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Modak

Recommended

Banks & cards · 4.2 / 5 · 6+ · USA

Free debit card and money app for kids and teens. $10 on the invite.

Modak is an all-in-one money app that helps kids and teens spend, save, and manage real money. Free plan — no monthly subscription required. Sign up with referral code PERRY3VMWZ. Good if you actually need a youth card; don’t open it only to farm a bonus you don’t need.

Open official signup
Signup bonus
$10 for you on a qualifying signup (parent/teen)
If you refer later
$10 per referral; unlimited; free plan available
Cashout
Modak account · In-app / card
Speed
After the referred account is set up
Best for
Parents and teens who want a real debit card with a free plan
First-month range
$10–$10 if you actually use it

How to do this

  1. 01Open the invite link and use code PERRY3VMWZ.
  2. 02Choose the free plan.
  3. 03Parent verifies; teen/kid gets the debit card flow.
  4. 04Use it as a real allowance/debit tool.

Worth it because

  • + Built for kids and teens
  • + Free plan with no subscription
  • + Real-world money practice
  • + Unlimited referrals

The catches

  • − Only relevant if you have (or are) a young person who needs a card
  • − Parent verification required
  • − Not a high-yield hustle

Youth accounts require a parent/guardian. Bonus terms are set by Modak. Free plan available. SmartMoney is an affiliate site — we may earn when you use these links. Read the company’s current terms before you apply.

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