Debit Cards for Kids Under 14
If you’re under 14 and want more control over your own money, this blog is your starter pack. Whether you’re getting birthday cash, doing chores, or running your own mini biz (shoutout to slime sellers and dog walkers), a debit card lets you be the boss of your bag. No more losing bills in your backpack or waiting for your parents to Venmo you.
Let’s break down how you can get your own debit card, track your spending, and even start saving like a pro—even if you’re still in middle school.
Why Debit Cards Are a W for Gen Alpha
- You’re in control: Spend smart, save smarter, and flex that independence.
- No more cash drama: If you lose your card, you can freeze it in the app.
- Learn money skills now: So you’re not clueless when you hit high school.
Top Debit Cards for Gen Alpha
1. Greenlight
- Custom controls for how much you can spend
- You can invest real money in real companies (like Nike or Roblox)
- Savings earns interest—aka free extra money
Why it’s cool: You get to decide where your money goes, and learn grown-up money moves without stress.
2. GoHenry
- Track chores and earn money right in the app
- Spend your allowance online or in stores
- Fun, game-style lessons to learn about money
Why it’s fun: It turns saving money into a mini game, and you can design your own card.
3. Step
- Looks and works like a regular debit card
- No hidden fees or overdrafts
- You can send and receive money with friends
Why it’s a flex: Clean design, app is fire, and it levels up with you as you grow older.
What to Look for in a Debit Card (If You're a Kid)
- Easy to use app (bonus if it looks cool)
- Spending alerts so you always know where your money’s going
- Auto-save options that help you hit your goals faster
MoneyMode Tip:
Use your debit card to split your money into 3 categories: SPEND, SAVE, and GIVE. It keeps you balanced, like a real-life money ninja.
Want to learn how to make more money before you swipe? Check out 13 Teen Side Hustles That Actually Pay.
And if you're starting to save big? Learn how to invest with just $100.
