How to Get Chime Card for Kids (+5 Better Options)

⚡ To get the Chime Card for kids, you must have a teenager 18 years or older to sign up for an account. You could let your child use your personal Chime debit card or consider a better alternative like Greenlight or Cash App with more parental controls.
📅 Monthly SubscriptionNo, $0.00/month
👪 Approval RequiredNo, Parent Approval
✔️ Minimum Age18+ Years Old
💳 Debit Card OptionAvailable
🆓 Free to UseYes, No Fees

It’s hard to find the right debit card for kids.

The Chime Card is a popular option for debit cards for kids, but it’s not the only choice.

Here are five better options that might be a better fit for your family. 

Or you can get the Chime Card for kids here.

Either way, let’s dive right in and check out all the options!

Chime Debit Card for Kids & Teens

Chime has a fantastic debit card for teenagers. For older teens who work and have a regular source of income, the Chime debit card is a great option. It’s also ideal for anyone who wants to use an app to manage their finances.

There are many good debit cards for older teens, but the Chime card is one of our favorites. It offers several great features, including no overdraft fees, no late fees, and no foreign transaction fees. Plus, you can earn cashback on your purchases.

Best for Older Teen (18+): Chime Debit Card

Chime-Bank for Kids
  • A straightforward list of free account options
  • Savings APY is very competitive.
  • Savings tools that are automated to help you improve your habits
  • Direct deposit payments should be received as soon as possible.

NOTE: You can get this Chime card for your children that are under the age of 18, however, you’ll have to sign up with your own personal information and then give the card to your kid.

The Chime card also comes with a mobile app that makes it easy to track your spending and find ATMs near you. And best of all, the Chime card is free to use. So if you’re looking for a powerful and affordable debit card for your older teen, the Chime card is a great choice.

To apply for a Visa debit card, you must be 18 years old, and your parents have no control over the account or spending; this is a great option for older teens who have used cards like FamZoo and Greenlight and can manage their finances to some extent.

5 Better Alternatives to the Chime Card

There are plenty of great prepaid debit cards for kids, but the Chime Visa debit card is a particularly good option for older teens. If you’re looking for a different card that offers similar benefits, check out one of these five alternatives.

1. 🥇 Greenlight Debit Card for Kids (Best for All Ages & Multiple Kids)

  • Starts at $4.99 per month
  • Debit card for kids with 1% cashback
  • Parental tools & real-time monitoring
  • Kids earn up to 2% on savings
  • Investments for kids
  • Chores & allowance on autopilot

Another Cash App alternative is Greenlight – this app has been around since 2008!

Greenlight works for kids of all ages and the app really excels with families that have multiple kids.

The app is still wonderful for single-child families so don’t let that deter you.

They are adding new features all the time including peer-to-peer payments.

You’ll be able to send money to another Greenlight user without having to go through PayPal or Venmo first or deal with Cash App pending payment issues that sometimes occur (not great for youth expense tracking).

They also have some cool features like sending money through email, messaging, or photos.

2.🥈 Current Mobile Bank (Best for Teens 16+)

Current Debit Card for Teens
  • No subscription fee or hidden fees
  • Best debit card designed specifically for teens
  • Excellent parental controls
  • Safety and security features
  • Automate chores & allowance payments

3. 🥉 Best Free Debit Card: Cash App

The Cash App Card is a prepaid card that you can use to spend money already deposited into your Cash App account. It’s a great way to avoid carrying around cash, and it also makes it easy to transfer money between your Cash App account and your bank account.

The card can be used anywhere Visa is accepted, and it comes with a bunch of great features, such as online/in-store purchase protection, no foreign transaction fees, and automatic fraud protection. Overall, the Cash App Card is a great option if looking for a prepaid debit card.


  • Make and receive mobile payments with ease.
  • You can buy and sell Bitcoin 
  • There are no fees associated with sending and receiving money.
  • Makes reimbursements easier
  • Invest in stocks that don’t charge commissions.


  • For the first 30 days, there is a low early limit.
  • Does not include coverage from the Federal Deposit Insurance Corporation (FDIC).
  • It cannot be used on a global scale.

4. Best For Managing Allowances: FamZoo

FamZoo is a great option for parents who want to teach their children how to manage money. With FamZoo, parents can create digital accounts for their children and deposit money into those accounts. The children can then use that money to pay for groceries, clothing, or entertainment.

FamZoo also allows parents to set up rules and limits on how much money their children can spend in a day or week. This helps kids budget their funds and make informed decisions about what they want and need. FamZoo doesn’t pay interest, but you may set up “parent-paid interest” to encourage saving. Plus, FamZoo offers features like parental control and real-time reporting, which help parents stay on top of their child’s spending habits.


  • Free trial.
  • Save, spend and give.
  • Declined transaction details.
  • Parent-paid interest.


  • Limited cash load options. 
  • Extra cards costs.

5. Best for Only Child: Gohenry debit card

A GoHenry card is a great option for an only child, and it allows parents to transfer money to their child’s account easily and helps teach children how to manage their finances responsibly.

GoHenry also offers a great rewards program that gives children incentives to save money and make good choices with their spending. Overall, I would highly recommend a GoHenry card for any parent with an only child.


  • Instant notifications and spending limits provide complete parental control.
  • The trial period is one month.
  • Even six-year-olds can use it.
  • Task completion rewards system
  • In a safe environment, children are taught about personal finance.
  • Money can be sent to the kids by relatives.
  • From the same parent account, you can manage up to four children.


  • A higher-than-average monthly fee
  • Only one free child account top-up per month is allowed.
  • Although it is safe, it is not as safe or regulated as a bank.
  • The account cannot be topped up with cash.
  • There is no interest paid on it.

6. Best for teaching money management: Busykid

The Busykid prepaid Visa card is a great option for teaching money management to kids. With the card, kids can learn how to track their expenses, budget for different purchases, and save up for larger items.

The card also offers parental controls, so parents can set spending limits and approve or reject transactions. This gives parents peace of mind while allowing kids to take on more financial responsibility. Overall, the Busykid prepaid Visa card is an excellent way to teach kids about money management in a safe and controlled environment.


  • Affordable pricing
  • Easy way to teach financial responsibility
  • Separate funding source options


  • High card replacement fee
  • Paid service

7. Best for teens with a job: Netspend

Netspend is a prepaid debit card that is popular among teens who have part-time jobs. It’s a good option because it doesn’t require a credit check or bank account, and you can load it with money from your job.

There are some drawbacks, however:

  1. The fees can add up if you’re not careful.
  2. The card doesn’t offer many features that traditional checking accounts do, such as online bill pay or overdraft protection.
  3. There have been complaints about customer service and difficulty withdrawing money from ATMs.


  • Lots of places and ways to reload.
  • A variety of account options. 
  • Low threshold to qualify and maintain an account.
  • NetSpend transfers are free. 
  • Rewards offers.


  • You will pay to load.
  • Pay to withdraw.
  • And pay to use.
  • Online bill pay also will cost you.
  • Pay to not use.
  • Pay to cancel.

These are some of the best options for parents to get a Chime card for their kids. These cards offer different benefits and drawbacks, so be sure to read the fine print before signing up.

There are many more options available in the market, including jassby virtual debit card, greenlight debit card, etc.

No matter which one you choose, though, your child will be able to learn about money management in a safe and controlled environment.

Why Choose the Chime Card?


Chime is a financial technology company that provides a mobile banking and spending account and a Visa debit card. Chime does not have any brick-and-mortar branches, but customers can use the Chime app to find ATMs and checking account information.

This online-only platform is backed by The Bancorp Bank and the Federal Deposit Insurance Corporation, making it a great place to keep your money with (almost) no fees.

The Chime account is FDIC-insured and comes with several features to help users save money, including automatic saving money and direct paycheck deposit. The account also has no monthly fees or minimum balance requirements.

Advantages of the Chime Card

The Chime Visa debit card is a good choice for a teenager ready to take on more financial responsibility and freedom.

There are no monthly fees, and the card can be used anywhere Visa is accepted. Teens can deposit their paychecks into their accounts with a two-day early deposit option.

Those who have received at least $500 in direct deposits in the previous month can apply for the SpotMe feature; it’s good practice for transitioning to a real credit card. The SpotMe feature covers a $20–$200 overdraft with no additional fees or penalties.

The negative balance on the Chase Visa card for teenagers is covered the next time a deposit is made. You can’t use the overdraft if you don’t qualify for the SpotMe feature.


Daily and monthly transfer limits, on the other hand, might be a bad idea. A user’s daily and monthly limits for initiating and sending money from Chime are $200 and $1,000, respectively. You could, however, make a transfer from a different bank to avoid this problem.

Additional charges may apply

Chime charges $2.50 for out-of-network ATM withdrawals. Depending on the reload service you use, reload fees can range from $1.95 to $4.95.

Parental warnings

There are no parental alerts because minors do not have a typical debit card. The account, spending, and savings are all hidden from the parents.

Method of reloading

Direct deposit, bank transfer, debit card transfer (on a limited basis), mobile check deposit, and retailers are all options.

Chime Account Offerings


Chime has multiple accounts you can sign up for including the Chime Spending account and Chime Savings account.

Chime Spending Account

Chime’s checking account, dubbed a Spending Account, boasts a zero-fee policy, and it has no monthly account fees and no minimum balance requirement.

Chime has a program that allows you to get your direct deposits up to two days ahead of schedule. You’re eligible for and can choose to receive your payment up to two days early, as soon as your employer deposits it, once you set up direct deposit into your Spending Account.

Chime’s SpotMe service is available if you receive direct deposits of at least $200 per month. This optional service lets you overdraw your account up to $20 on debit card purchases without incurring a fee at first. Based on your account history, direct deposit amounts and frequency, spending activity, and other factors, Chime may increase your SpotMe allowance to up to $200 or more at its discretion. In the SpotMe mobile app, you can check your limit. SpotMe does not cover Non-debit card transactions.

Do you need to mail a paper check? You can create one using the Chime mobile app, and Chime will send it to you in the mail.

Chime Savings Account

Chime’s high-yield Savings Account pays a 0.50 percent annual percentage yield. There are no monthly fees or minimum balance requirements. There is no limit to the amount of interest you can earn, and you will earn interest as long as you have at least a penny in your account. There is no minimum deposit required to open a Chime Savings Account, but you must first have a Chime Spending Account.

Chime offers two optional programs to help you save money.

When you use the Save When You Spend feature, you can save small amounts each time you purchase. When you use your Chime debit card, the transaction is rounded up to the nearest dollar, and the difference is transferred to your Chime Savings Account.

Have you ever spent $25.50 on groceries? You’ll pay with your debit card at the store, and Chime will transfer 50 cents from your Spending Account to your Savings Account. It may not appear to be much, but if you make many debit purchases, your savings can add up quickly.

Chime also has a Save When You Get Paid feature, which lets you set up a recurring transfer of 10% of your direct deposit paycheck of $500 or more from your Spending Account to your Savings Account each time you get paid.

Other Services and Accounts

The Chime Credit Builder Card* is a no-credit-check card offered by Chime. If you’re working to improve your credit history, you can transfer money from your Chime Spending Account to your Credit Builder account to use on your Chime Visa credit card. Your payments are reported to all three major credit bureaus by Chime. The Credit Builder secured card is unique in that it has a zero percent annual percentage rate.

Chime’s Pay Anyone peer-to-peer system allows you to send free mobile payments to family and friends, whether or not they are Chime members. A monthly limit of $2,000 applies.

James Allen is a Certified Financial Education Instructor (CFEI), financial advisor, and Certified Public Accountant (CPA).

He created BillPin to give people the financial tools they need to make more informed financial decisions.

After listening to his mother tell stories about her frugal upbringing and his own experiences working as a financial advisor for almost two decades, James is on a mission to help people change their relationship with money.

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