A real Visa® debit card and app, free to start. Upgrade for 2% cashback and 4% annual savings boost¹.
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.
Greenlight makes you pay before you can start. Modak doesn't. Get a Visa® debit card and the full app for free³. No trial. No monthly subscription required¹.
Greenlight: no free plan. Plans start at $5.99/mo. See Greenlight's pricing.
MoGold costs $5.99/mo, the same as Greenlight's Core plan and nearly half their Max plan at $10.98/mo. Here's how they compare.
| Feature | MoGold$5.99/mo | Greenlight Core$5.99/mo | Greenlight Max$10.98/mo |
|---|---|---|---|
| Kids per plan | Up to 7 | Up to 5 | Up to 5 |
| Savings boost | 4% annual boost¹ | 2% | 3% |
| Cashback on spending | 2% cashback¹ | — | 1% |
| Instant funding fee waived | Included up to $25¹ | — | — |
| Parent physical debit card | — | — | |
| Phone plans | — | — | |
| Chores, allowance & money app | |||
| Rewards that pay real cash (MBX, Scratch em All) | — | — |
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.Greenlight pricing and features per their published plan-comparison page, reviewed July 2026. Verify before relying on this table. Greenlight's Infinity and Family Shield plans ($15.98+/mo) aren't shown here; they're priced above MoGold and offer a higher savings rate. Greenlight's Core and Max plans also include other features not shown in this table, such as investing tools and identity and fraud protection on Max.
A matching Modak Visa® physical debit card for you. Fund kids in a tap, split bills, and put your own balance to work.
MBX points⁴ and a daily Scratch em All⁵ keep kids coming back. 100 MBX = $1 on their card.
Add an affordable phone plan for your kid, right from the same app. Greenlight doesn't offer this.
“This app beats Greenlight by far! Love the many options this app provides, like the chores and MBX where they can cash in. It also alerts me when they spend money.”
“Nothing like Greenlight where they charge a ridiculous subscription fee. Modak makes it easy to transfer money to my kids and gets them walking for those MBX points.”
“A free app that is excellent for parents and children! Love the rewards and use it instead of Greenlight.”
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.
There are no fees associated with opening the account.
Read more →The membership costs $5.99 per month.
Read more →You can add a maximum of 7 kids per parent.
Read more →Yes. MoGold and MoSilver members can request a parent physical card at no additional cost. Outside of a MoGold or MoSilver subscription, the parent physical card costs $5.
Read more →See how it all fits together: the free debit card, chores, allowance, saving goals and rewards, or compare plans to see MoSilver and MoGold side by side.
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