Family Banking
Made Easy

All-in-one money app and Visa® Debit Card for kids & teens with no monthly fees

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debit card for kids and teens

FROM THE INVESTORS OF

The ultimate money app for families

Everything you need, made fast, safe, and simple.

Chores & Allowance

Manage your kids’ chores and pay their allowance, all in the Modak Makers app.

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5 Chores
Completed

Money Management

Simplifying how parents top-up accounts and how kids get paid.

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$20 Sent to your kid
In seconds · No fees

Good Habits, Gamified

Kids earn rewards from learning, easily turned into dollars to spend with their Modak Debit Card.

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Riley earned MBX
for Learning today

Savings

Help your kids save for their goals, from buying a book to funding their college education.

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Their own VISA® Debit Card

Free shipping

Get the Modak Card shipped to you with no cost after the launch.

Monitor spending

Real-time notifications on purchases.

debit card for kids and teens
Get started
Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.

Global debit card

Can be used anywhere Visa® is accepted, both in-store and online.
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Pay with Apple Pay & Google Pay

Add your Modak Visa® Debit Card to Apple Pay and Google Pay for easy contactless payments.

Monthly fees?
  Not anymore

Banking should be affordable and accessible to everyone.
Not just the privileged and wealthy.

All of our core offerings are free*.
We only charge for premium services. 

And we only do that by asking you first!
No hidden fees.

Financial app for kids & teens

Security & support you can trust

Serious security

Your account's data is encrypted and secured according to the strictest regulations.

24/7 Customer Support

Chat with real people. Also available in Spanish during business hours.

Parental Controls

You can easily lock and unlock your kid’s card, ensuring you have control over their spending.

Biometrics for extra security

At Modak, we prioritize your security with features like fingerprint and facial recognition for app access.

Trusted by customers just like you

My son loves his debit card and it's easy to transfer money to his card and it's real easy to work and use to set task for your kids to earn money. Also customer service is fast and very helpful.

- Tasha W.
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My son loves his debit card and it's easy to transfer money to his card and it's real easy to work and use to set task for your kids to earn money. Also customer service is fast and very helpful.

- Tasha W.

Great fast customer service, love this card for my daughter way better than any other loaded card out there

- Aiko W.

I’m an 11-year-old kid and I love this app helps me manage my money way better and my mom didn’t trust me before this app. Thank you, Modak.

- Taylor K.

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.*

Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.

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!

  • 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.

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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.

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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.

See all FAQs

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Stay Tuned

Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.
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) Checking account and the Modak Visa® debit card issued by Lewis & Clark Bank, Member FDIC.
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 October 2024) 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 USO 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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