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October 2021

Top debit cards for kids in the UK

Top debit cards for kids

United Kingdom United Kingdom – October 2021
  • Virtual debit card designed especially for kids
  • Full visibility & control over your kids spending
  • Instant & scheduled pocket money transfers 

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Pricing Card What We Like Score Open an Account
  • Free Plan
  • Card & Pocket money app that teaches kids to save
  • Set up different saving “Jars” for each saving goal
  • Set spending limits to help manage their savings
  • Link their iPad | Xbox so they don’t overspend
9.8
Extra Protection
VPN Internet Security
Safe Password Vault
Additional Features
Plans & Prices
Support
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Payment Methods
  • £2 per month
  • Kids debit card from a Fully licened UK bank
  • Manage your kid’s account & spending from 1 app
  • Freeze their card in seconds if it is lost or stolen
9.5
Extra Protection
VPN Internet Security
Safe Password Vault
Additional Features
Plans & Prices
Support
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Payment Methods
  • £2.99 per month
  • pre-paid card & app with unique parental controls
  • Set where they can spend; in shops, online or at ATMs
9.1
Extra Protection
VPN Internet Security
Safe Password Vault
Additional Features
Plans & Prices
Support
Created with Sketch.
Created with Sketch.
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Payment Methods
  • Free Plan
  • Upgrade: £14.99/year
  • Card & virtual money tracker to keep up with your kids’ spending
  • Set up chores for your kids to complete to earn their allowance
8.8
Extra Protection
VPN Internet Security
Safe Password Vault
Additional Features
Plans & Prices
Support
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Payment Methods
  • £2.5 per month
  • Load your kids allowance from your bank account
  • Instantly lock the card if it’s lost or stolen
8.5
Extra Protection
VPN Internet Security
Safe Password Vault
Additional Features
Plans & Prices
Support
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Payment Methods
1
Most popular choice
Score
9.8
  • Card & Pocket money app that teaches kids to save
  • Set up different saving “Jars” for each saving goal
2
Score
9.5
  • Kids debit card from a Fully licened UK bank
  • Manage your kid’s account & spending from 1 app
3
Score
9.1
  • pre-paid card & app with unique parental control
  • Set where they can spend; shops, online or ATMs
4
Score
8.8
  • Card & virtual money tracker to keep up with your kids’ spending
5
Score
8.5
  • 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

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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

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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

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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

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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

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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

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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