Teach your kids money skills with a free debit card and money app.
Get your kids’ free debit card
FROM THE INVESTORS OF
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.
Easily lock or unlock your kid’s card from the app and oversee their spending.
Chat with real people. Also available in Spanish during business hours.
Your family’s data is fully encrypted and protected under the highest security standards.
Use fingerprint or facial recognition for secure, instant access to your account.
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.
Great fast customer service, love this card for my daughter way better than any other loaded card out there
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.
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.
Great fast customer service, love this card for my daughter way better than any other loaded card out there
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.
Based on thousands of reviews as of April 15th, 2025.10
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.
To sign up, you should be below 18 years old. Your parent or guardian will be the account holder, allowing you to use it.
