UK Kids and Teen Bank Cards

kids bank card

There are many excellent kids and teen bank accounts and cards on the UK market nowadays. And we have found the best ones! See all that they have to offer and choose the one that will suit your needs. 

  • GoHenry
  • Starling Kite
  • Starling Teen
  • Monzo for 16-17-year-olds
  • Revolut Junior
  • Rooster Card
  • Osper

Why get a kids account or card?

Apart from teaching kids lessons about money, debit cards, banks, and financials in general work, kids or teen cards give you control and convenience. They help you track their spending. 

Most accounts have some kind of saving and budgeting tool that will help them understand where their money is going and how to save some of it for future purchases. If you want to incentivise them by incorporating weekly chores, you certainly can and should. 

If you’re sick of scrambling for loose change, there’s never been a wider choice of prepaid cards and bank accounts on the market. Check your current provider to see if you already have the option to open kids or teen account. It might even be free!

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teen and kids bank cards uk

How they work

After you open an account in a matter of minutes, you set up automatic weekly pocket money. The alternative is a one-off transfer, and the rest they can earn by completing tasks. 

You can also choose where the card can be used (in-store, online or at the ATM), as well as being able to block and unblock it whenever you need to. Additionally, set up one-off limits, weekly spending limits, and ATM limits.

You can set your child up with financial skill in your parent account by assigning them tasks, savings goals, and other features. The parent account is your control centre for kids’ accounts, and it’s where you fund their cards from.

Let’s see what are the best kids and teen bank cards in the UK.

Best Kids And Teen Bank Cards In The UK


gohenry card
  • £2.99 per month
  • Prepay Visa or Mastercard
  • Personalised card
  • Easy to sign up and top-up
  • Free trial
  • Tasks and savings goals

Launched in 2012, gohenry is an app and a top-up card that got its name after their first customer – an 11-year old boy named Henry. 

The London-based company even broke a world record when they raised just shy of £4m on Crowdcube. The hard work clearly paid off as gohenry now has more than 1.5 million customers in the UK and in the USA.

Gohenry is easy to set up and offers excellent features for both parents and their kids. It lets you set up the weekly allowance, set spending limits, control where the card can be used, and set up tasks that can earn your kids extra money. They even offer a one-month free trial to test the waters before you commit. 

For only £2.99 per month, your child gets a free Visa card that arrives in a week. If they or you want to customise gohenry’s new eco card, it will cost you an additional £4.99, a one-off payment. It’s worth mentioning that the monthly fee is paid by you: your child’s pocket money will never be touched.

The app is rated 4.0 out of 5 based on 4k+ reviews on Trustpilot. 

Useful features

If you want to know when and where your child is spending their money, turn on real-time notifications. Kids can also spend and withdraw money overseas for free, and this can help your kids learn about foreign currencies and exchange rates.

If you want to find out more, read our full gohenry review

Starling Kite

starling kite card
  • Ages 6-16
  • £2 per month per debit card issued
  • Instant payment notifications
  • Instant card locking
  • Top up the card with or set up regular transfers from your account
  • Monthly spending breakdowns and saving goals
  • Set daily, weekly, or monthly spending limits
  • Set where they can use it; in shops, online, or at ATMs

To get Starling’s kids account called Kite, you have to have an adult account as well. The good news is – it’s free. The kid’s account will cost you, but only 2 quid per month per child, which is a fair price. 

For that price, your child will get a debit card that you can lock instantly if it’s lost or stolen. There are also no fees for transfers or ATM withdrawals, and you can send them money wherever they are. If there ever was a benefit over cash, this is it.

If you and your partner have a joint account, you’ll both get instant notification regarding spending, and you can see their spending history, plus set spending limits for specific types of transactions. 

Regarding spending and using money, you can specify where the funds can be used – shops, ATMs, or online. Use the tools in your app to start conversations about money by revealing to them where their money goes and how saving works.

You can easily set up regular transfers to your kid’s account or just make one-off payments. The account has a limit of £5,000, so your child has plenty of space to grow their savings.  

How to set up Kite

We already mentioned that you’ll need a personal or a joint Starling account. To set up a child Space:

  • go to the ‘Spaces’ section of the app, 
  • Choose to set up a ‘New Space’ 
  • Tap on Child Space
  • Enter the legal name of your child and their date of birth

All the funds are FSCS protected up to £85,000. Read our full Starling review here

Starling Teen

starling bank card
  • Ages 16 and 17
  • No monthly fees
  • You can apply in minutes, on your own
  • Earn 0.05% AER on balances up to £85,000
  • Apple Pay, Google Pay, or Samsung Pay compatible
  • Instant payment notifications
  • Spending insights
  • Instant card locking

Teenagers aged 16 and 17 can apply in minutes for their Starling Teen Account with their passports. They’ll get both the app and the recycled plastic Mastercard. Kids younger than 16 can apply for the Starling Kite Account.

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Teen accounts have almost all the features of adult accounts like the 0.05% interest rate, instant notifications, and security features.

Once the Teen Account holder reaches 18, he or she can apply for an adult Personal Account, and all the info and money will get transferred.

How to apply

To start your application, download the Starling app from Apple’s App Store or Google Play Store.

You’ll need a valid government-issued photo ID and make a video selfie. Once your account’s been verified, you’ll receive a notification.

Useful Features

Because the teen account is nearly identical to the full account, you’ll get all the features that we’ve come to love about Starling. After all, it won the Best British Bank award in the British Bank Awards three years in a row (2018, 2019 and 2020).

Starling Goals or Saving Spaces make it easy to save up money for what’s important to you. It can be a holiday, car, house, or something else that you want to save money for.

Monzo for 16-17-year-olds

monzo card
  • Ages 16 and 17
  • You can apply in minutes, on your own
  • Contactless debit card
  • Full UK current account
  • Direct Debits
  • Set budgets
  • Split bills
  • Use your card for free anywhere in the world

Monzo offers a free personal account for 16 and 17-year olds that is a full-fledged banking account minus two things – no overdrafts and no spending for something that only 18+ can buy or use, like gambling. 

You’re getting a full UK current account with an account number and sort code, so you can send and receive money. There are also budgeting features that can help you stay within your budget by sending you instant notifications when you spend, and they’ll tell you if it looks like you’re spending too fast.

You can use these Pots for anything you’d like. Save up for holidays, car, or anything in between. Stay in control by keeping money for essential things separate from the rest of your balance.

If you’re saving, set yourself a goal to stay on track. You can even hide or lock pots in case you’re tempted to put your hand in the cookie jar.

For teens that like to go out with their friends, there’s an option to split bills easily without the need for a calculator. 

It’s also easy to take your Monzo card abroad and spend without fees worldwide. Banks usually block the card when you pay with it abroad unless you notify them in advance. Not Monzo. They’ll even send you tips and a summary report when you get home. 

To open a Monzo teen account, you just need your phone and some photo ID (like a passport or provisional driving licence). There are no waiting two weeks for an appointment and no queuing in the branch.

Useful features

It’s easy to save money with Monzo if you enable the round-up feature. When you spend money, all the pennies will go into a pot. If you have bills (phone bill, for example), set Direct Debits and standing orders to be paid directly from a Pot.

Your eligible deposits are protected by the FSCS up to £85,000, and you can send money to any UK bank for free. More than 5 million customers have a Monzo account. It’s kind of a big thing already. Anyway, it’s free, has some fantastic features, and is easy to understand and use.

For more information, read our full Monzo review

Revolut Junior

revolut junior card
  • For ages 6+
  • Need to have an adult account
  • 1 kid for free, 2 for £2.99/m, 5 kids for £12.99/m
  • Free account without extra features
  • Instant alerts
  • Analytics and budgeting

Revolut offers from one to five Junior accounts to their customers depending on their plan. You have to have a Revolut account already to open a Junior account.

It’s great for teaching kids money skills and habits for life. You can control all aspects of spending and usage from your app and then give your kids their Junior card or even a dedicated app. It’s for kids that are older than 6 years. 

How to set up

To set up a Junior account:

  • Open your Dashboard in the app and tap on ‘Junior accounts’
  • Fill out the information for the child or teen who’ll be using the account
  • Order a Revolut Junior card for them
  • Add money to their Revolut Junior card from your account

Junior account has all the things that we’ve come to expect, not only from kids accounts but also from adult ones. There are instant spending notifications, so you know exactly what your child is spending money on. 

You can control if the card can be used in-store, online or to withdraw money from an ATM. The free account is somewhat limited but still valuable. You’ll want a paid account to set motivating chores for your kids and reward them when they’ve completed or to digitise their piggy bank.

As a parent, you can create a Goal for your kid with or without a target value, and you can watch their progress as they save. It’s great for teaching them healthy money habits.

There’s a dedicated Junior app for kids, but you can also order them a colourful card that has numbers on the back. They can use the card even if they don’t have a smartphone. It can also be used abroad.

Revolut Junior accounts can only hold one currency. It will be the base currency of your Revolut account when you created the Revolut Junior account.

To keep kids safe, some merchants are blocked, and kids want be able to make transactions with them — for example, merchants who only sell alcohol, cigarettes and gambling products. There are some caveats, though. 

You see, Revolut blocks merchants based on their registered business type. That means that Revolut Junior Cards are not restricted from, for example, buying alcohol at a supermarket because a supermarket wouldn’t be blocked. 

All in all, Revolut Junior accounts are worth getting, especially if you already have a Revolut account. 

For more info about Revolut, read our full review

Rooster Card

rooster card
  • For ages 3+
  • 1-month free trial
  • £24.99 per year
  • Chore management system
  • Prepaid Visa debit card for kids
  • Educational content & resources
  • Star & reward chart
  • Flexible card controls for parents

RoosterMoney was launched in 2016 and is now available in over 50 currencies. It has three tiers:

  • Virtual Tracker (free)
  • Rooster Plus (£14.99/y)
  • Rooster Card (£24.99/y)

If you have a 3-year-old at home, start with the free Virtual Tracker. It’s a star or reward chart to help reinforce positive behaviours from a young age. You get to track tasks and behaviours with stars that kids can trade in for rewards. 

When you’re ready to track chores, you can upgrade to Rooster Plus, incentivising saving and earning by tying kids’ pocket money to chores. You can even set up an interest rate on their Save pot and reward them for the money they set aside.

The next step towards independent money management for your kids is the Rooster Card. The card is intended for kids older than 6 years. It might seem a bit pricey at £24.99, but that’s a yearly price, so it’s not too bad. Well, it is if you compare it to some other cards on our list. Also, additional cards are £19.99/y. 

Parents and guardians do have complete control over cards. You can:

  • Set flexible spending limits: Daily, Weekly or Monthly
  • Decide where it can be used: in stores, online or at ATMs
  • Instant top-ups (so they’re never caught short) 
  • Real-time notifications on when & where they spend

You have all the features of the Plus account like chores, goals, statements, unlimited guardians, and more.

Rooster Money is a good choice for your kids because it grows as they grow. 


  • 8-18 years old
  • 1st month free
  • Free standard Osper card
  • £2.50 per card per month
  • Nickelodeon-branded card designs
  • Saving options

Last but not least on our kids’ bank cards list is Osper. The Osper app and card are similarly priced to others on our list – £2.50 per month. Both kids and parents get their dedicated app. 

The parent app lets you load money on the card, set an allowance, oversee spending, and other things like setting limits and card control.

When your child logs into the Osper app, they can set up a regular monthly saving based on a percentage of their allowance and choose to save for a specific goal or just save for a rainy day. 

When you first sign up, you get a free Osper card which will arrive in 5-7 days. When it comes, activate the card in the mobile app, and try Osper free with your family for 30 days. You can, of course, cancel at any time if you aren’t happy. 

What happens when my child turns 18?

This depends on the bank or money institution. Some digital banks will let your kids enrol in the adult account, or they’ll be automatically converted. Some prepaid cards can be used without disruption but the limitations that kids have will stay.

Card limits

Most kids bank cards don’t come with account numbers or sort codes. That means that they can’t send money to someone or receive it from third parties, except parents or guardians, of course. 

Cards also come with limits on what you can purchase with them. For example, cards can’t be used in alcohol-serving establishments such as pubs and off-licenses. The same goes for betting shops and websites, as well as other age-inappropriate transactions. 

Other limits include ATM withdrawing and spending limits. You can control the card by choosing to enable or disable swipe payments, contactless payments, online transactions and ATM withdrawals. And setting maximum amounts that they can spend.

Are there any downsides?

I don’t think there are any downsides with kids bank accounts as long as you choose wisely. Some cards will charge an arm and a leg to withdraw cash from an ATM, and others will have fees when used abroad. 

Even if you choose a bank account with such fees, it’s a great teaching lesson on how banks function (and rip off people). 

Digital banks give you complete control through a parent app, so you’re never in the dark about your kids’ spending habits. If they get out of control, lock the card or block a merchant that’s getting too much (of your) money from kids. 

The bottom line

If you’re looking to get a bank card for your kid or teen, it’s wise to check if your current bank account already supports adding a family member to it. You might even add them for free, and there’s no need to download another app to control the kid’s account and card. 

In any case, it’s wise to get children thinking about money and teaching them healthy money habits from an early age. I only wish my parents did it for me; I’d be in much better shape by now 🙂

You really can’t go wrong with any kids bank card from our list. It’s mostly personal preference at this point as they all offer similar features. 

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As a Current mobile banking app affiliate, I earn from qualifying purchases.
topmobilebanks logo

Current: The Future of Banking

As a Current mobile banking app affiliate, I earn from qualifying purchases.