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The best free debit cards for kids for 2021

Compare free kids debit cards that can teach your child healthy financial habits.

Best for teens: Copper

  • Financial quizzes
  • Automated savings
  • Instant transfers
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Compare debit cards for kids

Use this table to compare popular debit cards for kids. Sort the list by monthly fee, ATM withdrawal and features to find the best one for you.

Name Product Annual or monthly fee Age requirements Features
Chase First Banking℠
Finder Rating: 4.3 / 5: ★★★★★
Chase First Banking℠
$0 per month
Any age
  • Real-time requests
  • Flexible parental controls
  • Supports chores and allowances
A debit card for teens and kids with a set of digital tools to help them learn good money habits in the Chase Mobile app. Requires parent to have or open a Chase checking account.
Copper
Finder Rating: 4 / 5: ★★★★★
Copper
$0 per month
13+
  • Financial quizzes
  • Automated savings
  • Instant transfers
Copper is a digital checking account that teaches your teen healthy money habits through interactive quizzes and an intuitive mobile app.
Jassby
Finder Rating: 4.2 / 5: ★★★★★
Jassby
$0 per month
7 to 17 years old
  • Parental controls
  • In-app mall
Jassby is a virtual debit card for kids, complete with chores and allowance tracking.
Revolut Junior
Revolut Junior
$0 per month
12 to 17 years old
  • Built-in safety
  • Parental controls
  • Parents-paid bonuses
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Free best debit cards for kids

We researched over 35 debit cards for kids to bring you the top free best kids debit cards in 2021 to help you find a card that works for you and your kids.

Best for financial literacy for no fee

Chase First Banking℠

Finder rating 4.3 / 5 ★★★★★

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on Chase's secure site
Chase First Banking stands out as its one of the only checking accounts for kids that comes with chores and allowance features and allows kids as young as 6 to get the account. Most checking accounts require kids to be at least 13 to 17 years old. Plus, because this account is powered by Greenlight, you will get some of the basic features from Greenlight but with no monthly fee requirement. But parents will need to be Chase customers to open this kids account. If you dont currently bank with Chase, you can open an account like Chase Total Checking to get started.

Best for teens

Copper

Finder rating 4 / 5 ★★★★★

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on Copper's secure site
The Copper debit card for teens is linked to a full-fledged checking account. Copper is free to use and there are no ATM fees or overdraft charges. And although it doesn't have an integrated chores feature like many other debit cards for kids, parents can set up recurring transfers that instantly deposit cash into their kids' accounts. Plus, the mobile app includes interactive quizzes, articles and other resources to enrich your teen's financial literacy.

Best for no monthly fee

Jassby

Finder rating 4.2 / 5 ★★★★★

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on Jassby's secure site
The Jassby virtual debit card stands out for its no monthly fee and intuitive money-management app. It's also a great option for kids who don't need a physical debit card. There used to be a monthly fee and free six-month trial, but these were done away with after Jassby became a free virtual debit card. Your kid also gets access to the Jassby Mall, which is an in-app marketplace that includes more than 20,000 products from retailers including Apple, Starbucks and Nintendo.

How to choose the best debit card for my kid

Compare the following features when shopping around for a debit card for your child:

  • Check the fees. The costs can vary between cards and banks. Most prepaid cards will have either a monthly or yearly fee.
  • Spending limits. Look for cards that let you cap daily spending and set limits for ATM withdrawals or at specific stores.
  • Shopping online. Consider whether being able to buy online is a benefit or a downside, and opt for a kids’ debit card that can restrict or block online spending if needed.

Common features of a kids’ debit card

There are six common features to consider when looking for a debit card for your kid:

  • Chores and allowances. Many debit cards for kids offer a way to track and pay your kids for chores that they complete. You also have the option to pay allowances.
  • Like a regular debit card. Your kid can use their prepaid debit card to make purchases online and in person, generally anywhere Mastercard or Visa is accepted.
  • Spending controls. Many children’s debit cards come with spending control limits that parents can set within their mobile banking app to restrict how much their child can spend.
  • Card lock. Parents can also lock the debit card online or via an app.
  • Choose how your child can spend. Parents can choose if the card can be used at ATMS, online or for in-store purchases.
  • Spending tracking tools. Many mobile banking apps offer spending tracking tools and features to help your child learn how to manage their money.

How do debit cards for kids work?

Most debit cards for kids are prepaid cards. You can load money onto them from an app using your checking account. Then, your kid can use them to shop online and in-store just as they would a normal debit card. The major difference is that your kid typically can’t overdraft with a prepaid debit card as they could a regular debit card.

A lot of these cards come with extra features, like the ability to see how your child spends their money or pay them for doing chores.

At what age can my child get a debit card?

Prepaid cards are available for kids as young as five. But debit cards linked to traditional checking accounts usually require your child to be at least 13.

You can help your child transition to a prepaid debit card for teens once they turn 13, or you can help them open a checking account for teens if they’ve outgrown the prepaid card.

Are debit cards for kids safe?

Yes, debit cards for kids are generally safe because of two main features. First, they’re FDIC-insured so you’re guaranteed to get your money back if the bank fails. Secondly, most debit cards for kids are COPPA-compliant, meaning they never sell or collect your child’s personal information, including their name, address, Social Security numbers, and even their geolocation and images.

Is my child ready for a debit card for kids?

Your child may be ready for a kids debit card if they often ask to borrow cash or have started earning money on their own — whether through an allowance or a paid job. A debit card like Greenlight can help them master the art of spending, saving and investing wisely.

If your child isn’t ready to handle real money just yet, consider a simulated bank account like Bankaroo or RoosterMoney. These apps use virtual money to help young children learn how to spend and save until they’re ready to upgrade to a real debit card for kids.

How can I get a kids debit card?

You can open most debit cards for kids online. But keep in mind that if you decide to open a kids checking account as opposed to a prepaid card, you’ll need to open it as a joint account between a minor and an adult.

What are the pros and cons of a debit card for kids?

Before you get a debit card for your kid, consider these features and drawbacks:

Pros

  • Control. Keep track of your child’s spending online and cap the daily limit as you see fit.
  • Security. You can monitor your child’s spending in the mobile banking app to see where they’re going.
  • Safety. Because you can quickly and easily lock the debit card if it’s misplaced, debit cards are often safer than carrying cash.
  • Good practice. Using a debit card will teach your child how money works digitally.

Cons

  • Not a checking account. The majority of debit cards for kids are prepaid cards, and not actual checking accounts.
  • Not good for large purchases. Accounts for children generally have much lower debit card spending limits than adult accounts.
  • Other fees. They may rack up fees for using out-of-network ATMs or overdrawing their account.
  • No interest. These types of accounts usually don’t pay interest.
  • Age limits. Each card or bank can set its own age limit.

13 debit cards for kids

Here’s a quick overview of the top debit cards available for kids:

Card nameFeatures
GohenryA basic card with chore and allowance tracking. But be prepared to pay $3.99 a month for each child — unlike other platforms that charge a flat fee for the entire family.
Chase First BankingIt’s technically a kids checking account, but it’s powered by Greenlight and has all the same features. It’s free for parents with an active Chase Checking account.
CopperA full-fledged checking account tied to a Mastercard debit card and a mobile app that includes interactive quizzes to increase your kid’s financial literacy. The account also includes savings tools, but funds earn virtually no interest.
GreenlightThe most robust debit card for kids, offering savings and investing tools, plus store-level spending controls. Costs $4.99 to $9.98 a month depending on your plan but includes debit cards for up to five children.
BusyKidKids can donate money to charity, invest in stocks or spend with their prepaid debit card. You’ll get one free card and pay $7.99 a year for each additional one.
JassbyA virtual debit card for kids that includes budgeting tools and parental controls. There’s no longer a monthly fee. There used to be a $2.99 fee that you could only avoid when you make one purchase a month, but Jassby has done away with this.
CasholaOffers educational quizzes and savings tools designed for Black and Latinx children. But you’ll pay $1 per transaction, which adds up quickly.
FamZooThe app divides your kid’s money into virtual piggy banks for spending, saving and giving. But there’s an unavoidable $5.99 monthly fee.
KachingaA prepaid Mastercard for teens tied to a chore app that includes features to boost your kid’s financial literacy. Parents can also activate automatic transfers and get real-time notifications about their teen’s purchases.
MazoolaThe only free virtual debit card for kids. It offers basic chore and allowance tracking, spending controls and savings tools. But it’s not available on Android yet.
Purewrist A wearable payment bracelet that comes with a one-time prepaid card or a reloadable option. It costs $25 to activate, but your kid can customize their bracelet color.
Revolut JuniorA free prepaid card with parent-paid bonuses, spending analyzers and task tracking. But adults must have a personal Revolut account to get started.
RoosterMoneyA free allowance app that teaches kids how to earn, spend and save. The debit card option is currently only available in the UK, but the company is looking to expand it to the US soon.

Debit card for kids alternatives

If you’re not set on a prepaid card for your child, here are some other options to consider, depending on their age:

  • Kids savings account. Help your child get a jump start on their future with a kids savings account. Most offer competitive APYs and low fees and minimum deposits. They’re a great option for any age.
  • Kids checking account. Some kids checking accounts such as Chase First Checking have no monthly fees, free ATM access and chore and allowance tracking.
  • Credit cards. You could add your child to your credit card as an authorized user. This could help them build their credit and learn financial responsibility, but beware of the risks that come.

Bottom line

A prepaid debit card for kids can help your child learn how to manage money responsibly — and let you track their spending so you can see if they’re meeting that goal. But while some prepaid cards let kids save money on them, they’re not a replacement for a savings account. Compare savings accounts for kids and prepaid debit cards to create a banking solution that’s right for your family.

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