Osper - Banking for 6-18s 4+


Designed for iPad

    • 4.3 • 1.2K Ratings
    • Free



Osper is a mobile pocket money management app and a parent-managed prepaid debit card designed to help young people become confident in managing their money.

With the ability to set up an automatic allowance directly from a parent’s debit card to their children’s Osper account, there’s no more scrambling for change when pocket money day comes around. Pocket money arrives in your child’s account automatically, ready for them to save or spend. Osper gives parents complete oversight of what their children are buying and with the touch of a button they can enable or disable online spending, cash withdrawals or contactless payments.

Our Osper prepaid debit cards allow young people to:

Make purchases in shops, online and at cash machines just like any other debit card
Gain real-life hands-on experience about money management in a fun way, creating savings goals and using spending tags
Never go overdrawn or allow children to get into debt: Osper cards are prepaid and your children can only spend what’s on the card
Transfer funds between siblings.
Take responsibility for their own spending and stimulate conversations about money management with parents

The Osper app provides separate logins, one for the parent and another for the young person. Each with their own functions, our aim is to give children a sense of control and awareness over their own finances.

Within the parent app you are able to:

Set up an allowance in seconds and never miss pocket money day! Allowance transfers are free of charge with our Osper Allowance feature
make an urgent transfer to your child? Make one-off transfers to your child’s card in seconds, straight from your phone
have complete oversight of your child’s spending and balance in real-time
lock Osper cards and manage online spending, contactless and cash withdrawals from your Osper App
manage all cardholders from one app login
use the gift links - an easy and convenient way for friends and family to contribute to your child’s Osper card. Ideal for birthdays, holidays and other special occasions.

Young People can use the app to:

Take responsibility - Empower young people to control their spending, via tools such as transaction tagging, saving goals and transaction histories. Learn money management
- Stick to a budget by seeing when next Osper Allowance is coming in, tag the spendings into categories to understand more about money management in a fun way
Develop good habits - Set up automatic or manual savings goals to work towards
React - Lock the Osper card instantly with Osper Card Lock if the card gets lost
Stay in control - Check the PIN number anytime in the app

At Osper, safety is our top priority.
-Osper cards are protected by MasterCard, all funds on the cards are safe whatever eventuality.
-We designed Osper to protect young people : bars, off-licenses and online casinos are blocked by Osper and online spending is optional.
-All our online transactions are protected with 3DS security protocol.
-The app is password-protected and you can additionally enable biometric access, so that no-one can get into your Osper App except you.

The Osper card is only available to UK residents and requires a UK debit card to load money onto Osper Cards.

Osper will collect and use personal information via the Osper App in order to provide you with the Osper Service. For more information about how your information is used, including information on how we use cookies, please see our Privacy and Cookies Policy. By downloading this App you are agreeing to the Osper Terms and Privacy and Cookies Policy which can be found at osper.com/terms.

©2021 Osper Ltd. All rights reserved.
The Osper Prepaid Debit Card is issued by IDT Financial Services Limited (IDTFS) pursuant to licence by MasterCard International, and remains the property of IDTFS.

What’s New

Version 4.4.1

Easily Recognise Payments - Our brand new feature displays the brand logo next to each transaction, allowing children and their guardians to quickly recognise and monitor payments!

Ratings and Reviews

4.3 out of 5
1.2K Ratings

1.2K Ratings

Mr, Floppy ,

This app is a life-saver!

From the start, let me just say that this is coming from an 12 year-old, and not a parent, for those of you wondering.
I’ve been using this app for months now, and countless times have I had to use this app. It’s a great way to get people’s children to be aware of how much things really cost, and teaches them the responsibility of being cautious about how much they spend.
The allowance option on the app is a great addition, the ‘Savings’ option I love, mainly because it stops you spending money on pointless things when you’re trying to reach a certain target, and the ‘send money’ system is actually really nice, and allows you to send nice messages with the money sent.

However, I have one request, and that is for people to be allowed to send amounts under £1.00

Rileyyyyyyyy🙃🙃 ,


This is coming from an 13 year old who been using Osper since I was 10 it’s helped me learn that we don’t need to spend money on everything we see and the goals are helpful aswell and your parent/parents can see what u spend and where u spend it. I suggest you get this for you child/children who want to spend money on their own. The app gives you an option of online shopping, Contactless, Card lock but you can turn them on or off whenever. You can also let your child/children send money to you! And you can send them money back! I really like it anyway and you can also look at your PIN number whenever and wherever you want. I think you get your kids/kid this because it also helps learning how to save money and get money by doing easy jobs for example when I tidied my room(which isn’t a lot) I got £5 into my account and it made me really happy.! You can also Check your balance whenever aswell (like a normal credit card)

Developer Response ,

Hi Riley, thank you for the great review! Sounds like Osper has been a very useful tool for you. Please let us know if you have any ideas or suggestions.

StelthyStoatTom ,

Amazing but have one big problem with it!

I have been using Osper for about a year and have already finished a savings goal an could then take that money out of a cash point with no problem whatsoever I like how independent it lets me be for example I can go to a shop after school without having to carry round lots of coins and notes. It is great because it has showed me how to use a card and how to manage money Which is a very important lesson in life. And as for the savings you don’t have to know what you want you can just save for whenever you want to buy something.
The only problem with it is that you can only have one running savings goal at once so I have had to change a goal to something else.
Please add the function to be able to have more than one savings goal to be open at once
If this was the case it would be a 5 star app!!

Developer Response ,

Hi there, and thank you for your suggestion. I'll pass this on to our product team to look into. Thank you for your feedback and please let us know if you have any other suggestions. You can contact us via the in-app chat or by emailing help@osper.com

App Privacy

The developer, Osper, 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 Linked to You

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

  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

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

You Might Also Like

Firefly for Students
EdPlace: Learn & Revise Smart
23 Equations
GO 4 Schools