- Free Plan
December 2024
UK
– December 2024
Top debit cards for kids in the UK
Top debit cards for kids
UK
– December 2024
- Virtual debit card designed especially for kids
- Full visibility & control over your kids spending
- Instant & scheduled pocket money transfers
How we rank
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| Mobile Bank | Pricing | Card | What We Like | Score | Open an Account | ||
|---|---|---|---|---|---|---|---|
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1
Our Top Choice
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9.8
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2
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9.5
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3
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9.1
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4
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8.8
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5
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8.5
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Our score
9.8
HyperJar Review
Regulation
FCA
Pricing
Free Plan
Wallets
Based on 229 reviews
Why open an account
- Set spending permissions and limits
- Link their card to iPad | Xbox to prevent over-spending on games
1
- Card & Pocket money app that teaches kids to save
- Set up different saving “Jars” for each saving goal
Our score
Regulation
FCA
Pricing
£2/month
Wallets
Based on 15405 reviews
Why open an account
- Set automatice allowance transfers
- Freeze their card in seconds if it is lost or stolen
- Full visibility of their spending & instant notifications
- Set where they can spend; in shops, online or at ATMs
2
- Kids debit card from a Fully licened UK bank
- Manage your kid’s account & spending from 1 app
Our score
9.1
gohenry Review
Regulation
FCA
Pricing
£2.99/m
Wallets
Based on 4579 reviews
Why open an account
- Get notifications of your child’s transactions
- Set automatic pocket money schedule
3
- pre-paid card & app with unique parental control
- Set where they can spend; shops, online or ATMs
Our score
Regulation
FCA
Pricing
1 month free trial.
£2.08/month
£2.08/month
Wallets
Based on 714 reviews
Why open an account
- Child login
- Chore management system
4
- Card & virtual money tracker to keep up with your kids’ spending
Our score
8.5
Osper Review
Regulation
FSC
Pricing
£2.5/month
Wallets
Based on 219 reviews
Why open an account
- Have access to your kids spending
5
- Load your kids allowance from your bank account
What is a virtual debit card for kids?
A virtual debit card for kids is a digital version of a traditional debit card. It is used in conjunction with mobile banking for on-the-go access to your funds. Virtual debit cards for kids offer transparency, account management, and parental oversight. Parents can instantly initiate transfers into kids’ virtual cards, or block cards for security reasons. Virtual debit cards can be accessed from smartphones or tablets, via apps, for convenient mobile banking services.They are an effective way to teach kids about financial matters including savings and spending, all within a secure banking environment.
Why use a virtual debit card instead of pocket money?
Full visibilty
It’s important for parents to stay informed about how their kids are managing their money. With virtual debit cards, this is really easy. As a parent or guardian, you can receive instant notifications of your kids transactions, including where they are spending their money. The best virtual debit cards for kids provide a dashboard with transaction history to make it easy to manage debits and credits in real time. Full visibility means no surprises, and the ability to initiate blocks, money transfers, or to send important notes in real time
immediate & scheduled transfers
Kids virtual debit cards are packed full of powerful features allowing for immediate transfers and scheduled transfers of funds. As a parent, you can set automatic daily, weekly, or monthly allowances. These funds can be automatically transferred from your account to theirs. Plus, with kids virtual debit cards, you can transfer your kids money within a few seconds. With real-time alerts and notifications, it’s really easy to act with immediate and scheduled transfers via the apps
Ease of use
Kids virtual debit cards are designed with user-friendliness in mind. Both parents and kids will have no problems with the easy to use app with a friendly interface. There are no complicated features and functions, and there’s a limited learning curve to get started. A separate app for the kids is provided, without all the parental oversight features and functions. This makes it easy, fun, and rewarding for children to manage their funds
Financial lessons
The best virtual debit cards for kids offer useful financial lessons about savings, spending, and money management. RoosterMoney offers personal saving pots, chore reminders, and a safe. HyperJar offers a PDF about Talking to Kids About Money, with nifty features on the HyperJar app. GoHenry provides financial lessons via savings goals, tasks, and in-app features that encourage financial proficiency. Starling Kite’s virtual debit card offers life lessons with financial planning tools, real-time banking updates, and a full transactions history
Maximum safety
Safety features are a top priority for kids debit cards. With every one of the top-rated kids debit cards you can lock your kids’ card in seconds if its lost or stolen, from the app. Further, contactless payments are much safer than cash payments. Parents can also set card control limits in real time, with a maximum number of card transactions per day, a daily transaction limit and limits per transaction too. Virtual kids debit cards are PIN protected, with top-tier chip technology, passcode protection, biometric ID, and 256-bit SSL encryption in place
Full control
You can easily control where your kids can spend, whether it’s by choosing several specific stores, or choosing if they can shop online/in stores/ withdraw money from ATMs. This makes it much easier to implement effective money management in real time, 24/7. The integrity of information and user data is protected at all times. You can decide how your data is used for a personalised in-app experience. Control what money is available, and where the funds can be spent. Enjoy all the parental control you need for your minor children to guard against financial mismanagement