# Acorns Early: Kids Money App — Debit Card, Allowance, Chores

> Financial wellness app and debit card for kids to learn earning, saving, and spending. (iPhone/iPad app by Acorns Grow Incorporated.)

- Source: https://appshunter.io/ios/app/acorns-early-kids-money-app/id6566186346 (this page in markdown: same URL + `.md`)
- Developer: [Acorns Grow Incorporated](https://appshunter.io/developer/883324674)
- Category: Finance, Lifestyle
- Price: Free
- Rating: 4.60/5 from 9,593 App Store ratings · 415 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 128 MB
- Languages: American English
- Released: 2024-11-18
- Data updated: 2026-08-26
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/acorns-early-kids-money-app/id6566186346/reviews.md

## What is Acorns Early?

Acorns Early (formerly GoHenry) is the smart money app and debit card for your kids that teaches them financial wellness and the value of money. Young people aged 6-18 can learn about earning, saving, and smart spending with features like automated allowance, task lists, and gamified educational quizzes and videos. Then they can practice their skills in the real world with their own debit card. All while parents watch and guide with flexible parental controls.

ACORNS EARLY FEATURES:

- AUTOMATED ALLOWANCE
Automated weekly allowance teaches budgeting skills and that once their money is gone, it's gone.

- SAVING & BUDGETING
Make saving a habit with child-led savings goals that parents can lock and unlock.

- IN-APP TASK LISTS
Teach the power of earning by sending rewards for completed chores.

- BITE-SIZED LESSONS
Boost your child's financial literacy with in-app Money Missions. On average, kids add 30% more to their savings in the first month after completing one.

- THEIR OWN PREPAID CARD
Your child can practice their new skills in the real world with their own kids' debit card — and choose from 45+ designs.

- TRAVEL ABROAD FEE-FREE
One less thing to worry about on vacation with fee-free transactions overseas.

- ATM WITHDRAWAL
Heading somewhere that only takes cash? Your child can withdraw money at ATMs.

ACORNS EARLY PARENT FEATURES:

- QUICK AND EASY TRANSFERS
Send money anytime with scheduled allowance and instant transfers.

- INCENTIVIZE CHORES
Set task lists and send rewards for completed chores.

- SPENDING VISIBILITY
Track your kid's money with real-time notifications straight to your phone.

- FLEXIBLE CONTROLS
Choose when, where, and how much your child spends — and change your preferences anytime in-app.

- FOR THE WHOLE FAMILY
Friends and family can send money straight to your child's card with Giftlinks and Relatives accounts.

- GIVING MADE EASY
Teach your child the value of helping others with optional charitable donations in-app.

ACORNS EARLY TEEN EXTRA FEATURES: YOU`LL NEED A PARENT OR GUARDIAN TO SIGN YOU UP

- THE ACCOUNT THAT GROWS WITH YOU
Grow your independence with a smart debit card and 13+ account with features just for teens.

- SPLIT THE BILL
Request or send money with friends on Acorns Early at any time.

- REQUEST MONEY, GET PAID
Get paid in person with QR codes — even if that person doesn't use Acorns Early.

- SAVINGS YOU CONTROL
Set savings goals in-app for those must-have purchases.

- READY FOR YOUR SIDE HUSTLE
Get paid wages straight to your account with Direct Deposits (14+).

- MAP YOUR SPENDING
Stay on top of your spending habits by tracking your cash flow with spending maps.

LET'S GET STARTED!
1. Sign up today
2. Download the app & learn instantly with Money Missions
3. Parents can set allowance, chores, and add money
4. Activate your card when it arrives in 5-7 days

PRICING
Lite ($8/mo) – Start your kids’ money journey with a smart money app and debit card (up to 4 kids)
Gold ($12/mo) – All the expert tools to grow financial wellness – for you and your family

54k+ 5 star reviews worldwide (Trustpilot, App Stores).

Acorns Early® cards are issued by (1) nbkc bank, Member FDIC, pursuant to license from Visa U.S.A. Inc. or (2) Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. Cardholder Terms and limits apply. Monthly charges apply until cancelled – see Acorns.com/early for details.

An Acorns Gold subscription includes investment products accessible only through the separate Acorns app. Investment services are provided by Acorns Advisers, LLC, an SEC-registered investment adviser. Brokerage services are provided by Acorns Securities, LLC, an SEC registered Broker Dealer, Member FINRA, SIPC. For more information visit Acorns.com. Additional T&Cs apply.

Investments are not FDIC-insured, are not a deposit, and may lose value.

https://www.acorns.com/early/cardholder-terms/

Acorns Early Address: 5300 California Avenue, Irvine, CA 92617 USA

## Key features

- Automated allowance
- Savings goals
- Chore rewards
- Financial literacy lessons
- Kids' debit card
- Parental controls
- Fee-free international transactions

## What do users think of Acorns Early?

Overall sentiment: mixed

**Pros**

- 👍 Engaging and fun for kids
- 💡 Teaches financial responsibility
- 🚀 Easy to use and user-friendly
- 👍 Helpful for introducing money concepts
- 💡 Motivates kids to do chores
- 👍 Allows kids to have their own debit card

**Cons**

- 🐛 Buggy and unreliable app
- 🔒 Poor customer support and account management
- 🔍 Lacks flexibility for managing multiple kids
- 👎 Difficult to use, especially for parents with multiple children
- 👎 Educational content not engaging enough for kids

**Commonly reported bugs**

- Login and password reset issues
- App crashing and not functioning properly
- Inability to manage and delete family members

**Most requested features**

- Allow more flexible chore scheduling options
- Improve direct funding to kids' cards
- Add more engaging educational content and rewards for kids
- Implement dark mode and customization options

## Recent user reviews (10 of 415)

All indexed reviews: https://appshunter.io/ios/app/acorns-early-kids-money-app/id6566186346/reviews.md

### 5/5 — Why?

*2026-08-17, version 9.6.1*

It is so hard to login 😒😒😒😒😒😒😒

### 5/5 — Acorn

*2026-08-14, version 9.6.1*

Amazing app for kids and a great way to trader funds from your account into your children’s. Amazing app 8/10

### 3/5 — Multiple account linking can be improved

*2026-08-12, version 9.6.1*

Adding more than one bank account, and labeling them properly is difficult or impossible.  Small thing, unless you need it for multiple kids

### 2/5 — Customer service

*2026-08-12, version 9.6.1*

You would expect this so called bank for children to provide excellent customer service because they will be interacting with children, but unfortunately, they do not. They fail to provide any information. FYI, make sure your children do not make any default purchases.

### 5/5 — Not Good but Not Bad/ Perfect for parents who want chores to be done!

*2026-08-12, version 9.6.1*

🤍 I got this app because I wanted to earn more money. First it was super fun! But present time now, no matter how much chores I check off, I still can’t seem to earn any money on my paycheck day. Developer, please let me know how I can fix this!!🤍

### 1/5 — Won’t refund money…don’t use this app

*2026-08-11, version 9.6.1*

I rarely write reviews, but I feel I must share my experience to help other parents avoid this app. We had this app for several years and my kids are now older teens so we don’t need it. (Honestly after the first week or two they lost interest.) Regardless, I kept putting in an allowance every week for them and they had over $600 in the accounts when we decided to cancel the app. It’s been over a month and we still can’t get our money back! The first time I called they said it would be 3-5 business days. Then a week later they sent an email stating they needed my bank account information in order to refund our money from the account. (Initially they said it would be refunded to the card on file.) I reluctantly gave them that info and 4 phone calls later, and 3 more weeks have went by with no money returned to me. Yesterday I called again and they said they would have a manager call me by the end of the day. Guess what…still no phone calls! Please save yourself the hassle and don’t use this app! Your kids won’t get their saved money back!

### 5/5 — I love the app make my life more easy and for my kids

*2026-08-11, version 9.6.1*

I m don’t have to worry no more my kids with out money

### 5/5 — Amazing

*2026-08-10, version 9.6.1*

Amazingly so it taught my children to save and teach them skills that aren’t taught in school

### 5/5 — Great app

*2026-08-09, version 9.6.1*

Easy to use

### 3/5 — Just Ok

*2026-08-09, version 9.6.1*

I don’t love how only one parent can add or deduct from the parent wallet. I also have to create a parent code and enter it twice every time I enter the app which is annoying. The app itself works pretty well, easy to use for kids.

## Frequently asked questions about Acorns Early

### What does Acorns Early do?

Acorns Early is a financial wellness app and debit card designed for kids aged 6-18. It teaches them about earning, saving, and smart spending through features like automated allowance, chore rewards, and educational content. Parents can monitor and control their child's spending with flexible parental controls.

### What are the key features of Acorns Early?

Key features include automated allowance to teach budgeting, child-led savings goals, in-app task lists for chore rewards, bite-sized financial literacy lessons called Money Missions, and a prepaid debit card for kids to practice spending. Parents benefit from quick transfers, spending visibility, and flexible controls.

### How much does Acorns Early cost?

Acorns Early offers subscription plans. The Lite plan costs $8 per month and supports up to 4 kids, while the Gold plan costs $12 per month and includes additional features.

### Is Acorns Early available for all ages?

Acorns Early is designed for young people aged 6-18. Teenagers (13+) can access additional features for greater independence, and direct deposit for wages is available for those aged 14 and above, with a parent or guardian's sign-up.

### Can my child use the card abroad?

Yes, the Acorns Early debit card can be used fee-free for transactions when traveling abroad. This makes it convenient for families on vacation and helps children practice managing money in different currencies without incurring extra charges.

## Version history (last 5 releases)

### 9.7.0 — 2026-08-17

In this release, we’ve made small improvements and fixed a few issues to keep your app running smoothly.

### 9.6.1 — 2026-08-05

In this release, we’ve made small improvements and fixed a few issues to keep your app running smoothly.

### 9.6.0 — 2026-07-28

In this release, we’ve made small improvements and fixed a few issues to keep your app running smoothly.

### 9.5.0 — 2026-07-15

In this release, we’ve made small improvements and fixed a few issues to keep your app running smoothly.

### 9.4.0 — 2026-06-24

In this release, we’ve made small improvements and fixed a few issues to keep your app running smoothly.

## Apps similar to Acorns Early

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [GoHenry by Acorns Kids Banking](https://appshunter.io/ios/app/gohenry-by-acorns-kids-banking/id683249974) | 4.5 (14,559) | Free | Finance |
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## More apps by Acorns Grow Incorporated

- [Acorns: Save & Invest Money](https://appshunter.io/ios/app/acorns-save-and-invest-money/id883324671)

All apps by Acorns Grow Incorporated: https://appshunter.io/developer/883324674

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*