Modak: Kids & Teens Banking

Debit card for families

Only for iPhone

Free · Designed for iPhone. Not verified for macOS.

iPhone

Modak gives kids and teens a real Visa® debit card, plus the tools to earn, spend and save, while parents stay in control. Start free with a virtual card. Some features require a paid plan.² A REAL VISA® DEBIT CARD FOR KIDS Everywhere Visa® is accepted. Tap to pay with Apple Pay® or Google Pay™, shop online and in stores, cash at millions of ATMs. Operator fees may apply.⁴ Virtual card ready instantly; physical card available upon request.¹ Ages 0 to 17. Parents get a free virtual card too. CHORES THAT PAY² Set a task, set a reward, approve it when it’s done. The money lands on their account right away. Any task, no limit. ALLOWANCE THAT RUNS ITSELF² Set the amount and schedule once, daily to monthly, and it’s sent automatically, on time, every time. Change or pause anytime. SAVING GOALS² Open a goal, set the target, watch it grow. Kids and parents can both add money. On MoGold, every goal can earn up to a 4% annual boost.² ALERTS, CONTROLS AND SAFETY An alert the moment they spend: what, where and how much. Freeze the card in a tap. Biometric login and multi-layer protection. Kids can only spend what’s on their balance. Enhanced controls and analytics on paid plans.² SEND AND MANAGE FAMILY MONEY Add money from your bank, or in seconds from any debit or credit card (a small fee applies,⁴ free on MoGold²). Set auto-reload and the balance tops itself up. Send free between Modak users, and split any bill fairly. CO-PARENTING² Add another parent, a grandparent or a guardian to help manage a kid’s money. Each adult keeps a separate account.⁵ PLANS MoBasic, $0/month: kids’ and parent virtual cards, ATM access, auto-reload, real-time alerts, card freeze, MBX rewards. MoSilver, $2.99/month: everything in MoBasic, plus chores, allowance, saving goals, co-parenting, enhanced controls and analytics, premium card designs, physical cards included. MoGold, $5.99/month: everything in MoSilver, plus 2% cashback on eligible purchases, up to a 4% annual boost on saving goals and your parent balance, instant funding fees reimbursed up to $25 a month.² -- 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 1. Physical card issuance requires either funding the teen’s account with at least $10 or subscribing to an eligible plan. A virtual card is issued free upon account creation. 2. Details on Subscription plans, including cashback purchase eligibility, saving goals, instant funding limits (waived up to $25 in fees per month), free physical card shipping and more are available in our Terms & Conditions (modakmakers.com/legal/terms). The Modak Boost program, can be found in our Terms & Conditions and Modak Boost Terms and Conditions (modakmakers.com/legal/goals-account-acknowledgement). The Bank does not pay interest on the account, and All incentive payments are funded and made solely by Modak, independent of the Bank. 3. Fees for expedited or premium services may apply. Find out more in our Cardholder agreement (modakmakers.com/legal/legend-agreements). 4. For eligibility, functionality, and other details regarding the Co-Parenting feature, please review our Terms and Conditions (modakmakers.com/legal/terms). Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google

  • 4.8
    out of 5
    9.1K Ratings

Screen Time is here for MoSilver and MoGold! Set limits on your kids' screen time, and let them earn extra time with good habits like walking outside or completing their weekday chores. Also new: add a note when you send money to your kids. They'll see it in the transaction details, so they know what it's for.

The developer, Modak, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .

  • Data Used to Track You

    The following data may be used to track you across apps and websites owned by other companies:

    • Identifiers
  • Data Linked to You

    The following data may be collected and linked to your identity:

    • Contact Info
    • Identifiers
    • Usage Data

Privacy practices may vary, for example, based on the features you use or your age. Learn More

The developer has not yet indicated which accessibility features this app supports. Learn More

Seller
Modak Communities Operating Holdings Inc.
Size
168.1 MB
Category
Finance
Compatibility
Requires iOS 16.0 or later.
  • iPhone
    Requires iOS 16.0 or later.
  • Mac
    Requires macOS 13.0 or later and a Mac with Apple M1 chip or later.
Location
This app may use your location even when it isn’t open, which can decrease device battery life.
Languages
English
Age Rating
4+
Copyright
© 2026 Modak Communities Inc.