Scratch 'em all
Scratch 'em All — the in-app rewards game tied to MoCard purchases.
What is Scratch 'em All?
Scratch ’em All is a feature in the Modak kid app where each purchase made with a MoCard unlocks a digital scratch. Scratching it reveals a variety of educational rewards like MBX(2), financial tips, or small tokens.
Read this on its own page →How do I participate in Scratch 'em All?
To participate, simply make a purchase with your MoCard, and you’ll unlock a scratch in the Modak kid app. Additionally, you can receive one free scratch every 24 hours just for logging in. No purchase is necessary to receive the daily scratch.
Read this on its own page →Is Scratch 'em All available in the parent app?
No, Scratch ’em All is exclusive to the Modak kid app. This feature is designed to help kids and teens learn about financial responsibility in a fun and engaging way. It encourages the exploration of financial tips and the monitoring of transactions as part of developing financial independence.
Read this on its own page →Who can participate in Scratch 'em All?
Children and teens under 18 who hold a MoCard are eligible to participate. Teens aged 13 to 17 who do not have a Modak bank account can still earn daily scratches in the kid app. However, to unlock purchase-based scratch and redeem MBX to dollars, a Modak bank account opened by a parent or guardian is required. The Promotion is only open to legal residents of the United States and is void where prohibited by law. Employees of Modak (the “Sponsor”) their respective affiliates, subsidiaries, advertising and promotion agencies, suppliers and their immediate family members and/or those living in the same household of each are not eligible to participate in the Promotion.
Read this on its own page →What kind of rewards can I win?
Rewards include MBX (Modak currency points), educational financial tips, and fun digital tokens like pet photos.
Read this on its own page →How often can I get a scratch?
You will receive one scratch for each purchase made with your MoCard. Additionally, a free daily scratch is available every 24 hours, regardless of purchase activity.
Read this on its own page →Is there a minimum spend required to earn a scratch?
No minimum spend is required to unlock a scratch. Scratches are issued for every purchase made with the MoCard, regardless of the amount spent. Any changes to this policy will be communicated in advance, and the Terms & Conditions will be updated accordingly.
Read this on its own page →Do the scratches expire?
Yes, scratches do have an expiration period. Purchase-based scratches expire 7 calendar days after the related purchase, and daily scratches expire at 11:59 PM each day, based on your timezone. Be sure to use them before they expire!
Read this on its own page →Is there a limit to how many scratch cards I can earn?
There is no limit to the number of scratch cards you can earn through purchases. Every purchase with your MoCard generates a scratch card. Please note that we reserve the right to close or modify the Scratch ’Em All feature at any time.
Read this on its own page →What happens if I don’t use my scratch card in time?
If a scratch card expires before it is used, the reward will be forfeited, but the scratch card will still appear in your app history as an expired opportunity.
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