Gohenry debit card review

A standard prepaid card for kids with an expensive $3.99 fee per child.

finder.com’s rating: 4.3 / 5.0

★★★★★

The Gohenry debit card has standard features that help teach your child how to manage money while giving you access and control on their allowance and spending. But you can’t add your spouse as a secondary user and there’s an unavoidable $3.99 monthly fee per child — unlike other cards that have a flat fee for the whole family.

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$3.99

Monthly maintenance fee

$0

Signature transaction fee

$0

PIN transaction fee

Details

Card typeDebit
Card networkMastercard
Monthly fee$3.99
Signature transaction fee$0
PIN transaction fee$0

Review by


Rhys Subitch is the loans editor at Finder, guiding Americans toward smart borrowing decisions. With over half a decade of experience researching, editing and writing for a Fortune 500 company, university and several independent publications, Rhys brings readers the most up-to-date and curated info in the lending sphere. They make frequent appearances on Finder's YouTube channel to talk through loan topics that range from the very basics to the latest government assistance programs. Before specializing in lending, Rhys was a personal finance writer for Finder’s credit cards, insurance, banking and mortgage verticals. They hold a BA in sociology and a certificate in editing from the University of Washington, Seattle.

Expert review

Spending controls and a free trial make Gohenry a decent option if you’re looking to help teach your child financial responsibility. Its features are fairly standard among debit cards geared towards kids, but it’s a solid product overall.

Where it falls short is in its funding options and pricing. Other debit cards offer a monthly price for an entire family or a yearly price per card, but Gohenry‘s monthly fee per card can quickly add up if you want more than one account. Funding through the debit card is also currently the only option for getting money to the account, which may not be as convenient as using a credit card.

How do I open a Gohenry account?

Sign up for a Gohenry debit card in five simple steps:

  1. Click Apply now.
  2. From the Gohenry website, click Sign up.
  3. Fill out your personal and contact information and create a password, then select Continue.
  4. Add your child’s information and add more if you need to, then click Continue.
  5. Complete the form with your Social Security number, date of birth and address and select Confirm and order cards.

Eligibility

To sign up for Gohenry, primary account holders must meet the following criteria:

  • At least 18 years old
  • US citizen or legal resident
  • Subaccounts are for children from ages six to 18

Required information

To sign up for an account you’ll need to provide the following:

  • First and last name
  • Email address and mobile number
  • Date of birth and Social Security number
  • Child’s first and last name and date of birth

Funding options

You can only fund your parent account by attaching a debit card. You can transfer funds to your child’s account automatically each week and as one-off transfers.

How long will it take to get my card?

Your child’s card will arrive in seven business days, but you can start loading funds to your account immediately. Visit the website or use the mobile app to connect your debit card and get started.

What you’ll like about the Gohenry card

Like other debit cards, Gohenry comes with the ability to track spending, set automatic payments and receive notifications through an app. Other benefits include:

  • Free trial. Access all of Gohenry’s features without paying the monthly fee the first month. Starting the second month, the membership fee is withdrawn from the parent account or attached debit card.
  • Spending limits. Control where your child can spend their money and how much.
  • No overdrafts. Transactions that are more than your child’s balance are automatically declined, so you don’t have to worry about overdraft fees.
  • Custom tasks. Set up weekly or one-off chores that either you or your child can mark as complete. Each task can have its own payout amount.

What to watch out for

Consider the following before you sign up for a Gohenry debit card:

  • Monthly fee. After the first month it costs $3.99 a month per account.
  • Debit loads only. You can only fund your account with a connected debit card.
  • Limited child accounts per parent. One parent account can have up to four subaccounts. If you have a large family, you’ll have to open more than one primary account and you can’t manage them all from one place.
  • Few options for divorced parents. Gohenry doesn’t support more than one parent account per child, which isn’t ideal for divorced parents. However, there is a “giftlinks” feature where the other parent can send up to $350 a month to the kid’s account for free. They just won’t have access to the actual app.
  • No secondary users. You can’t add a second user to your primary account, which means if you want to share the responsibility with your spouse you’ll have to share login information.
  • Maximum daily load amount. You’re limited to $500 a day when loading funds to subaccounts. You’ll need to strategically plan any big payouts, especially if they’re across several cards.
  • Limited loads per day. Loads are limited to three a day, so you may want to plan ahead if your child is out and may need more than one top-off.
  • Must call to cancel. After your child turns 18, they can continue using the Gohenry card until it expires, but you must contact customer support to cancel the account and avoid additional membership fees.

Before you sign up, you can compare debit cards for kids by using our guide to find the best fit for your family.

Compare Gohenry with other debit cards for kids

Gohenry isn’t the only debit card designed for kids, and it’s certainly not your only prepaid option. Compare these other providers to get the best card for your family.
Name Product Annual or monthly fee Age requirements Features
Gohenry
Finder Rating: 4.3 / 5: ★★★★★
Gohenry
$3.99 per month
6 to 18 years old
  • Free trial
  • Custom tasks
  • Spending limits
Teach your kids to save with a reloadable card you control, but you pay $3.99 a month.
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.
Greenlight
Finder Rating: 4.4 / 5: ★★★★★
Greenlight
$4.99 per month
Any age
  • Parental controls
  • Real-time transfers
  • Parent-paid interest
Greenlight is the prepaid debit card for kids that parents manage from their phones with flexible parental controls.
BusyKid
Finder Rating: 4.8 / 5: ★★★★★
BusyKid
$1.67 per month ($19.99 annually) includes free card; $0.67 per month ($7.99 annually) for additional cards
Any age
  • Low fee
  • Investing
  • Parent-paid interest
  • Donation options
The BusyKid Visa® Prepaid Spend Card gives your kids the freedom to spend anywhere Visa® is accepted, and parents see every transaction made.
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Compare up to 4 providers

How do Gohenry‘s fees compare to the competition?

Here’s how Gohenry‘s fees and limits compare to other leading prepaid cards for kids.

Gohenry‘s fee and limitsAmountHow it compares to other kids’ cards
Monthly membership fee$3.99 per subaccountAbove average
ATM withdrawal$1.50Above average
Card purchase (customized)$4.99Average
Card replacement (same design)No feeLower
Card replacement (different design)$4.99Average
Maximum balance across all cards$6,000Below average
Minimum load per transaction$2.00Average
Maximum load per transaction$500Average
Value of purchases allowed per day$2,500Average
Value of ATM withdrawals allowed per day$120Below average

I got my Gohenry card. Now what?

Once your child has their card in hand, set up, pay and manage your account:

  • Download the app. Get the mobile app for Android or iOS and start managing your account.
  • Establish a weekly allowance. Set up a weekly allowance or tasks with an attached value to get funds sent to your child’s card automatically from your primary account.
  • Set spending limits and goals. Establish savings goals, weekly limits and one-time exemptions as needed by visiting the Rules section of your parent account.
  • Keep the monthly fee in mind. If there aren’t enough funds in your 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 9 a.m. to 5 p.m. ET.

Gohenry reviews and complaints

Gohenry is not accredited by the Better Business Bureau (BBB), which gives it a B- rating based on 12 complaints in the past three years. There are also two customer reviews for Gohenry on the BBB’s website, and each review rates the company with one out of five possible stars.

On Trustpilot, Gohenry has more than 1,350 reviews with an average rating of 4 out of 5 stars. Many positive reviews mention the wealth of features the card and app offer, while the negative reviews commonly cite poor experiences with the company’s customer service.

How to contact Gohenry customer support

If you have questions about Gohenry or your account, you can contact a representative in the following ways.

  • Call 1-877-372-6466 between 9 a.m. and 5 p.m. ET seven days a week.
  • Visit Gohenry‘s website to chat with a representative seven days a week from 9 a.m. to 5 p.m. ET.
  • Send an email to help@gohenrycard.com.
  • Connect with Gohenry on Twitter, Facebook, Instagram and YouTube.
  • Send mail to 54 W 40th St, New York, NY 10018.

Frequently asked questions

Can I get a custom card for my kid?
Yes. You can order custom cards at $4.99 after you open an account. You can cover the cost through your account or your child’s account.

Can a Gohenry card be used internationally?
Yes. Your child can use their card abroad in many countries around the world. However, transactions in foreign currencies come with a 2.75% fee, and international ATM withdrawals have an additional $2 fee.

How much does it cost to replace a lost or stolen card?
Replacement cards with the default design are free and take up to seven business days to arrive. Replacement cards with a custom design are $4.99.

Will my child also have an online account?
Yes. When your child gets their Gohenry debit card you’ll need to activate the card using your account. Once it’s activated, you’ll receive your child’s username and password along with their PIN.

Kids’ debit card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top debit cards for kids and rate them one to five stars based on factors that are most important to you. We rate kids’ checking accounts by these factors: Monthly fee, features, ATM access, customer support options, and availability. We also consider APY as a factor only for those that earn interest. We rate prepaid debit cards for kids by these factors: monthly fees, features, customer support options and account availability.

Read the full methodology of how we rate Kids’ debit card accounts.

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