gohenry alternatives: A list of prepaid cards for kids

Don’t think gohenry is quite what you’re looking for? Here are some other money services for children that might be right for you.

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What is gohenry?

Founded in 2012, gohenry is a financial tool for children aged 6 to 18, that comes with advanced parental controls.

If gohenry isn’t quite what you’re after, this guide takes a look at some similar alternatives out there in the UK market:

RoosterMoney

RoosterMoney has a big emphasis on keeping track of pocket money – and the chores that kids do to earn it.

RoosterMoney comes in two parts. The first is an app, designed for children as young as four, to earn stars for small jobs they’ve done or things they’ve achieved. They can then see these stars add up and turn into rewards, such as their weekly pocket money – but you’ll have to hand over the physical cash at this stage, if you’re just using the app to track stars and teach good habits.

If you want the banking-style element of RoosterMoney you’ll need to order its prepaid card, which comes with the usual parental account and spending control features. This payment card links up with the app, although your child has to be eight years old to use the card.

Fees for using RoosterMoney vary from a free basic version of the app to a full subscription complete with a prepaid card and no spending or ATM fees, costing £24.99 a year.

To view the specific features and fee plans on offer, visit our RoosterMoney review page.

RoosterMoney Card

£24.99/yr

Monthly fee

£0

Card delivery fee

£0

Cash withdrawal fee

RoosterMoney has a big emphasis on keeping track of pocket money – and the chores that kids do to earn it. RoosterMoney comes in two parts. The first is a free app, designed for children as young as four, to earn stars for small jobs they’ve done or things they’ve achieved. They can then see these stars add up and turn into rewards, such as their weekly pocket money, which parents will need to hand over in cash. The second part of RoosterMoney (which involves a yearly subscription) will let you order a prepaid card for children aged eight and over. Parents can then load it with money, and set controls in the app on where that pocket money is spent using the card.
  • Great educational value; a slick app with lots of features to personalise the way you teach your children about finance.
  • Children as young as four years old can use it (eight for the card).
  • Total control over where your children use the card and how much they can spend.
  • Safe and secure. The card can be frozen from the app.
  • No fees for using the card (including abroad).
  • One-month free trial.
  • Annual fee to access the full range of features.
  • You cannot top up the account using cash.
  • No interest paid on the account balance.
Monthly fee £24.99/yr
Card delivery fee Free
Card transaction fee Free
Cash withdrawal fee Free
Loading fee Free for up to 3 per day and 10 per calendar month
Replacement card fee
Network VISA

Revolut Junior

That’s right, ever-popular challenger brand Revolut operates a bank account for kids as well as us adults. Called Revolut Junior, it’s aimed at children aged from 7 to 17.

Like gohenry, Revolut Junior comes with a mobile app and a physical payment card. The parent also tops up the money held in the child’s account and can set controls on how much is spent and where.

The big plus of Revolut Junior is that there’s no monthly fee or any charges to top up the child’s account – but the big catch is that as a parent you already have to be a Revolut account holder in order to open the Junior version.

Although Revolut Junior is free to set up, other transaction fees apply, and will mirror those of whatever type of Revolut account the parent has (e.g. Standard, Premium or Metal).

The exception to this is around the Junior card. While spending online or in-store is free, ATM withdrawals are only free for the first £40 taken out each month. After that, a 2% fee applies across the board.

nimbl

Another financial service aiming to help parents show their children how to save, budget and be organised with their money is nimbl.

It follows the familiar structure of a financial app linked to a prepaid card, involving a parental account linked to a child’s account. Children as young as eight years old can use the account, and the associated payment card is a prepaid debit Mastercard.

A parent can see what their child is spending by receiving real-time notifications of card transactions through the app, and like with many similar digital providers, they are able to block certain merchants altogether.

With nimbl, the monthly fee is £2.49 for each child account, but purchases, top ups and ATM withdrawals are all free, which is one of the few obvious differences between nimbl and gohenry.

For a full run-down of nimbl and how to use it, check out our in-depth nimbl review.

Osper

Osper also bears a close resemblance to gohenry, so it could be the alternative you’re looking for.

It comes with all of the features you’d expect from this type of money management app aimed at families. There’s the linked parent and child accounts, a digital app, a prepaid Mastercard, spending controls and text alerts for any declined transactions.

Like with most of the providers we’ve mentioned here, with Osper, parents can top up their kid’s funds, get an oversight of what they’ve spent the money on, freeze the payment card if it gets mislaid, and be assured that there’s no possibility of the child’s account going overdrawn.

Aimed at 8 to 18 year olds, Osper is free for the first month, but it will cost parents £2.50 per child, per month after that.

Discover more about what’s on offer in our Osper review.

Compare debit cards for kids

Data indicated here is updated regularly
Name Product Network Monthly fee Card fee Transaction fee UK ATM fee Loading fee
123 Mini Current Account
123 Mini Current Account
Mastercard
Free
Free
Free
Free
Free
GoHenry - with free custom card and one month free
VISA
£2.99
Free customised card
Free
Free
50p (one free top-up per month)
GoHenry - with two months free
VISA
£2.99
Free
Free
Free
50p (one free top-up per month)
RoosterMoney Card
VISA
£24.99/yr
Free
Free
Free
Free for up to 3 per day and 10 per calendar month
loading

Compare up to 4 providers

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