Ages 6-17
iOS, Android
Till Kids & Teen Banking
By Till Financial, Inc.
Reviewed by Alex Thompson, founder of Kids Financial Guide · Updated November 2026
The short answer
Till is a kids' Visa debit card and family money app with allowance, chores, savings goals, alerts and spend controls, and its free plan has no monthly fee. A physical card costs $5 and instant debit-card top-ups 3%, Premium ($7.99 a month for up to five kids) adds cash back and a 2% savings reward, and the money sits in an account the parent owns.
| Ages | No minimum age, per Till; we suggest from about 6, with a parent as the account owner |
|---|---|
| Price | Free plan with no monthly fee; Premium is $7.99 a month or $79 a year for up to five kids. A physical card costs $5 on the free plan (free with Premium), a replacement $5, and instant debit-card top-ups 3% (free with Premium) |
| Debit card | Yes, a Visa debit card (digital, physical or both) issued by Coastal Community Bank, member FDIC |
| Investing | No |
| Interest | The bank pays no interest (0.00% APY). Parents can pay their own monthly interest on savings goals, and Premium adds a 2% yearly "save reward", which Till says is not interest |
| Limits | The bank allows up to $250 a day in cash and $2,500 a day in card purchases; Till says parents can block stores and limit some spending categories (plan not stated) |
| Chores and allowance | Yes, on the free plan |
Compare it with other apps: Best Money Apps for Kids and Teens, Compared
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Till is a kids' debit card and family money app with allowance, chores, savings goals and alerts. The free plan has no monthly fee; Premium is $7.99 a month.
Till is a family money app with a Visa debit card for each child, issued by Coastal Community Bank. A parent or other adult (18+) opens the account and owns it, and each child gets a spending and saving sub-account and a card, digital, physical or both.
The free plan has no monthly fee and includes allowance, chores, savings goals, real-time alerts and card lock. A physical card costs $5, and adding money instantly from a debit card costs 3%, though bank transfers are free. Premium, at $7.99 a month or $79 a year for up to five kids, adds 1% cash back on up to $300 a month per child, a 2% yearly savings reward, free cards and no foreign transaction fee on kids' cards.
The bank pays no interest, though parents can set their own interest rate on savings goals. Family and friends can send money through Give Link, and parents can turn it off.
Key Features
- ✓Free plan with no monthly fee that includes allowance, chores and savings goals
- ✓Real-time spending alerts, and parents can lock or replace a card instantly
- ✓One Premium plan covers up to five kids
- ✓Family and friends can send money with Give Link, which parents can turn off
- ✓Money is held at Coastal Community Bank, member FDIC
⚠Limitations
- ×A physical card costs $5 on the free plan, and instant top-ups from a debit card cost 3%
- ×The bank pays no interest; Till's 2% savings reward needs Premium
- ×Card purchases abroad cost 3% and foreign ATM withdrawals $5 on the free plan
- ×Bank daily limits of $2,500 in purchases and $250 in cash are high for a young child; Till advertises store blocks and category limits but doesn't say which plan includes them
- ×The parent owns the account, so money for your child isn't legally theirs, and Till doesn't say what happens at 18
- ×Disputes go to individual arbitration instead of court, and class actions are waived
- ×Till's privacy policy allows sharing data with advertising partners and doesn't say whether that excludes kids' data; the App Store label lists usage data as used to track you
Learning Outcomes
- •Earning money through chores
- •Saving toward a goal
- •Spending with a card on things you've planned for (budgeting, for older kids)
Our Verdict
Our take: Till is a solid choice for families who want a kids' card with chores and savings goals without paying every month. Order the digital card first, keep Premium for when cash back or several kids make it worthwhile (cash back tops out at $3 a month per child), and read the privacy settings and ask Till not to share your child's data with outside partners, since Till's policy allows advertising uses of data.
Parental Controls
- •Real-time spending alerts
- •Lock or replace a card instantly
- •Recurring allowance and chores
- •Decide how much money each child gets
- •Turn Give Link on or off
- •Block specific stores and limit some spending categories (plan not stated)
- •Pay your own monthly interest on savings goals
- •Daily card limits set by the bank
Till Kids & Teen Banking: our in-depth review
How it works day to day
A parent downloads Till, creates the family account and adds each child. The parent can invite other family members to help; anyone invited as an admin can add money and request transfers, which the owner approves, and the owner is responsible for all activity on the account. Each child gets a digital Visa card straight away; a physical card takes 7-10 business days.
Parents add money by bank transfer (free) or instantly from a debit card (3% on the free plan), then set an allowance and chores. Till says parents can block specific stores and limit some spending categories (it doesn't say which plan), and can lock the card. Kids see their balance and spending, set savings goals and can withdraw cash at an ATM; Till doesn't charge for this, though the ATM owner may. The bank limits cards to $250 a day in cash and $2,500 a day in purchases.
What kids actually learn
Chores, allowance and savings goals teach earning, saving and spending within a budget. Look at the spending together each week; Till has no lessons built in.
Parents can also pay their own monthly "interest" on a savings goal, based on its balance at the end of each month. The money comes from you, not the bank, so you choose a rate that makes saving feel worth it, and it's a simple way to show how saved money grows.
On Premium, the 2% yearly savings reward works like interest: $100 saved for a year earns about $2. Till says it's a reward, not interest, and it can change or end the reward at any time. Cash back can teach that some cards pay you to spend, so talk about spending only what you planned.
Safety, privacy and who owns the money
Till is a technology company, not a bank. Money is held at Coastal Community Bank, member FDIC: the US government insures bank deposits up to $250,000 per depositor, per insured bank, for each account ownership category, if certain conditions are met, and that covers the bank failing, not Till. The parent owns the account and is responsible for everything on it, so money for your child isn't legally theirs. Under the account agreement, disputes go to individual arbitration instead of court, and class actions are waived. Accounts left unused for 90 days can be suspended, and when an account is closed the balance goes back to your linked bank account.
Give Link lets anyone with the link send money to your child's card, and the sender may pay up to 3%. Share it only with people you know, and don't let your child post it online. Parents get an alert for each Give Link deposit and can turn it off. Teach your child that a stranger who asks for payment by app, gift card or crypto, offers to double their money, or sends money "by mistake" and asks for it back is running a scam. For younger kids, keep it simple: never send money or share card details with someone you only know online, and ask a grown-up first.
Till has no separate children's privacy policy; its privacy policy has a children's section in which Till says it is committed to complying with the US children's privacy law (COPPA). It says Till doesn't collect personal information directly from children under 13, parents provide it and give consent, and parents can ask Till to delete their child's data or stop Till sharing it with third parties it doesn't need to run the service. The same policy allows sharing with advertising partners for targeted ads and doesn't say whether kids' data is excluded. On the App Store, Till lists usage data as used to track you, and financial info, contact info and identifiers as linked to you; on Google Play, it says it may share personal and financial info with third parties. Closing your account doesn't delete your data; ask Till to delete it separately.
Who it's best for
Till suits families with kids about 6 to 17 who want a card with chores, allowance and savings goals without a monthly fee, and families with several kids who can share one Premium plan.
If you want investing, Greenlight's higher plans include it. For a free bank account your child co-owns from 6, Capital One MONEY has no card fees. For teens who want to learn without a card, Zogo is free.
Frequently asked questions
Is Till free?
The free plan has no monthly fee and includes allowance, chores, savings goals, spending alerts and a digital Visa card. A physical card costs $5 (expedited shipping $25), a replacement $5, and adding money instantly from a debit card costs 3%; bank transfers are free. Abroad, card purchases cost 3% and ATM withdrawals $5. Premium, at $7.99 a month or $79 a year for up to five kids, adds free physical cards for up to five kids when you join, free instant top-ups, no foreign fee on kids' cards, 1% cash back on up to $300 a month per child and a 2% yearly savings reward. Till makes money from Premium and these fees, and doesn't say what else it earns from. Cash back tops out at $3 a month ($36 a year) per child, so Premium ($79 a year) pays for itself only if several kids each spend close to $300 a month on their cards, or you'd otherwise pay often for instant top-ups.
What age can a child use Till?
Till sets no minimum age and leaves it to families. We suggest starting from about 6, with savings goals and chores, and keeping the physical card yourself until your child is ready. Kids need to be 13 to add the card to Apple Pay or Google Pay. Till doesn't say what happens at 18, so ask before your child's birthday.
What can parents control in Till?
The parent owns the account and decides how much money goes to each child. Parents get real-time spending alerts, can lock or replace a card instantly, set up a recurring allowance and chores, and turn off Give Link, the link family and friends use to send money. Till's homepage says parents can also block specific stores and set limits on some spending categories, but doesn't say whether that needs Premium, so check in the app. Separately, the bank caps cards at $250 a day in cash and $2,500 a day in purchases.
Is Till or Greenlight better?
Both give kids a debit card with chores, allowance, savings goals and parent alerts, and both advertise blocking particular stores (Till doesn't say which plan includes it). Greenlight covers up to five kids per plan and costs from $5.99 a month per family, includes a 2% savings reward on its cheapest plan, and its higher plans add investing, which can lose value and isn't FDIC insured. Till's free plan covers the basics with no monthly fee, though the physical card costs $5; its 2% savings reward and cash back need Premium at $7.99 a month. If you'd pay for Till Premium ($7.99), Greenlight Core ($5.99) costs less and includes the 2% reward, though Core has no cash back. Pick Till for chores and a card without a subscription, and Greenlight if you want investing.
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