Modak Makers Reviews 1,159

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the excellent customer service, highlighting the quick responses, helpful agents, and informative chat support. Many people appreciate the app's ease of use and its effectiveness in teaching children financial literacy, saving money, and managing their own funds. Consumers also enjoy the fun ways to earn money and the ability to track spending. However, some customers also noted issues with the product and payment processes. A few people experienced security concerns with their cards and expressed dissatisfaction with customer service in these instances, mentioning language barriers and slow resolution. Some users also found parts of the app confusing, encountered difficulties with funding methods, or faced delays in money transfers.

What people talk about most

Customer service

Reviewers highlight positive aspects of customer service, often praising the quick, helpful, and friendly... See more

Product

Customers had ambiguous experiences with product. Many reviewers praise the product as a great way to teach... See more

User experience

People report positive experiences with the user experience. Many reviewers find the app easy to use,... See more

Payment

Users describe ambiguous interactions with payment. While some customers appreciate the ease and speed of... See more

Application

Reviewers express high satisfaction with the app, praising its ease of use and effectiveness in helping... See more

Based on these reviews

Rated 4 out of 5 stars

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

Rated 4 out of 5 stars

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

Rated 4 out of 5 stars

Easy to use app. It’s helping my kids understand the value of money. Quick customer service with excellent agents. Would recommend

Rated 4 out of 5 stars

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

4.4

Excellent

TrustScore 4.5 out of 5

1K reviews

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Rated 5 out of 5 stars

Absolutely love this app it allows me…

Absolutely love this app it allows me to see what my child is spending on it cost me absolutely nothing, as well as they offer a phone plan through AT&T as long as you have a phone that will work with it. I am so happy I can finally teach my child some responsibility with money a little bit easier than cash

16 March 2026
Unprompted review
Rated 5 out of 5 stars

I love being able to have my own account

I love being able to have my own "account" for money, and being able to have a way to store it since im prone to losing money, but its also really cool how my parent can give me an allowance with it, and how it can be used digitally and physically. I really enjoy this app! (:

14 March 2026
Unprompted review
Rated 1 out of 5 stars

We ordered a debit card for our…

We ordered a debit card for our daughter on February 12th. We got the app set up and waited the 14 days for the physical card, which had come and gone. We placed a follow up call to customer service to get a status update. They stated there was an "error" in processing the card and needed to send another one. That was February 27th. We AGAIN called on March 6th since the app had not shown any updates to shipping status. Customer service stated they would send an email once they checked into this more, which they did and confirmed they were shipping it, although the app still shows it has not shipped and the "estimated" date of arrival keeps moving farther out. When setting this card up, we had gone with this option for the reason of providing our daughter with a means of payment for her school trip on March 26th. We would have for certain gone with a different company had we known the delays and frustrations this company would cause in not being able to provide a card in a timely manner. We will definitely be looking into other options at this point.

13 February 2026
Unprompted review
Modak Makers logo

Reply from Modak Makers

Hi , we’re really sorry for the delays and frustration you’ve experienced. We completely understand how important it is for your daughter to have her card in time for her school trip, and this is not the experience we want families to have.
There was an issue during the original card processing, which required a replacement to be issued, and we truly apologize for the inconvenience that caused. The good news is that we still have time to resolve this before March 26.
If you’re able to email hi@modakmakers.com today, please ask for your case to be escalated to Julie, and we’ll personally review the shipment and work to get the card to you as quickly as possible.
Thank you for bringing this to our attention and giving us the chance to make it right. 💚- The Modak Team

Rated 3 out of 5 stars

Easy Set up / Easy to use - LONG Transfer / deposit time

I loved how easy and fast everything is, however, the 3-4 processing fees for the money to move into the account from a bank account is ridiculous.
I also do wish there was a feature to add another parent or adult so they can deposit for the child.
I love no fee's to use it, however they get you on the fee's when its card or apple pay.

4 March 2026
Unprompted review
Modak Makers logo

Reply from Modak Makers

Hi CM Weaver, thank you for taking the time to share your feedback — we’re really glad to hear you’ve found the app easy and fast to use.
You’re correct that there are two ways to add funds. Standard ACH transfers from a bank account are free and typically take 2–3 business days. For families who need funds instantly, we also offer optional instant funding, which shows the fee clearly before confirming the transfer.
We also appreciate your suggestion about allowing another parent or adult to contribute to a child’s account. Feedback like this helps guide our product improvements, and we’ll be sure to pass it along to our team.
If you ever have questions about fees or want us to review your account with you, feel free to reach out at hi@modakmakers.com. We’re always happy to help. 💚- The Modak team

Rated 5 out of 5 stars

This company is by far the best free children's/teens banking app on the market 💵❤️💳

This company offers an easy way to make sure that your child has money in their pocket for outings or other fun activities along with teaching them the value of money and the benefit of saving it versus spending it. It gives my son a sense of responsibility along with a little bit of freedom to do what he wants with the money he receives. I love that it has the option to add chores and an allowance. I've also been using it as a rewards system for Good grades and to reinforce good behavior. He's learning the value of a dollar and seeing that hard work pays off. I've tried a few other children/teen banking apps and this one is by far the best!! It's free and it's got all the features that I've been looking for, did I forget to mention that their customer service is top notch. They respond quickly to any questions or issues and are super friendly and understanding. So with that being said I would 100% recommend this to anyone who's looking for an easy way to put money in your child's pocket while still teaching them the importance of budgeting, instilling work ethic and saving money for bigger better things in the future. So Thank You Modak for making and managing a wonderful app.

16 February 2026
Unprompted review
Rated 2 out of 5 stars

Horrible service ,The customer support…

Horrible service ,The customer support does not speak English .They blocked my daughter's card without no tangible explanation and the overall service is absolutely poor. I paid $5k to Pay Mine , We literally had to sit out , We get $500 weekly returns to run our expenses . Knowledge is power and the right information is the key . Modak needs to stop frustrating parent's

27 February 2026
Unprompted review
Modak Makers logo

Reply from Modak Makers

Hi Angela, we’re sorry to hear about your experience and understand how frustrating it can feel when a card is restricted unexpectedly. That’s never something we take lightly.
In some cases, transactions are automatically paused or declined if they fall into certain high-risk merchant categories under our banking and compliance guidelines. These reviews are required to protect families and ensure we follow financial regulations. While we can’t always share specific details publicly, restrictions are never personal — they are based on transaction type and regulatory requirements.
We also apologize if you felt unsupported. Clear communication matters, and we’re actively working to improve that experience.
If you’re open to it, we’d be happy to review your situation directly and walk through what happened. Please contact us at hi@modakmakers.com so we can assist further.
We appreciate your feedback and the opportunity to improve. 💚- The Modak team

Rated 1 out of 5 stars

Run away from this company as fast as…

Run away from this company as fast as you can they make fraudulent charges to your account without your knowledge. The card gets hacked very easily. It’s been hacked twice when you call customer service they don’t speak English barely and you can hear dogs barking in the background. This company is an absolute nightmare. Do not walk away run away stay away from these people. It’s a scam. It’s fraud. They’re absolutely horrible.

25 February 2026
Unprompted review
Modak Makers logo

Reply from Modak Makers

Hi Robert,

We’re truly sorry to read about your experience and understand how concerning this situation must feel. Please know that we take claims of unauthorized activity very seriously.

Your case is currently under formal review. We are gathering all relevant account details and transaction records to ensure a complete and accurate investigation. Our Compliance team is fully aware of the matter, and we are coordinating internally before providing you with a comprehensive written response.

We remain committed to handling this matter properly and in accordance with all applicable regulations.

Thank you for your patience while this process is finalized.

The Modak Team

Rated 1 out of 5 stars

Don't recommend, feels like a scam

We switched from Greenlight since it is no monthly fee, but it's been awful and we will be closing it. You can transfer from your bank for free but it will take a week, however it comes out of your bank the same day. Then the transfer from your parent wallet to the child is supposed to be instant but it's been over a day now. They make it sounds free but force you to use credit cards to add funds which they charge a fee to do. Don't recommend.

20 February 2026
Unprompted review
Modak Makers logo

Reply from Modak Makers

Hi Lori,

We’re really sorry to hear that your experience hasn’t met expectations — we truly appreciate you taking the time to share this feedback.

We’re already in touch with you via email regarding the technical ticket you submitted, and our team is actively reviewing the situation. Please feel free to continue the conversation there so we can make sure everything is fully resolved for you.

To clarify for anyone reading: standard bank-to-bank (ACH) transfers typically take 2–3 business days depending on the originating bank. While the funds may leave your external bank the same day, processing times are determined by the ACH network and banking timelines on both sides.

Transfers within Modak (parent wallet to teen account) are designed to be instant, and we’re currently reviewing your specific case to understand what may have caused the delay.

Your feedback is valuable, and we’ll use it to make transaction timelines and funding options clearer inside the app moving forward. Thank you again for raising this.

Modak Support Team

Rated 5 out of 5 stars

This is just the best app I ever use

This is just the best app I ever use. It doesn’t take two or three days to send your money. I don’t know if it does, but it’s perfect easy to use, they have good help if you got a problem with the app, they can help you through everything.

18 February 2026
Unprompted review

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