The SpendSmart Prepaid MasterCard® does it all

It can help you track, load or lock card in an instant. It can do things cash can't. It's a smarter and safer way to teach responsible teen spending.

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Easy to load from any account or digital location

Parents can now fund their teen's SpendSmart Card in a number of ways, in a matter of seconds: From a bank account, credit card, mobile phone or online.

Perfect for allowances

Whether your teen lives at home or is off at boarding school or college, the SpendSmart Card allows you to set up a monthly recurring allowance and you'll save money by doing so.

Download the App for free

Available for Android or iPhone, the app is another simple way to keep up with your teen's available balance and purchases when you're on the go. More than one teen? The app even allows you to manage multiple accounts. Message and data rates may apply from your wireless carrier.

Use safely where debit MasterCard® is accepted

The SpendSmart Prepaid MasterCard® is accepted at millions of places worldwide. To protect your teen, this card cannot be used at merchants deemed inappropriate for teens, such as liquor stores, online gambling, etc.

Instant text alerts keep you connected as purchases happen

The SpendSmart Card texts your phone in real-time—notifying a parent of their teen's most recent purchases and their available balance. It also tells you when, where and at what time your teen used their card.

Lock and unlock their card via text

It's easy to prevent future purchases or lock the card if misplaced, all with a text message. Instantly lock and unlock the card: text a 1 to block the card, or a 2 to unlock it.

The card keeps you informed of their available balance

The SpendSmart Card keeps everyone updated on how much money is left on the card at all times, letting parents and teens know where the money went or when it's time to load more funds.

The SpendSmart Card always listens to you

Ultimately, while your kids may not respond to you right away, the SpendSmart Card always does. It adheres to the messages you send and always communicates the truth back to you.

Message and data rates may apply from your wireless carrier.

Lock the card from anywhere

Whether it’s carelessly being used or if it’s lost or stolen, lock your teen’s card in an instant with the push of a button or simple text. You can just as simply unlock the card in a matter of seconds.

Add emergency funds in seconds

Is your teen out of funds or on a school trip a few states away? Now, you can instantly add funds from virtually anywhere if they run out of money. It’s just another way the SpendSmart Card is smarter and safer than cash.

Blocked at bad places

The SpendSmart Card is equipped with built-in blocking features to keep your teens from buying in places they shouldn’t such as liquor stores, online gambling, etc. SpendSmart works both online and offline to protect your teen.

No credit risk. No overdraft. Safe online.

Since the reloadable SpendSmart Card is prepaid, there is never any risk of them spending more than what is on the card. There is never any credit risk to either the teen or parent, it keeps everyone’s personal information secure and it’s safe to use for online purchases.

It keeps you safe from fraud

The prepaid SpendSmart Card is a safe and smart option for protecting you and your teen from fraud when items are purchased in a retail or online environment. With real-time text alerts and emails, you'll always know what's happening with the card.

Teachable moments happen

Just sitting down with your teen to review their daily and monthly spending will go a long way in forming the right type of spending habits. It's all available and accessible to both you and your teen online.

Lock the card. Have the conversation. Then unlock.

Not buying what your teens are buying? Take advantage of teaching opportunities when you see them. Lock their card, have the difficult conversation and then unlock the card when you think they’re ready.

They’ll learn to use plastic – without the risk

Your teens will love having the credibility of plastic. The SpendSmart Card gives them real life, hands on training to managing a budget without having to worry about credit risks or overdraft fees. It’s a simple way for you to monitor their spending and step in if and when necessary.

More resources to help you

Our resource center provides the latest tips and tools both you and your teen can turn to for smarter spending and budgeting advice. See for yourself at our Resource Center.