Is GoHenry in Canada?

GoHenry is the kids money management app of choice for many parents in the US and UK. Find out if you can use GoHenry in Canada, and check out GoHenry Canada alternatives.

What is GoHenry?

GoHenry is a debit card and spending app that teaches kids financial literacy using expert-designed games and quizzes. Kids follow videos, interactive lessons and quizzes to complete Money Missions and earn experience points and badges. Content is created by financial professionals and teachers following US educational guidelines.

The GoHenry debit card can be used to pay for purchases. Parents can transfer funds onto the card and control where and how much kids spend. It costs $4.99 USD per month for 1 user or $9.98 USD per month for up to 4 kids.

Compare GoHenry Canada alternatives for kids

Looking for an alternative to the GoHenry card in Canada? Check out the following money management apps and accounts for kids.

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Mydoh Smart Cash Card

$2.99
Monthly Fee

$0
Transaction Cost

1-month free trial + $15
Rewards

• Info
• Pros + Cons
• More Details

MyDoh offers a kids prepaid card that can be used to make online and in-store purchases. The MyDoh app can be used to transfer money, view account balances and see transactions. Up to 5 children can be added to an account, which costs $2.99 per month.

• Parents set up and monitor the account
• Helps keep track of tasks and chores
• Dedicated Visa Debit card for your kid
• Backed by RBC, a major Canadian bank
• 30-day free trial (for new subscribers)

• Kids cannot deposit cheques or cash into their Mydoh account
• Kids cannot withdraw or deposit using ATMs
• Additional monthly fee of $2.99 (but includes up to five youth or kids' accounts under one plan)

Monthly Fee	$2.99
Transaction Cost	$0
Foreign Transaction Fee	2.5%
Monthly Fee	$2.99
Minimum Age	18
Minimum Age Teen Account	4
# Included Account	5
Rewards	1-month free trial + $15

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WALO

$9.99
Monthly Fee

$2
Transaction Cost

N/A
Rewards

• Info
• Pros + Cons
• More Details

WALO, which comes with no minimum balance and no age restrictions, costs $9.99 per month, or you can pay an annual fee that breaks down to $7.99 per month. WALO is a reloadable mastercard for kids. Parents can send one-time or recurring transfers to the card. Up to 4 children can be added to 1 account.

• Parents set up and monitor the account
• Send money to the account quickly and easily
• Dedicated card for your child
• No minimum age for resgistration

• Costs $9.99 per month for your family when billed monthly or $7.99 per month when billed annually

Monthly Fee	$9.99
Transaction Cost	$2
Foreign Transaction Fee	2.5%
Monthly Fee	$2.5
Rewards	N/A

CIBC Smart Start

0.05%
Interest Rate

$0
Account Fee

Free and unlimited, including e-transfers
Transaction Fee

• Info
• Pros + Cons
• More Details

The CIBC Smart Start kids account comes with free transactions and Interac e-Transfers. Along with a debit card to make purchases, account holders get discounts at hundreds of stores and restaurants with a free Student Price Card (SPC) membership.

• No monthly fee
• Comes with a debit card for your child
• Free, unlimited transactions and Interac e-Transfers
• 1 free non-CIBC ATM withdrawal per month
• Earn 0.05% on savings account balance
• Teens 13+ can open an account without a parent
• Discounts on food, fashion and entertainment through the free SPC+ membership for teens 14+
• BONUS OFFER: Earn up to $150 if you open an account before January 31, 2023 and meet eligibility requirements

• $2 fee for non-CIBC ATM transactions
• Kids under 12 must have a parent or guardian to open an account

Min. Age	N/A
Min. Age Teen Account	13
Account Fee	$0
Transaction Fee	Free and unlimited, including e-transfers
Interac e-Transfer Fee	N/A
NSF Fee	$45

BMO Youth Plus Account

0%
Interest Rate

$0
Account Fee

25/month, then $1.25 per transaction
Transaction Fee

• Info
• Pros + Cons
• More Details

Kids 13 and under can open an account with no monthly fees, and teens 13 to 18 years old can open a free BMO Plus Chequing Account or get a discount on the monthly fee for a BMO Premium Chequing Account or BMO Performance Chequing Account. Get the monthly fee waived on a savings account.

• Plenty of accounts to choose from
• Can easily add child to your account

• A monthly account fee may apply depending on the account you choose

Min. Age	13
Account Fee	$0
Transaction Fee	25/month, then $1.25 per transaction
Interac e-Transfer Fee	N/A

Scotiabank Getting There Savings Account

0.05%
Interest Rate

$0
Account Fee

free and unlimited
Transaction Fee

• Info
• Pros + Cons
• More Details

For $0 a month, kids can get a debit card with unlimited transactions. Scotiabank Getting There Savings Account holders who are at least 14 years old can can earn Scene+ points and redeem for free Cineplex movie theatre tickets and more.

• Teens 16+ can open account without parent
• Teens aged 12 to 15 can open an account, but require a parent's help if getting a teen debit card
• No monthly fee
• Comes with a debit card for your teen
• Earn points on debit card purchases
• Free, unlimited debit card transactions
• Free, unlimited Interac e-Transfers

• No monthly fee
• Low interest rate
• Kids under 11 need a parent to open an account and do not get an access card

Min. Age	N/A
Min. Age Teen Account	12
Account Fee	$0
Transaction Fee	free and unlimited
Interac e-Transfer Fee	free and unlimited

GoHenry plans and cost

GoHenry offers a 1-month free trial, after which a charge applies based on how many kids are on the account. Here’s its pricing:

What makes GoHenry shine

GoHenry features a suite of money management tools designed for kids and teens, but its gamified financial learning is the tool that deserves the spotlight.

Financial literacy

Every kids’ debit card includes some kind of financial blog or learning content, but GoHenry stands our for its beautifully designed lessons in the form of videos, quizzes and bite-sized articles. Each lesson caters to your child’s age from 6 to 14 years old, with more teen content in the works.

Kids set out to complete each video or quiz “mission,” earning points and badges as they move through the game’s levels. The missions aren’t just created by marketers — they’re designed by financial experts and teachers to follow US K–12 Personal Finance Education National Standards.

Typically, kids’ banking platforms turn out articles without using many visuals. And while some competitors like Step cater to teens, few include lessons for younger kids the way GoHenry does.

Parental controls

Parents get automated allowance and chore-funding features offered by similar kids banking apps in the US. Kids get paid for chores weekly, giving them time to complete their list and get rewarded for the chores they finished.

Yet GoHenry dials in parental controls by giving the ability to set limits by the day, week and month. Then, parents can toggle on the limits for in-store or online purchases and ATM withdrawals. It’s one of the only US kids’ banking apps that grants such tight parental controls, with Greenlight as its rival offering store- and category-level controls.

Plus, a second parent can be added to GoHenry accounts to get notifications and manage chore lists. Every kids’ app is different in this area. Some don’t allow you to add another parent, while others let you customize different controls for each parent.

Design

This is one of the only kids’ cards that offers customizable designs. Kids can choose from over 45 card designs, letting them customize their name and favorite picture or pattern. Only Greenlight rivals this level of customizing.

In addition to its cards, the app doesn’t hold back on using bold colour, avatars, icons and progress bars for an eye-catching look. It keeps tools simplistic with bite-sized financial lessons and suggested goals for savings, helping kids use the app with ease.

Where GoHenry falls short

GoHenry’s pricing structure is its biggest downfall. It starts out at $4.99 USD per month for one child, which is comparable to other US kids’ debit cards. But it costs $9.98 USD a month to move to the family plan, which includes cards for up to 4 kids. Other competitors grant 4 to 5 cards on their standard plans for around $5 USD a month.

Secondary parents added to an account can’t send money, a problem if their child needs money and the main parent can’t be reached.

GoHenry’s customer experience

Most customers have a 5-star experience with GoHenry based on app and user reviews. Happy customers like the wealth of features the app offers, and they’re thrilled to see their kids successfully learning about finances.

Yet multiple people have said that they deal with glitches like the app not paying allowance, especially with the Android app which may be contributing to the lower customer rating there.

A few customers mention the requirement of setting up a weekly automatic allowance. However, our staff verified with customer support that parents can set the allowance to $0 USD if they don’t want to use the automated allowance.

How to contact customer support

GoHenry customer service can be contacted by phone 7 days a week from 9:00 am to 5:00 pm (EST). Account holders can also reach GoHenry via email, letter mail or by reaching out to the company on Twitter, Facebook, Instagram or YouTube.

Is GoHenry safe?

GoHenry takes care to spell out exactly how it protects personal information using secure servers and encryption for payments. While it doesn’t sell your information, GoHenry shares necessary details with business partners or service providers like analytics sites to offer and improve its features.

Its privacy policy explains that personal information collected from children under 13 is used solely by GoHenry for internal purposes and is not sold or distributed to third parties other than as laid out in its privacy policy.

Kids’ funds are insured by the US Federal Deposit Insurance Corporation (FDIC) up to $250,000 USD through Community Federal Savings Bank.

GoHenry’s ATM network and fees

Children can withdraw cash from any ATM, though they’ll pay $1.50 USD fee for domestic and international ATMs. They may also pay an ATM owner fee on top of GoHenry’s fee. However, kids can’t make a balance inquiry via an ATM.

For international transactions, GoHenry doesn’t charge a foreign transaction fee. The GoHenry card should be accepted anywhere Mastercard is accepted. But, as with most cards, the following countries are blocked from transactions:

How to get started with a GoHenry card

Here’s how to set up, pay and manage a GoHenry account after receiving a card:

• Download the app. Get the mobile app for Android or iOS to get account access.
• Share access. Add a spouse or another guardian as a co-manager on the account.
• Establish a weekly allowance. Set up a weekly allowance or tasks with an attached value to get funds sent to the card automatically from the primary account.
• Set spending limits and goals. Establish savings goals, weekly limits and one-time exemptions as needed by visiting the Rules section of the parent account.
• Activate your child’s debit card. Activate the GoHenry card on the app to receive the child’s username, password and PIN.
• Keep the monthly fee in mind. If there aren’t enough funds in the primary account to cover the monthly fee, GoHenry will pull from the attached debit card.
• Contact support. Use the FAQ on the GoHenry website or talk to live support via phone, email or live chat weekly from 9am to 5pm EST.

GoHenry Canada FAQs

• Is GoHenry available in Canada?

  No, GoHenry Canada doesn't yet exist here and we don't yet know when GoHenry plans to launch in Canada, but there are some kids financial apps such as the RBC Mydoh app and Walo.

• What is GoHenry and how does it work?

  GoHenry is a debit card and spending app in the US and UK that teaches kids about financial literacy using games and quizzes designed by educators. With GoHenry, kids can watch videos, complete interactive lessons, quizzes and "Money Missions" to earn rewards. Content is currently created by financial professionals and teachers following US educational guidelines. Kids can use the GoHenry debit card for purchases, with funds transfered by parents, who can also control where and how much kids spend their money.

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