# Modak: Kids & Teens Banking — Debit card for families > Family banking and financial education app with a debit card and chore tracker. (iPhone/iPad app by Modak.) - Source: https://appshunter.io/ios/app/modak-kids-and-teens-banking/id6444897051 (this page in markdown: same URL + `.md`) - Developer: [Modak](https://appshunter.io/developer/1654924812) - Category: Finance - Price: Free - Rating: 4.80/5 from 8,825 App Store ratings · 1,368 written reviews indexed - Age rating: 4+ - Requires: iOS 15.6 · 157 MB - Languages: American English - Released: 2023-02-15 - Data updated: 2026-09-01 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/modak-kids-and-teens-banking/id6444897051/reviews.md ## What is Modak? Free debit card for kids. Real money skills for life. Modak gives kids a real Visa® debit card and the tools to earn, spend, and save — while parents stay in full control. Build genuine money habits from day one, with chores that pay out, automated allowance, savings goals, and rewards that turn healthy activity into real pocket money. —————————————————— FREE VISA® DEBIT CARD FOR KIDS —————————————————— Your child gets a Visa® debit card accepted everywhere — in stores, online, and with Apple Pay & Google Pay. A virtual card is ready instantly. Upgrade to MoGold for 2% cashback on eligible purchases. —————————————————— CHORES & ALLOWANCE, AUTOMATED —————————————————— Assign chores, set an allowance schedule, and let Modak handle the rest. When a task is done and approved, money lands on your kid's card immediately. No cash. No forgetting. No manual transfers. —————————————————— SAVINGS GOALS THAT GROW —————————————————— Kids set a goal, track progress, and watch it grow. Parents can chip in at any time. Upgrade to MoGold for a 4% annual boost on every goal. —————————————————— EARN REWARDS FOR GOOD HABITS —————————————————— Kids earn MBX — Modak's rewards currency — by walking daily steps, completing challenges, opening scratch cards, and more. Points convert directly into real money on their card. —————————————————— PARENTAL CONTROLS & REAL-TIME SAFETY —————————————————— Get notified the moment your child spends. Freeze or unfreeze their card instantly. Kids can only spend what's on their balance. —————————————————— SEND & RECEIVE MONEY —————————————————— Transfer money to your kid's card for free from your parent balance, any time. Share a Get Paid link so grandparents or family can send money directly — no Modak account needed. Kids and parents can split expenses with friends. —————————————————— GO FURTHER WITH MOGOLD — $5.99/mo —————————————————— Unlock free instant funding (save up to $25 in transfer fees per month), 2% cashback on eligible kid spending, a 4% annual savings boost, and a free physical parent card. -- Modak is a financial technology company and is not an FDIC-insured financial institution. Deposit account and the Modak Visa® debit card are issued by Legend Bank, N.A., Member FDIC. Details on MoGold features, including cashback purchase eligibility, saving goals and instant funding limits (waived up to $25 in fees per month), are available in our Terms & Conditions. Fees for expedited or premium services may apply. See Cardholder Agreement for details. ## Key features - Visa debit card for kids and teens - Allowance and chore tracking - Parental controls and real-time transaction monitoring - Earn reward points (MBX) for real money - Daily and weekly challenges for financial literacy - Set and manage savings goals - Secure money management with checking accounts ## What do users think of Modak? Overall sentiment: positive **Pros** - 👍 Easy to use and navigate - 💰 Earn money through challenges and activities - 🤑 Ability to convert in-app currency to real money - 🤝 Helpful and friendly customer support - 🔒 Secure and reliable app - 📚 Educational features to learn about finance - 🎉 Fun and engaging experience **Cons** - ⏱️ Slow money transfer times - 🔐 Account locking issues - 💸 Unexpected fees - 🐛 Occasional bugs and glitches - 🔌 Connectivity problems **Commonly reported bugs** - Login screen freezes - Incompatibility with certain devices - Inconsistent app performance **Most requested features** - Customizable profile options - Improved transaction history tracking - Integration with popular mobile wallets - More advanced budgeting and savings tools - Expanded challenge and reward options ## Recent user reviews (10 of 1,368) All indexed reviews: https://appshunter.io/ios/app/modak-kids-and-teens-banking/id6444897051/reviews.md ### 1/5 — Horrible *2026-08-11, version 2.28.8* Every time I get on this app it’s always putting me off of it, like gang why can’t I get on. And also yall got me messed up because why are y’all taking money. First y’all took $3 and now y’all took all of it. I knew y’all took it because I ain’t even pay for anything. And also y’all need to fix this app because every time I get on this app it’s talking about some restricted mode or what ever. What did I do to have my account restricted for no reason. And when I get on and back on it seems to fix it. So all I’m trying to say is fix this app. ### 5/5 — Great *2026-08-09, version 2.28.7* This was so fun ### 4/5 — love it *2026-08-09, version 2.28.7* i just wish i could use my card with Garmin watch ### 1/5 — Can’t even use at *2026-08-09, version 2.28.7* The app has been messing up for the past two weeks. It just keeps loading and loading and loading ### 5/5 — Modak *2026-08-07, version 2.28.6* It is an amazing kid banking account with challenges, points to cash in as real money, and debit cards. You can add your debit card to Apple Pay to tap with your phone or you can tap with your card. You can withdraw cash from atms with your card and if you get MO GOLD you will have 2% cashback ### 4/5 — My rating *2026-08-07, version 2.28.6* This app is such a wonderful app ### 5/5 — Awesome *2026-08-01, version 2.28.5* This app is awesome. I love the challenges. ### 4/5 — pretty good app *2026-07-31, version 2.28.4* I would like it if it was a little less MBX to get money but 100 is pretty good ### 4/5 — It’s ok *2026-07-31, version 2.28.4* I love this app but I CAN NOT for the life of me figure out how to transfer money to family and friends. ### 5/5 — How modal is a great app *2026-07-31, version 2.28.3* It’s a great app for kids to learn how to spend their money ## Frequently asked questions about Modak ### What does the Modak app do? Modak is a banking and financial education app designed for families. It provides kids and teens with a Visa debit card to manage their spending, along with tools for tracking allowances and chores. The app also includes learning games and challenges that reward users with points convertible to real money. ### What are the key features of Modak? Key features include a Modak Visa debit card usable anywhere Visa is accepted, seamless allowance and chore tracking for parents, real-time transaction monitoring, and the ability to earn reward points (MBX) redeemable for cash. Kids can also set savings goals and participate in challenges promoting financial literacy and healthy habits. ### Is Modak free to use? The app itself is free to download and use, with no monthly fees or hidden charges for basic services. While there are no monthly fees, fees for expedited or premium services may apply, as detailed in the Cardholder agreement. ### What devices is Modak compatible with? The app is designed for families and is available for use with a Modak Visa debit card. While specific device compatibility isn't detailed, it integrates with Apple Pay and Google Pay, suggesting compatibility with modern smartphones and tablets that support these services. ### How does Modak help kids learn about money? Modak teaches kids about money by allowing them to actively manage their spending with a debit card, earn money through chores, and set savings goals. The reward points system and daily/weekly challenges further incentivize learning about financial literacy, healthy habits, and active living, making financial education engaging. ## Version history (last 5 releases) ### 2.29.3 — 2026-09-01 What's new? - Location sharing is here! Starting with MoSilver, kids can now share their real-time location with parents across both Android and iOS. - We also made adding your Modak card to your digital wallet smoother ### 2.29.2 — 2026-08-27 Chores got a glow-up and now you have a better way to manage them We rebuilt it from the ground up: now you can mark overdue chores as done (no more getting stuck!), set custom frequencies for every chore, and enjoy a much more stable experience with fewer bugs. ### 2.29.1 — 2026-08-22 Chores got a glow-up and now you have a better way to manage them We rebuilt it from the ground up: now you can mark overdue chores as done (no more getting stuck!), set custom frequencies for every chore, and enjoy a much more stable experience with fewer bugs. ### 2.29.0 — 2026-08-19 Chores got a glow-up and now you have a better way to manage them We rebuilt it from the ground up: now you can mark overdue chores as done (no more getting stuck!), set custom frequencies for every chore, and enjoy a much more stable experience with fewer bugs. ### 2.28.9 — 2026-08-13 We've made performance improvements, general optimizations and fixed bugs to make your Modak experience smoother. ## Apps similar to Modak | App | Rating | Price | Category | | --- | --- | --- | --- | | [GoHenry by Acorns Kids Banking](https://appshunter.io/ios/app/gohenry-by-acorns-kids-banking/id683249974) | 4.5 (14,560) | Free | Finance | | [Greenlight: For Families](https://appshunter.io/ios/app/greenlight-for-families/id1049340702) | 4.8 (488,369) | Free | Finance | | [Jassby: Debit Card for Teens](https://appshunter.io/ios/app/jassby-debit-card-for-teens/id1375330360) | 4.4 (517) | Free | Finance | | [Till: Kids & Teen Banking](https://appshunter.io/ios/app/till-kids-and-teen-banking/id1496157742) | 4.8 (10,007) | Free | Finance | | [MyMonii: Allowance for Kids](https://appshunter.io/ios/app/mymonii-allowance-for-kids/id946025983) | 3.6 (19) | Free | Finance | | [Cash App](https://appshunter.io/ios/app/cash-app/id711923939) | 4.8 (8,654,362) | Free | Finance | ## Related topics [modak](https://appshunter.io/ios/topics/modak) · [modak makers](https://appshunter.io/ios/topics/modak-makers) · [bank for teens cards](https://appshunter.io/ios/topics/bank-for-teens-cards) · [kid banking](https://appshunter.io/ios/topics/kid-banking) · [bank account for kids chore](https://appshunter.io/ios/topics/bank-account-for-kids-chore) · [debit card for kids](https://appshunter.io/ios/topics/debit-card-for-kids) · [kids debit card](https://appshunter.io/ios/topics/kids-debit-card) · [modakent](https://appshunter.io/ios/topics/modakent) · [my kids bank](https://appshunter.io/ios/topics/my-kids-bank) · [bank account for kids](https://appshunter.io/ios/topics/bank-account-for-kids) · [kids card debita](https://appshunter.io/ios/topics/kids-card-debita) · [credit cards for kids](https://appshunter.io/ios/topics/credit-cards-for-kids) · [free debit card kids](https://appshunter.io/ios/topics/free-debit-card-kids) · [kids credit card banking](https://appshunter.io/ios/topics/kids-credit-card-banking) · [teen banking kids](https://appshunter.io/ios/topics/teen-banking-kids) · [kids bank account](https://appshunter.io/ios/topics/kids-bank-account) · [kids banking](https://appshunter.io/ios/topics/kids-banking) · [kids bank card](https://appshunter.io/ios/topics/kids-bank-card) · [money apps for kids](https://appshunter.io/ios/topics/money-apps-for-kids) · [kids card prepaid](https://appshunter.io/ios/topics/kids-card-prepaid) --- *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 2026-09-01.*