Start free with a virtual debit card. Upgrade when you're ready to turn it into real money habits.
| Feature | MoBasic$0/month | MoSilver$2.99/mo | MoGold$5.99/mo |
|---|---|---|---|
| Kids Virtual Debit Card | |||
| Kids Physical Debit Card | With $10 funding | Included | Included |
| Parent Virtual Debit Card | |||
| Parent Physical Debit Card | $5 Fee | Included | Included |
| Replacement card | 1 free - $5 afterwards | 2 free - $5 afterwards | 3 free - $5 afterwards |
| Digital Wallet Provisioning (Apple Pay® & Google Pay™) | |||
| Account Balances & Transaction History | |||
| ATM Access | |||
| ACH Funding | |||
| Instant Funding | |||
| Real-Time Notifications | |||
| Basic Card Controls (Freeze/Unfreeze Card, Balance Alerts) | |||
| Auto Reload | |||
| MBX Rewards Program | |||
| Co-Parent Invitations (Primary Account Holder Only) | — | ||
| Savings Goals | — | ||
| Allowances | — | ||
| Chore Management | — | ||
| Enhanced Spending Analytics | — | ||
| Enhanced Parental Controls | — | ||
| Premium Card Design Selection | — | ||
| Cashback Rewards | — | — | 2% Cashback on Eligible Purchases² |
| Instant Funding Fee Reimbursement | — | — | Included up to $25² |
| Savings Boost Rewards | — | — | 4% Savings Boost² |
| Expedited Card Shipping | Standard Fee | Discounted Rates Available | Discounted Rates Available |
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.
“Modak is a great, fee-free way to teach children financial literacy.”
“This is such a great app to teach the kids practical understanding of money and costs. I looked at and tried a few others like this, and this is the cheapest one I found.”
“My 6 and 7 year old wanted a bank card badly! Modak made their dreams a reality, and it’s free to sign up. Sign up is fast and easy!”
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.
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 →Yes. The membership can be canceled at any time. Benefits typically remain active until the end of the current billing cycle.
Read more →Upon cancellation:
Membership fees are non-refundable once billed, unless otherwise specified.
Read more →Join families raising kids who know what to do with money.
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