# UIB Beginnings > Financial literacy app for kids and teens with parental controls and prepaid debit card. (iPhone/iPad app by Utah Independent Bank.) - Source: https://appshunter.io/ios/app/uib-beginnings/id6759621009 (this page in markdown: same URL + `.md`) - Developer: [Utah Independent Bank](https://appshunter.io/developer/894034929) - Category: Finance, Education - Price: Free - Rating: 5.00/5 from 1 App Store ratings - Age rating: 4+ - Requires: iOS 12.0 · 109 MB - Languages: American English - Released: 2026-04-06 - Data updated: 2026-07-21 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/uib-beginnings/id6759621009/reviews.md ## What is UIB Beginnings? Unleash the power of financial literacy with the UIB Beginnings app, designed to transform kids and teens into savvy money managers! In a world where schools often fall short on financial education, our app steps in to make learning about saving†, spending, donating†, and investing* fun and accessible. Parents remain in the driver’s seat, approving transactions to ensure a safe and smart journey towards financial responsibility. Kids can make real-life money decisions right from their mobile devices, with parents providing a supportive safety net. Chores and Allowance Tracker: Turn everyday tasks into opportunities for growth! Kids can earn their allowance by completing a variety of chores, with hundreds of options to choose from or even custom ones added by parents. Our chores and allowance tracker not only helps kids earn but also instills valuable character traits like accountability, dependability, time management, and teamwork. Set it up in minutes and enjoy the convenience of weekly payments or the ease of our auto-allowance† feature. Teach Easy Investing*: Why wait to start investing? Every family account includes built-in investing, allowing kids to kickstart their financial future with commission-free trades starting at just $10. Securely invest together through our platform, backed by Apex Clearing Corporation, and watch your kids’ savings grow toward goals like college funds, first cars, and more. These essential skills will empower them to navigate adulthood with financial confidence. Learn to Spend Wisely: Empower your kids with financial independence by enrolling up to 5 children on one account, each eligible for a Utah Independent Bank branded BusyKid Visa® Prepaid Debit Card. These cards can be used online or in stores, with parents approving all funds and monitoring transactions through their dashboard’s activity feed. BusyPay†: Say goodbye to the hassle of gift cards! BusyPay allows you to load money directly into an account, eliminating the risk of loss, theft, or unused funds. Share a BusyPay QR code with friends and family to receive gifts for birthdays, holidays, or neighborhood jobs. Plus, use this exclusive feature to send money to others within our app. Being Charitable: Foster a balanced financial lifestyle by encouraging generosity. Donate easily to local and national charities, helping kids understand the importance of giving beyond tax benefits. Safety First: We prioritize security with the latest SSL encryption technology. Each app and card requires a unique PIN, and parents receive alerts for all transactions and card issues. Sensitive information is securely stored by partners who comply with all Payment Card Industry Data Security Standards. This Utah Independent Bank Beginnings program is provided through BusyKid. The BusyKid Visa® Prepaid Debit Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card can be used everywhere Visa debit cards are accepted. *BusyKid's provision of access to securities products and brokerage services are offered by Apex Fintech Brokerage Services and Apex Clearing. Apex Fintech Brokerage Services and Apex Clearing Corporation are both licensed and registered to conduct securities business in 53 U.S. states and territories. This feature is optional and not affiliated with Pathward nor Visa. †Optional feature is a BusyKid product. ## Key features - Chores and allowance tracker - Teach easy investing - Learn to spend wisely - BusyPay for gift cards and transfers - Charitable donations - Parental transaction approval - Prepaid debit card for kids ## Frequently asked questions about UIB Beginnings ### What is UIB Beginnings? UIB Beginnings is a finance app designed to teach children and teens about money management. It allows kids to earn, save, spend, and invest, with parents overseeing all transactions. ### Is UIB Beginnings free to use? Yes, UIB Beginnings is available for free. The app does not have in-app purchases or advertisements, providing a completely free experience for users. ### What devices does UIB Beginnings support? UIB Beginnings is available on iPhone and iPod devices. It is designed for mobile use on these platforms. ### How does UIB Beginnings handle security? UIB Beginnings prioritizes security with SSL encryption and unique PINs for each app and card. Sensitive information is stored by partners compliant with Payment Card Industry Data Security Standards. ### Can I set up multiple children on UIB Beginnings? Yes, you can enroll up to five children on a single UIB Beginnings account. Each child is eligible for a Utah Independent Bank branded BusyKid Visa® Prepaid Debit Card. ### How often is UIB Beginnings updated? The latest version of UIB Beginnings is 3.34.07, which was last updated on May 26, 2026. Updates ensure the app remains current and functional. ### What age rating does UIB Beginnings have? UIB Beginnings has an age rating of 4+. This indicates it is suitable for children aged four and older, making it accessible for early financial education. ### Does UIB Beginnings offer investing features? Yes, UIB Beginnings includes built-in investing capabilities, allowing kids to start commission-free trades with as little as $10. This feature helps them kickstart their financial future. ## Version history (last 3 releases) ### 3.35.07 — 2026-07-08 Minor bug fixes and feature improvements ### 3.34.07 — 2026-05-26 Bug fixes and feature improvements ### 3.34.01 — 2026-04-06 No release notes. ## More apps by Utah Independent Bank - [Utah Independent Bank Mobile](https://appshunter.io/ios/app/utah-independent-bank-mobile/id894034925) - [Utah Independent Bank App](https://appshunter.io/ios/app/utah-independent-bank-app/id6749919225) All apps by Utah Independent Bank: https://appshunter.io/developer/894034929 ## Related topics [utah independent bank](https://appshunter.io/ios/topics/utah-independent-bank) --- *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 2026-07-21.*