Access to sensitive information is restricted to a limited number of authorized personnel, who are subject to background checks and ongoing security monitoring.
  • Data protection policies: Modak has established strict data protection policies, including data retention and deletion policies, to ensure that sensitive information is not retained for longer than necessary.
  • Compliance: Modak adheres to relevant security and privacy regulations, including those imposed by the Consumer Financial Protection Bureau (CFPB), to ensure that sensitive information is handled in a manner that meets the highest standards of security and privacy.

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. If not, you can use our regular services - which is most of our services -for free!

How old do I have to be to join Modak?

You have to be between 13 to 17 years old.

Get your card today and start building your financial future


© 2023 Modak Communities Operating Holdings Inc. All rights reserved.
Stay Tuned

Modak is a financial technology company and not a bank.

Banking services are provided by Solid Financial Technologies, Inc.’s partner banks who are Member FDIC.

Card Services are issued by Solid Financial Technologies, Inc.’s partner banks pursuant to a license from Visa® and may be used everywhere Visa® cards are accepted.

Cashback is offered through the Solid Fintech Program Rewards powered by Dosh on qualifying purchases at participating merchants and on any other eligible transactions described in our User Agreement. For the current list of participating merchants and offers, please check the Modak Makers app. Participating merchants and offer terms may be changed from time to time without notice.