Copper - Bank & Earn Money 4+

Paid Surveys - Earn Gift Cards

NEXT Financial Inc

Designed for iPhone

    • Free

iPhone Screenshots


Copper: Where kids learn while they bank, and parents keep an eye on them as they build the financial skills they need to succeed. It’s that simple.

We’re the only banking app that truly teaches teens & kids about money, setting them up for future financial success. With Copper, they'll gain vital real-world experience as they bank, save, and invest their money — all in a safe learning environment, with financial literacy moments built in. With real-time monitoring and alerts, parents get full visibility over it all.

For Kids & Teens:
- With Copper, you'll enjoy all the benefits of having a (knowledge) bank in your pocket.
- Get a shiny new Copper debit card with your name on it.
- Shop in-store, online, or with Apple Pay.
- Get $$$ from Mom and Dad instantly.
- Learn to invest the smart way.
- Earn $$$ by referring your friends.
- Track when, where, and how you're using your money.
- Set savings goals and learn how to reach them!

For Parents:
- Skip the ATM. Send money to your kids instantly through the app!
- Automate allowance one time, then never worry about having cash again
- Monitor your child's spending with real-time alerts
- Backed by financial literacy experts, Copper teaches kids about money in a safe learning environment
- Help your child build confidence and independence
- Empower your kid's budgeting and savings skills with our top-rated app
- Teach smart investing habits with a portfolio built just for them
- Trust that your child is learning the skills they need to succeed in the real world


With Copper, families get:
- Built-in financial literacy & real-world money tools
- FDIC-insured savings account
- 2% in Savings Rewards
- Copper debit card (Physical & Virtual)
- Access to 50,000+ ATMs nationwide
- Savings goals
- Instant P2P money transfers
- Divvy (automated saving and investing)
- RoundUps (automatically save and invest your spare change)
- Automated Allowance
- Spend monitoring notifications
- Embedded safety features
- Early Direct Deposit (teens get paid up to 2 days faster)
- Zero overdraft fees
- Zero hidden fees
- NO credit checks
- Armed with Zero Liability Protection
- World-Class Customer Support

The future starts now with Copper + Invest.

Get all that comes with Copper, plus:
- 5% Savings Rewards
- Diversified investment portfolio tailored to their risk level
- Priority access to our World-Class Customer Support team

Peace of mind for parents. Financial education & empowerment for kids. Get Copper.

Learn more:

1 Copper is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust; Members FDIC. Investing services provided by NFA, an SEC registered investment advisor. Brokerage services provided by DriveWealth, LLC, member SIPC. NFA offers three different risk portfolios consisting of ETFs which includes the above mentioned single name stocks

2 Source: App Store, as of 3/10/23

3 Eligible for instant money transfers when funding with an external debit card. Processing times are often instant but in some cases may take longer.

What’s New

Version 4.25.0

Performance enhancements and improvements.

Ratings and Reviews

4.8 out of 5
59.8K Ratings

59.8K Ratings

Swishywateryummygummt ,


I was very skeptical so I didn’t put any of my parents card or other info other than my email and phone number. Although I have bought a 10 dollar Visa card and it went through, I am still not going to put anything super personal. I’m happy with this app and have been binge gaming when I am bored and now. lucky me, I get money for it. I saw some reviews saying that it deosn’t help anyone get financial or that it steals info. I can happily say that I have not gotten any extra spam or trash emails. I don’t believe it helps you get “financially smart” but you do get real money. As I said before I bought a 10 dollar Visa card and placed an order on SHEIN to test it out. My payment was successful and I’m happy to know I found an app that gives gift cards. I have an old phone so I can only do the game offers that give low coins but if you have a newer phone then I believe the big game prizes are just as realiable. Other apps I’ve found good are Fetch and Benjamin. I hope this review helps and this app is the best, trust.


What age can my child have the card and be a authorized user?

So I want to get my child this copper card because they really want to invest and start earning and saving money. It says for kids and teens but I wanted to make sure. So I looked on Google and it said for teens. I tried to do more research on what age can a kid have a copper card and be a authorized user. And It didn’t say nowhere that kids can have it (like below the age of 10). So I just wanted to ask you guys on what age can my child have the card and actually use it anywhere? Becuase on Google it says teens which is for teenagers. And I have a kid that is 11 years old and I really just wanted to know can my 11 year old have a copper card and be a authorized user. Thank you for creating this amazing app. God bless

Developer Response ,

Hi there ! Children age 6 or older can be connected as authorized users and receive a debit card in their name. This allows them to access the Investing product as well. Great information is available at under the FAQ section.

Sid12346! ,

Copper deceives teens

For a company that touts itself as educating teens and teaching financial literacy, Copper happily deceives teens and steals their personal information. For an account that supposedly earns a “5% savings reward” expect a trivial amount of money due to Copper’s deceptive method of calculating such reward which is buried in the terms of service. Why not share how this reward is calculated with teens so that they can become more financially literate? Because Copper would rather let teens think they are earning 5% when they are actually earning much less. Copper’s recent addition of earning “credits” in the app is somehow even worse then their deceptive marketing tactics regarding interest rates. Asking teens to give up personal information for fractions of a cent is not financial literary. This practice nearly robs them of their privacy and data while lining Coppers pockets. If you are interested in learning about financial literacy, I would recommend reading Copper’s terms of service to learn about all of their deceptive marketing. Steering clear of Copper will leave you more financially stable and economically literate. A word to Copper: the best way to teach teens financial literary would be to be more transparent in your practices instead of hiding behind deceptive marketing designed to trick teens. ~a financially literate teen

Developer Response ,

Hi there! We understand that you are interested in a great return on savings. Copper rewards offer some of the highest savings rewards in the country. With savings accounts, the percent return is usually based on an annual calculation or an "annual percentage yield". When you see savings rates of 2% or 5% from financial institutions, that's the annual rate, and they're calculated in a manner similar to our Copper Rewards. So what might seem like a small amount to start with can be significant over time as the interest accrues.

If you would like additional information, please email us at

App Privacy

The developer, NEXT Financial Inc, 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

Data Not Linked to You

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

  • Contact Info
  • Diagnostics

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

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