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Greenlight

Greenlight Greenlight Debit Card for Kids & Teens

The full-featured family money app, if you'll pay for it

8.5
Our Rating
APY
2% savings reward on Core, up to 6% on Family Shield (on up to $5,000 per family)
Monthly Fee
$5.99-$19.98 per family (up to 5 kids), no free tier
Minimum to Open
None
ATM Access
No Greenlight fee at ATMs, but operator surcharges are not reimbursed

Insurance: Card issued by Community Federal Savings Bank, Member FDIC; deposits FDIC insured through the partner bank

Plan Options

Core

$5.99

2% savings reward

  • Debit cards for up to 5 kids with parental spend controls
  • Chores, allowance automation, and savings goals
  • Level Up financial literacy game

Max

$10.98

3% savings reward

  • Kid investing with parental approval on every trade
  • 1% cash back on spending
  • Identity theft, phone, and purchase protection plus priority support

Infinity

$15.98

5% savings reward

  • Everything in Max
  • Family location sharing with SOS alerts and crash detection
  • Driving reports and real-time trip alerts for teen drivers

Family Shield

$19.98

6% savings reward

  • Everything in Infinity
  • Three-bureau credit monitoring, credit lock, and dark web monitoring
  • Up to $100k deceptive transfer fraud coverage and up to $1M identity theft coverage

Features

  • Parental controls down to the store level: set limits per spending category or block merchants
  • Automated allowance tied to chore completion
  • Savings goals with parent-paid interest (the savings reward) on up to $5,000 per family
  • Real-time purchase alerts and instant card lock from the parent app
  • Kid-facing investing (Max and up) where every trade requires parental approval
  • Direct deposit for teen paychecks
  • Family location sharing and driving safety tools on Infinity and up

Pros

  • +Deepest parental control set in the category, down to per-store limits
  • +One subscription covers up to five kids
  • +Savings rewards up to 6% beat any real bank's kid account APY
  • +Investing, credit monitoring, and driving safety make it a true family platform at the top tiers

Cons

  • No free tier: $72-$240 a year for features banks give away
  • Savings reward only applies to $5,000 per family
  • Cash back requires the $10.98 Max tier
  • Easy to overbuy tiers; most families never use the safety add-ons

Our Take

Greenlight is the most complete kids' money app on the market, and it charges accordingly. Core at $5.99 is worth it for families with multiple kids who want real spend controls and chore automation in one place. The upgrade math gets shakier from there: Max only pays off if your kid will actually use the investing feature, and Infinity is really a Life360 subscription bolted onto a debit card. If you just want a free kid debit card, a bank option like Capital One MONEY does the basics for $0.

Best for: Families with multiple kids who want serious parental controls and will use the platform features

Open at Greenlight

Last verified 2026-06-11

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