Start free with a virtual debit card. Upgrade when you're ready to turn it into real money habits.
| Feature | MoBasic$0/month | MoSilver$2.99/mo | MoGold$5.99/mo |
|---|---|---|---|
| Kids Virtual Debit Card | |||
| Kids Physical Debit Card | With $10 funding | Included | Included |
| Parent Virtual Debit Card | |||
| Parent Physical Debit Card | $5 Fee | Included | Included |
| Replacement card | 1 free - $5 afterwards | 2 free - $5 afterwards | 3 free - $5 afterwards |
| Digital Wallet Provisioning (Apple Pay® & Google Pay™) | |||
| Account Balances & Transaction History | |||
| ATM Access | |||
| ACH Funding | |||
| Instant Funding | |||
| Real-Time Notifications | |||
| Basic Card Controls (Freeze/Unfreeze Card, Balance Alerts) | |||
| Auto Reload | |||
| MBX Rewards Program | |||
| Co-Parent Invitations (Primary Account Holder Only) | — | ||
| Savings Goals | — | ||
| Allowances | — | ||
| Chore Management | — | ||
| Enhanced Spending Analytics | — | ||
| Enhanced Parental Controls | — | ||
| Premium Card Design Selection | — | ||
| Cashback Rewards | — | — | 2% Cashback on Eligible Purchases² |
| Instant Funding Fee Reimbursement | — | — | Included up to $25² |
| Savings Boost Rewards | — | — | 4% Savings Boost² |
| Expedited Card Shipping | Standard Fee | Discounted Rates Available | Discounted Rates Available |
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.
“Actually free to start, and worth every cent when we upgraded.”
“My kid finally gets how money works.”
“Switching plans took ten seconds, no calls needed.”
Deposit account and the Modak Visa® debit card issued by Legend Bank, N.A., FDIC-Insured.
Modak is a financial technology company and not a FDIC insured financial institution.
Yes. Mogold members can request a parent physical card at no additional cost. Outside of Mogold membership the card costs $5
Read more →Yes. The membership can be canceled at any time. Benefits typically remain active until the end of the current billing cycle.
Read more →Upon cancellation:
Membership fees are non-refundable once billed, unless otherwise specified.
Read more →Join families raising kids who know what to do with money.
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