So far I love it. My daughter does her chores more and if they are not done properly I can deny the payment of it . It's reaching her to take her time to make sure her chores are done properly. Just a... See more
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Review summary
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I think Modak is a very good financial app for children. It has daily scratch-offs for MBX along with challenges. MBX is an in-game currency. You can exchange 100 MBX for $1, which is AWESOME if you... See more
Easy to use app. It’s helping my kids understand the value of money. Quick customer service with excellent agents. Would recommend
It’s an amazing company and card but I was trying to get a new card and it was kinda slow response but my helper was nice so it’s okay
Company details
Written by the company
Modak is a US-based platform leveraging the power of fintech, gamification, and community to empower kids to reach their full potential. We are founded with an audacious vision to enable kids and young adults to reach their full potential, regardless of their background. We pursue this mission by offering a gamified fintech and learning ecosystem - with teen cards, financial literacy, and other services. We build for scale and security using the best technologies and enrich the user experience with a thriving community that supports each other. Modak is trusted by over 30,000 families and growing by the day. We are one of the most well-funded early-stage startups, and we are grateful for the 5+ years of runway we have even in this market. Our investors include GGV Capital ($9.2Billion VC firm), Monashees, Maya Capital, Nazca VC, One VC, and 30+ leading angel investors and entrepreneurs across Silicon Valley and Latin America.
Contact info
United States
- 833-966-2428
- hi@modakmakers.com
- modakmakers.com
4.4
Excellent
1K reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
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Its AMAZING!!!
Its great! The customer support is amazing so with the app! I recommend this to parents that want their kids to learn about money and banking!
June 2, 2025
Unprompted review
Modak is AMAZING!
Modak is AMAZING!! The workers there make sure to completely follow up on your questions and answer with amazing responses. Say you ask “how do you transfer mobux to your account?” Their response. “Well you just click and do dadada” (sorry not remembering the full thing at the moment) But they really do make this app the best it can be and I LOVE it❤️
May 30, 2025
Unprompted review
It was amazing they were so nice
May 30, 2025
Unprompted review
Best bank account for teens
I love modak. It has no monthly fees, you can collect MBX to get real money, and it’s a checkings account too! This app and bank is really good, and I recommend it to all teenagers looking for a debit card.
May 30, 2025
Unprompted review
It was very useful to know when I could…
It was very useful to know when I could get my account back and the provider you with very specific answers to your questions
May 27, 2025
Unprompted review
What made my experience amazing was that it actually solved my problems and was easy to understand. They laid it all out step by step and I had no confusion or problems and it really worked.
What made my experience amazing was that I was having some trouble and asked for help and they gave me a step to step detailed answer back!
May 27, 2025
Unprompted review
Modak is great!
Question handled quickly. Modak is a great, fee free way to teach children financial literacy.
June 20, 2024
Unprompted review
Love it!
Getting this card for my son has been a wonderful experience and has been so helpful for him to be able to pay for things when we are not with him. And it’s awesome that it’s a free! He is also learning a lot about budgeting his money.
May 23, 2025
Unprompted review
COMPLETELY A DISASTER!!!
This so-called "educational" credit card for kids has been a total disaster. From the moment of signup, it seemed like the company was more interested in profiting off the children rather than teaching them.
Fees are excessive, with frequent "convenience charges," "activation fees," and "monthly service charges." These extra expenses complicate teaching children about budgeting, which appears predatory.
The app is difficult to use and confusing. It is not intuitive for children, and setting spending limits or monitoring purchases is difficult.
Customer service is unresponsive. Attempts to contact them with questions and complaints resulted in canned, unhelpful answers.
Instead of teaching responsible spending habits, this experience has been confusing and expensive. This company exploits parents' hopes for financial literacy, delivering only frustration. Avoid this company.
May 14, 2025
Unprompted review
Reply from Modak Makers
Hi Lilla,
Thank you for sharing your feedback. We’re sorry to hear about your disappointing experience and appreciate the opportunity to clarify some important points.
First, we want to assure you that Modak is not a credit card—it’s a debit card designed specifically for teenagers to help them learn financial skills through real money management, rewards, and educational challenges. Our goal is to empower young users with healthy money habits in a safe and supportive environment.
Regarding fees, Modak is committed to transparency. We do not charge monthly service or maintenance fees, and there are no hidden charges. Some premium or expedited services—such as funding via debit or credit card—may incur small fees, which are disclosed upfront, similar to many other fintech services. Our intention is to keep financial education accessible without burdening families with unnecessary costs.
We understand that the app’s usability is crucial, especially for teens. We continuously work on improving the app’s interface to make it intuitive and user-friendly, including features like setting spending limits and monitoring purchases easily through parent and teen dashboards. Your feedback helps us identify areas where we can do better.
Regarding customer service, we regret that your experience did not meet expectations. We strive to provide timely, personalized support and would welcome another opportunity to assist you directly. Please feel free to reach out via chat, phone or email at hi@modakmakers.com so we can address your concerns thoroughly.
At Modak, we genuinely want to support families in fostering financial literacy and confidence in young people. We’re sorry this wasn’t your experience, but we appreciate your insights and remain committed to improving.
Thank you again for your honest review.
-The Modak Team
Great customer
Great customer, quick to help and had a lot of patience for me. Didn’t quit til problem was solved!
May 21, 2025
Unprompted review
The chat support is very fast and…
The chat support is very fast and always answer my questions.
May 21, 2025
Unprompted review
Non-authorized money
I was concerned because some money showed up in my son’s account that I did not send. The support agent got back to me very quickly and let me know it was because of the transfer to a new banking partner. Very kind and put my mind at ease. Great support!
May 21, 2025
Unprompted review
High Hopes But Terrible Results
I had high hopes for this company but I have had issues since day 1 and now they are switching banks and they have blocked me on stopping the direct deposit to my daughters card after I chose to cancel instead of transfer. I’ve never been able to add my bank card, only my credit card for my daughters allowance, accept for a check type transfer that takes 2-3 days after the set allowance day. My daughter wants her allowance when I tell her she will get it, not 2-3 days. Secondly, with this transfer of banks or ownership, you have to agree to it all to even get to your main account screen or you can choose to cancel the account but when you get to the account screen, it won’t let you cancel the automatic payments. It tells you access is restricted. Steer clear. Green light costs money but I never had issues with my older kid when we had it. I’ve learned the lesson, cheaper is not better.
May 19, 2025
Unprompted review
Reply from Modak Makers
Hi Leigh,
We understand how important it is to have control over your funding sources. If you're currently unable to stop or modify your direct deposit, it’s likely due to temporary restrictions related to our ongoing migration to a new banking partner. These restrictions are in place to protect user accounts during the transition and will be lifted shortly.
We currently support multiple ways to fund your teen's account, including debit cards, credit cards, ACH transfers, and direct deposit. However, some banks and cards may be blocked or limited by the issuing institution, which could explain why your debit card didn’t work. We're actively working with our payment partners to expand compatibility and reduce these issues.
We understand this situation has been frustrating, and we’re genuinely sorry for the disruption. Our goal is to provide a safer, more stable experience with this banking upgrade, and we're committed to making it right for every family impacted.
If Modak no longer meets your needs, we completely respect your decision. But we’d also appreciate the opportunity to help resolve your issues and support a smoother exit if needed.
You can always reach us directly at hi@modakmakers.com — we’re here to help.
-The Modak Team
One recommendation
I think Modak is a very good financial app for children. It has daily scratch-offs for MBX along with challenges.
MBX is an in-game currency. You can exchange 100 MBX for $1, which is AWESOME if you ask me. I just think they should let us see the products we bought through the transactions. Other than that, I love EVERYTHING about Modak.
May 19, 2025
Unprompted review
Interruption in service
Loved the card and app. Was very convenient as my grandchild lives in another state. The change in banks will affect his physical card and this will not work for our situation. At his age using a virtual card isn’t always an option (he uses his card for vending machines at school). Honestly hate to part with it.
May 18, 2025
Unprompted review
Reply from Modak Makers
Hi Angie,
Thank you so much for your kind words and for being part of the Modak community — we’re truly glad the card and app have been helpful for you and your grandchild.
We completely understand how important a physical card is, especially for everyday things like school vending machines. During our banking partner transition, some accounts may temporarily lose access to card features, but this is only short-term. Once the migration is complete, physical cards will be fully supported again.
We know this change is frustrating, and we hate to see you go because of it. If you’d like, we’d be happy to walk you through the timeline and options that may still work for your situation. Feel free to reach out anytime at hi@modakmakers.com — we’re here to help.
Thank you again for your support. We hope to welcome you back in the future.
-The Modak Team
Super Shady - Don't share Bank details
The Modak app makes it very difficult to protect your funding methods. There is no way to stop a payment method or change/update card or account details.
This led to "surprise" charges to my card when trying to transfer money to my child. In addition, it seems there current bank has dropped them and they are telling me that the account will be unusable for a couple of weeks, starting at an undisclosed time.
There are far better and safer options for getting a card for your child. If you use Modak, get your money out now!
May 17, 2025
Unprompted review
Reply from Modak Makers
Hi Jeremiah,
We’re sorry to hear about your experience and appreciate you sharing this feedback.
We understand how important it is to have full control over your funding methods. You can remove or update payment methods via your parent dashboard, but if that hasn’t worked for you, we’d like to look into it further and make it right.
Surprise charges should never happen — Modak only processes transfers that are authorized by the parent account holder. If something didn’t go as expected, we’re here to help review it with you.
The temporary account access changes you mentioned are part of a one-time migration to a new banking partner. This change is designed to bring more stability and features, and we’ve been notifying users in advance. We understand the disruption it may cause and truly regret any inconvenience.
We're reaching out directly to help find a solution and make sure you’re fully supported through this transition.
-The Modak Team
First off ios
May 16, 2025
Unprompted review
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