BusyKid Debit Card Review

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Need help managing your child’s allowance? BusyKid provides a way to track your child’s chore achievement and seamlessly deliver allowance funds. 

Plus, the associated app offers itself as a teaching tool to help your children build smart money habits. 

Let’s take a closer look at what BusyKid has to offer. 

BusyKid logo
Overall Rating


BusyKid offers parents an easy way to keep track of their child’s chores and allowance. You can teach your child money management habits with the suite of tools included in this affordable service.

  • Ease of use


  • Teaches money management skills


  • Cost



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


  • No parental control on how the debit card is used
  • Paid service

What is the BusyKid?

In 2011, the app was created by Greg Murset, a certified financial planner and father. 

BusyKid is a chore and allowance app that provides an easy platform to manage your child’s weekly allowance based on the tasks they complete. You can set up a regular allowance deposit or provide one-time payments based on the chores completed. 

The goal is to teach kids how to manage their own ‘invisible’ money. Unlike a cash allowance system, the BusyKid Visa debit card allows children to make purchases in person or online. 

Moreover, they’ll get comfortable with the idea of money that isn’t physically in their hands. 

As the parent, you’ll stay in control of the amount of money your child can spend. 

The BusyKid Visa Debit Card also offers the same protections as all other VISA debit cards. This should provide a peace of mind for a safe experience. 

Who is the BusyKid For?

BusyKid is a good fit for families that want an app-based allowance system. If your children already complete chores for an allowance, BusyKid will help you create an easier way to manage your child’s allowance. 

Once your child receives the funds, they’ll need your permission to load the money onto their debit card

Although you have control up until this point, you’ll have to trust your child’s spending judgment from here. You won’t be able to approve or deny purchases. 

Instead, the child can use the funds on their debit card as they see fit. 

With that, the BusyKid Visa debit card is a great option for parents that have confidence in their child’s spending choices.

If you don’t want to give your child the power to make purchases in-person or online with a debit card, then you may not want to work with BusyKid.

However, this freedom to spend may help your child learn some valuable lessons along the way. 

BusyKid Features

Are you intrigued by the BusyKid Visa debit card? Here’s what you need to know about the product. 

Chores and Allowance

Not all households run in the same way. But BusyKid is prepared for both options. 

If you want to create an auto-allowance, your child will be paid on a regular schedule without any chore requirements. The schedule can be every Friday or bi-weekly payday of your choice. 

After you set up the allowance, you can let it run on auto-pilot.

Another strategy is to base the allowance your child receives on the chores they complete for the week. 

In this case, you can create allowance amounts for chores or activities. Every chore that your child marks as ‘Done’ since the previous Friday will be included in the payday. 

If you choose the allowance based on chores completed approach, you’ll need to approve each payday. 

With each payday, the funds will be transferred to your child in three categories with each payday – Save-Invest, Share or Spend. 

Spend Card

The BusyKid Spend Card opens the door for your kids to gain real-world experience managing how they spend their money.

In order to load funds onto the Spend Card, you or your child will need to use their pin number. Within the app, the child will only be able to load funds from their “Spend’ account.

When the child makes the move to load their card, the parent will need to approve the transaction via text. 

At the moment, you’ll need to move at least $5 at a time. The child or parent can check the account balance at any time in the app. 

Once the funds are on the card, the child is responsible for spending the funds appropriately.  The Spend Card can be used in the same way that you use other Visa debit cards, allowing for in-person and online purchases. 


Kids can also invest their money through BusyKid easily. The app allows kids to invest in real stock in popular companies. A few of the available stocks include Disney, Apple, and Netflix. 

They’ll need at least $10 to start investing. But your kids won’t encounter any fees to buy or sell stocks. That’s a great way to encourage them to start investing for their future. 


BusyKid makes it easy to help your kids learn a balanced approach to money. In addition to building savings and learning how to invest, your kids will have the opportunity to donate a percentage of their allowance to a charity of their choice. 

There are dozens of charitable organizations that your child can help support with their allowance. 


Did your child make an outstanding effort in their chores? Or excel at one of their other responsibilities, such as achieving straight As in school?

BusyKid gives you the opportunity to reward their actions with a Bonus. 

Parental Controls

The ultimate goal of BusyKid is to help you teach your children smart financial habits. In some cases, that might mean you need parental control over the movement of funds within your child’s account. 

When you initially set up an allowance, you have control over how the payday will be broken out into different categories. Once the money is in your child’s account, you can choose to lock the Save, Share, and Spend categories to keep your child from overspending.

Additionally, you can regularly monitor your children’s spending activities to stay in the loop. 

Plus, you can help reward your child’s savings habits through Parental Matching. That’s a great way to encourage a savings mindset. 


BusyKid helps you keep track of what your kids are up to. You’ll have a detailed history of chores, paydays and transactions to refer back to as needed. 

For a real-time look, you can take advantage of the ‘activity feed.’

How Much Does BusyKid Cost?

Th BusyKid offers a great service, but you’ll need to be aware of the fees before diving in. 

BusyKid is a paid service with no free option available. You’ll have to pay $19.99 for a Family Plan subscription. With the Family Plan, you’ll have access to all of the features and one debit card.

If you need additional debit cards, you can add one for $7.99 per year each. 

Here’s what the price breakdown looks like based on the number of cards you have:

Number of CardsCost per yearCost per month
2$27.98 $2.33

Additionally, there are a few other fees to keep in mind. A replacement card will cost $7.99. And if your card is declined there is a $0.50 fee. 


As we researched BusyKid, we found some common inquiries. Here are the top questions.

Is the BusyKid Visa Debit Card safe?

The BusyKid Visa Prepaid Spend card is issued by Stride Bank, Member FDIC. With that, the funds are insured for up to $250,000 based on the FDIC policy. 

Additionally, the BusyKid Visa card comes with all of the same protections offered by other Visa cards. This includes Visa’s Zero Liability protection policy, which promises that you won’t be responsible for unauthorized charges. 

With all of these protections in place, you should feel safe allowing your child to use a BusyKid Visa Debit card. 

What customer service options does the BusyKid Visa Debit Card offer?

You can get in touch with BusyKid via email at help@busykid.com. Or call to leave a voicemail for a prompt reply at 833-287-9543. 

The customer support team is available Monday through Friday from 8 AM to 6 PM. Plus, Saturday and Sunday from 8 AM to 11 AM and 4 PM to 6 PM. These times are based on the company’s location in Arizona. 

How do I get a BusyKid Visa Debit Card for my child?

If you are ready to dive in with a BusyKid Visa debit card for your child, the signup process is very straightforward. 

Before you dive in, confirm that you are at least 18 years old, a US citizen or legal resident, have a U.S. phone number, and have a U.S. bank account. You’ll need to meet all of those points to be eligible for sign up. Come prepared with your date of birth, your Social Security Number, and your child’s date of birth for a smooth process. 

You’ll need to download the BusyKid app. Then provide some basic information such as your name, email, and zip code. From there, you’ll create a password for your account and select a pin. 

Once the account is set up, you’ll be able to fund the account with your bank account or credit card to finalize the process. 

What Others are Saying

BusyKid won a National Parenting Product Award in 2020. With that, many are impressed with the company’s product. 

Let’s see what current users are saying about BusyKid. 


BusyKid has earned 3.8 out of 5 stars on Trustpilot with over one thousand reviews. Over 70% of customers report an excellent or great experience. But 13% of customers report a bad experience. 

One customer with a positive experience says, “My whole family has enjoyed using busy kids! I would appreciate child-friendly informational videos embedded in the app, however, that explain and teach kids about investing. There is the option to invest, which I LOVE, but nowhere that teaches kids exactly what it is before they do it.”

Most complaints seemed centered around delayed shipping of debit cards in recent months. 

Apple App Store

In the Apple App store, the BusyKid app earned 3.7 out of 5 stars. 

Here’s what one happy customer had to say, “We’ve been with BusyKid a long time with 4 kids. We love the options of give, save, and spend; and the stock option is a huge bonus to my two boys who are learning the ropes of investments. 

The app itself is easy to navigate. Payday is a cinch, and it holds my kids accountable to checking off their chores/responsibilities. And the bonus pay is helpful when I want them to “pay for their own” haircut, clothing, snack, etc.”

Google Play

In the Google Play store, BusyKid has 4 out of 5 stars. Many complaints were focused on in-app glitches. BusyKid has responded with promises to update the app in the near future. 


Teaching your kids to manage their allowance money via an app and debit card today can help prepare them for future responsibilities.

The BusyKid Visa debit card could be the right fit to help teach your kids valuable money lessons.