GoHenry Prepaid Card Review
ATM and Cash
Topups
Overall
GoHenry is a prepaid debit card and app for ages 6 to 18. It teaches money skills with parental controls, tasks and savings. Pricing offers three memberships: Everyday at £3.99 per child, Plus at £5.99 per child and Max at £9.99 for up to four kids on one fee. GoHenry states there are no GoHenry fees for purchases or ATM withdrawals abroad, and UK ATM use is also free from GoHenry’s side. Some ATM operators may add their own fee. Apple Pay is supported from age 13. Google Pay is generally not supported on phones for UK cards.
Fees and FX
ATM and Cash
Topups
Overall
Initial Viewpoint
Best for parents who want strong controls, fee free usage from GoHenry’s side at home and abroad, and an app that teaches money skills. Not ideal if you want unlimited free top ups on the entry plan or Google Pay support on phones.
Highlights
- Three plans with a one month free trial
- Free purchases and ATM withdrawals from GoHenry’s side at home and abroad
- Apple Pay supported for 13 plus
- Money Missions and Junior ISA options on selected plans
Cautions
- Everyday includes one free top up per calendar month then 50p per extra top up
- Google Pay on phones is not supported for UK cards; Fitbit Ace LTE has a specific Google Wallet integration that parents can enable
Overview
What it is
A prepaid Mastercard and companion app with tasks, savings jars, merchant blocks and instant transfers between parent and child accounts. Works online and in store where Mastercard is accepted.
Who it's for
UK families who want to automate pocket money, set spend limits and teach financial habits with interactive lessons. Teens can add the card to Apple Pay from age 13.
Key Facts
Issuer and scheme:
Prepaid card on the Mastercard network. GoHenry provides the account and card program for UK residents aged 6 to 18.
Protection:
E money with safeguarding. FSCS does not apply to e money balances. See general terms.
Memberships and pricing:
Everyday at £3.99 per child. Plus at £5.99 per child. Max at £9.99 for up to four kids. All have a one month free trial.
Overseas usage:
GoHenry states no commission and no ATM withdrawal fees from GoHenry’s side when used abroad. Always choose local currency to avoid DCC markups by merchants or ATMs.
UK ATM usage:
GoHenry confirms no GoHenry fee for UK cash machines. Operators may charge.
Digital wallets:
Apple Pay supported for ages 13 plus. Google Pay is not supported on phones for UK cards, although parents can enable Google Wallet for Fitbit Ace LTE.
Pricing & Fees
Fee Type
Amount
Notes
Monthly membership
Everyday: £3.99 per child, Plus: £5.99 per child, and Max: £9.99 up to four kids
One month free trial on all plans.
Top ups to parent wallet
Everyday: 1 free per month then 50p each, Plus: Unlimited free top ups, and Max: Unlimited free top ups
Applies to debit card loads to the parent wallet.
Purchases UK
Everyday: £0 GoHenry fee, Plus: £0, and Max: £0
Merchant acceptance is Mastercard.
Purchases abroad
Everyday: £0 GoHenry fee, Plus: £0, and Max: £0
Choose local currency to avoid DCC.
ATM withdrawals UK
Everyday: £0 GoHenry fee, Plus: £0, and Max: £0
ATM operator may charge.
ATM withdrawals abroad
Everyday: £0 GoHenry fee, Plus: £0, and Max: £0
ATM operator may charge.
FX & ATM Details
FX conversion
GoHenry routes card conversion via Visa rates. GoHenry highlights that kids should pay in local currency to avoid DCC markups which can add several percent.
ATM usage
Daily ATM withdrawal limit is £120 with a maximum of three withdrawals per day. Parents can lower limits in the app. UK and international ATM withdrawals carry no GoHenry fee but ATM owners may charge.
Topups & Payments
Method
Fee or Limit
Notes
Parent wallet top up by debit card
Everyday one free per month then 50p. Plus and Max unlimited free
Auto top up follows the same rule for Everyday.
Bank transfer to parent wallet
Usually free from your bank
Standing orders are supported. Settlement is not instant.
Apple Pay funding to parent wallet
Supported
Use Apple Pay to fund the parent wallet.
Google Pay funding to parent wallet
Supported in some flows including Fitbit Ace LTE
Phone based Google Pay for the child card is not generally supported in the UK.
Applying for the GoHenry Prepaid Card
Apply online or in-app in ~5 minutes. Create a parent account, add each child, pick a card design, and complete standard ID/address checks (no credit check). Cards typically arrive in 5–7 working days. The 30-day free trial starts immediately; after activation you can set chores, allowance, limits, and alerts in the app. UK residents only.
Limits & KYC
Topic
Detail
Daily ATM withdrawal
£120 and up to 3 withdrawals. Parent can lower in app.
Contactless usage
Card must be used with chip and PIN first. Follows UK contactless rules. Blog notes £100 single contactless limit for adults; parents can set lower spend limits for kids.
Age eligibility
6 to 18. Apple Pay from 13.
KYC
Parent identity and address checks. Per general terms.
App & Features
Feature
Detail
Money Missions
100 plus interactive lessons and quizzes to build money skills.
Tasks and chores
Set paid tasks, automate weekly pocket money, instant transfers.
Parental controls
Spend limits, merchant blocks, real time alerts and card freeze.
Savings and interest
Savings jars in app. Plus and Max advertise variable AER on savings in selected flows. Junior ISA available.
Digital wallets
Apple Pay for 13 plus. Google Wallet via Fitbit Ace LTE integration.
Who It's For
Best for
Families who want structured learning, granular controls and fee free card usage from GoHenry’s side at home and abroad. Apple Pay from age 13 is helpful for teens.
Not ideal for
Those who want unlimited free top ups on the entry plan or full phone based Google Pay support for UK cards. Everyday has a 50p fee after the first monthly top up.
Pros & Cons
Pros
-
Clear pricing with family Max plan for up to four kids
-
No GoHenry fee for purchases and ATM withdrawals at home and abroad
-
Apple Pay support for teens
-
Strong parental controls and learning content
Cons
-
Everyday plan charges 50p after the first top up each month
-
Google Pay on phones not generally supported for UK cards
-
ATM operator fees can still apply
Awards and Recognition
GoHenry has gained strong user-review ratings for usability and financial-education features in the kids-finance space. While specific major awards are not prominently listed, it is widely recognised in children’s finance reviews and comparison tables for “best kids debit cards”.
Awards and Recognition
GoHenry has gained strong user-review ratings for usability and financial-education features in the kids-finance space. While specific major awards are not prominently listed, it is widely recognised in children’s finance reviews and comparison tables for “best kids debit cards”.
How It Compares
At a glance: GoHenry focuses on education and parental oversight. Many rivals charge similar monthly fees but may differ on top up charges or ATM policy.
Feature
GoHenry prepaid Visa
Typical bank youth account
Other kids prepaid card
Annual or monthly fee
From £3.99
Often £0
Varies
Card purchases
Varies
ATM fee
£0 GoHenry fee
Often £0 UK, FX abroad
Varies
FX fee
£0 GoHenry fee
Often FX fee
Varies
Alternatives to Consider
HyperJar for kids
No monthly fee and useful jars based budgeting.
NatWest Rooster Money
Kids prepaid option with chore features and plan tiers.
Starling Kite
Child card on a parent Starling account with app controls.
Ratings
Category
Score 1 to 5
Weight
Notes
Fees and FX
No GoHenry fee for purchases and ATM at home and abroad; DCC may add cost if paying in GBP.
ATM and cash
UK and abroad £0 GoHenry fee; daily ATM limit £120 and 3 withdrawals.
Topups
Everyday one free top up then 50p; Plus and Max unlimited.
Features and app
Tasks, Money Missions, alerts, Apple Pay 13 plus.
Support and trust
Established UK program with clear community help and updated terms.
Compliance & Methodology
Regulatory
E money with safeguarding applies. FSCS does not apply to e money balances. See general terms.
Data sources
GoHenry pricing and plan pages; Help Centre articles on top ups, Apple Pay, ATM use and limits; general terms. Verified on 11 Oct 2025.
Editorial policy
Independent, fact‑checked comparison. Click here for editorial guidelines.
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