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goHenry review

Updated October 17, 2026 · VaultCue Editorial Team

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Our verdict

GoHenry in the UK offers a prepaid debit card for children with an app that helps families track spending, budgets and savings goals. Its described value is parental oversight and money-management practice, not credit.

Key facts

Best for
UK families looking for a child prepaid card with parental visibility of spending and savings.
Monthly fee
£3.99↗
Transfer fee
Free transfers from parent account to child card with every plan↗
Legal entity
IDT Financial Services Limited↗
Audience
Teens
Official website
gohenry.com

Facts checked October 17, 2026, 2 sources

Pros

Pros

  • The app supports spending, budget and savings-goal tracking.
goHenry

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Scored 8.2 / 10 by VaultCue.

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Who it suits

  • UK families looking for a child prepaid card with parental visibility of spending and savings.

Who should look elsewhere

  • Families seeking a child credit card or borrowing facility.

Spending and savings oversight

The app describes tracking spending, budgets and savings goals with parental support.

Company background

The service is run by IDT Financial Services Limited, which provides the prepaid card and the platform. Its aim is to help children and teenagers learn to earn, save and spend, with lessons built into the product itself. A business of this kind operates within the United Kingdom financial sector, and families begin using it to build good money habits from an early age. Its focus stays on younger users, with content and features built for different ages.

Investing and savings options

Investment options sit within the wider range and aim to build money for a child's future over many years. Investments can fall as well as rise, and past movements do not predict later results. Savings held in the platform may grow unevenly over time and come with their own conditions. Parents should read the terms for each option before deciding which route suits their child.

Use within the United Kingdom

The service is aimed at families in the United Kingdom, where the card is used for everyday spending and where money can be moved from a parent account onto the child's card. Because the product is built around UK financial rules, families elsewhere may find that the features and protections may differ. Anyone living outside the country should check how the arrangement would work in their own area before relying on it.

Lessons and parental role

Lessons inside the platform introduce saving, investing, earning and spending in short steps that suit younger users. Parents can follow activity and talk through choices with their child, so the card becomes a practice space rather than a cause of unplanned debt. Children gain practical experience with real money in a controlled setting, which can build confidence before they manage larger sums on their own. This approach can make money matters feel less abstract for children.

Our full take

goHenry offers a debit card and app for kids where parents set up allowance and chores, set spending limits and receive real-time alerts, with savings goals for children.

How goHenry compares

Frequently asked questions

What money skills do the lessons cover?+

Lessons and experiences introduce saving, investing, earning and spending in short, playful steps. The aim is to build habits that last from a young age, so children can grow into confident money managers. Parents can follow progress alongside their child's account and encourage good choices together at home.

Who is the card and platform aimed at?+

The card and platform are aimed at children and teenagers across a broad span of school years. Younger users get simpler lessons, while older users can handle more detailed choices about spending and saving. Parents remain involved throughout, which keeps the experience supervised and shared at home.

What happens to money held for a child's future?+

Funds held in investment options stay in place over the long term, with access intended to pass to the child once they reach adulthood. Values can fall as well as rise during that period. Families should expect ups and downs and review the conditions before adding money.

Does goHenry charge a monthly fee?+

The monthly fee at goHenry is £3.99. (Source, checked October 17, 2026)

Which company operates goHenry?+

goHenry is operated by IDT Financial Services Limited. (Source, checked October 17, 2026)

Sources

  • gohenry.com checked October 17, 2026

    Backs: Audience, Description

    “Our smart money app and prepaid debit card helps kids & teens learn to earn, save, spend.”

  • gohenry.com/uk/pricing checked October 17, 2026

    Backs: Monthly fee, Transfer fee

    “From just £3.99 a month, children get a head start in life while parents are given the tools to support and guide.”

  • gohenry.com/uk/terms-and-conditions/privacy-policy checked October 17, 2026

    Backs: Legal entity

    “IDT Financial Services Limited ( "IDT" ) is the issuer and operator of the GoHenry card.”

Compiled from 3 source pages, checked October 17, 2026. We did not open an account.

Not confirmed yet: Licence type, Deposit protection, Currency conversion fee, Currencies.

goHenry

goHenry

UK families looking for a child prepaid card with parental visibility of spending and savings.

8.2/10See alternatives