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Paying in cash is far less popular than it used to be. It’s now much more common to make purchases with a credit or debit card. Even kids are paying for purchases with cards these days.

Since you’re here, you’re likely ready to give your kid their first debit card—one you can easily monitor to ensure your child is spending responsibly. Copper and Jassby both offer great kids’ debit cards (and other useful account features), but there are some big differences between the two.

Today, I’m going to give you an in-depth look into both Copper and Jassby. For each account, I’ll provide an overview, costs, and notable features. I’ll also show their stats side by side for a quick comparison. Just in case neither card seems like the perfect fit for your family, I’ll also highlight a few other competitive kids’ debit cards worthy of consideration.

Copper vs. Jassby Comparison


copper logo transparent text thin leftAffiliate CTA Apply Nowjassby logo transparent text thin leftAffiliate CTA Apply Now
WealthUp Rating☆ 4.4 / 5☆ 3.7 / 5
App Store Rating☆ 4.9 / 5☆ 4.4 / 5
Price*Copper: $4.95/mo.
Copper + Invest: $7.95/mo.
$5.95/mo.
BillingMonthlyMonthly
Special OfferFree 30-day trialMonthly fee waived during first month of service
Allowed Cards Per Subscription56 (across both adults and minors)
Minimum Age**6None
Features That Make This Card Stand ApartEarn money by filling out surveysRewards, financial literacy materials

Basics

copper logo transparent text thin leftjassby logo transparent text thin left
SpendingYesYes
SavingYesYes
InvestingCopper: No
Copper + Invest: Yes (ETF-only smart portfolios)
No
Giving/DonatingNoYes

Funding

copper logo transparent text thin leftjassby logo transparent text thin left
Funding Source(s)Bank account, debit cardBank account, debit card
Direct DepositYesNo
AllowanceYesYes
ChoresYesYes
GiftingNoNo
Cash Reload FeeN/A (No cash reload)N/A (No cash reload)

Saving/Spending

copper logo transparent text thin leftjassby logo transparent text thin left
Savings APYCopper: 2.0%
Copper + Invest: 5.0%
N/A
Round-UpsYesNo
Other Savings FeaturesDivvyNone
ATM NetworkAllpoint (55,000+ ATMs)No ATM access
ATM Transaction Fee$0 (Operator fee may apply at out-of-network ATMs)N/A
Card NetworkMastercardMastercard
Compatible Mobile WalletsApple Pay, Google PayApple Pay, Google Pay, Samsung Pay

Parents

copper logo transparent text thin leftjassby logo transparent text thin left
Parental ControlsLow (Card lock, auto-blocks "inappropriate content")Medium (Transaction type-level controls)
Parental MonitoringYesYes
Parental NotificationsYesYes

Other Features

copper logo transparent text thin leftjassby logo transparent text thin left
Cash BackNoNo
Builds CreditNoNo
Customization optionsNoNo
Refund PolicyNo refunds given, month-to-month pricingNo refunds given, month-to-month pricing
Affiliate CTA Apply NowAffiliate CTA Apply Now
* Prices do not include processing fees when applicable.
** Many cards have different suggested minimum ages. We are only listing any hard-and-fast minimum age requirements.

Copper Overview


copper banking

Copper Banking is a fintech app with a prepaid debit card that provides digital banking for minors. While Copper Bank is entirely online, customer deposits are FDIC-insured through their banking partner, Evolve Bank & Trust.

Copper was founded on the belief that kids and teens should have equal access to financial education and should be empowered to learn by doing. Now, the company is on a mission to help children gain real-world experience by giving them access to their money in a way that traditional banks can’t.

The Copper app and debit card teaches your child how to make smart financial decisions by creating a platform where parents and their kids can connect. With the Copper app, you get easy snapshots of your accounts. And with the Copper Debit Card, it’s easy to shop in-store or online, including with Apple Pay or Google Pay.

Plus, users get exclusive access to engaging advice curated by a team of financial literacy experts who provide tips on how to take control of their financial future.

Copper is available to kids age 6 and older. A parent can add up to five kids (and thus five Copper Cards) with each subscription.

Related: 25 Best Jobs for 15-Year-Olds [In-Person + Online]

Copper Plans + Costs


child kid debit credit card swipe

Copper has two plans to choose between:

PlanMonthly FeeFeatures Offered Under Plan
Copper$4.95

    - Copper Cards for up to five kids
    - Earn 2.00% on savings
    - Smart savings with Divvy and RoundUps
    - Automatic allowance
    - Instant P2P money transfers
    - Parental controls
    - Built-in financial education
    - Mastercard Zero Liability Protection
Copper + Invest$7.95Everything under the Copper plan, plus:

    - Investing for kids
    - Earn 5.00% on savings
    - Priority support

In addition to a monthly fee, other fees may apply. For instance, you will incur a $4.95 fee any time you load cash onto the card via the Green Dot network of retailers. You will also incur a fee for instant debit transfers; the fee is 2.5% of the total amount + 30¢ per transaction.

Related: 7 Best Investments for Kids [Investing for Children]

Copper Features


parents teen debit credit card payment

Copper Card

The Copper Card is a Mastercard-branded debit card that can be used for shopping at physical stores or online, as well as for withdrawing cash at more than 55,000 fee-free ATMs. This means your kid can spend virtually anywhere—Mastercard is accepted in more than 210 countries worldwide—with the exception of any vendors flagged for “inappropriate content.”

Parents can put money onto their kids’ Copper Cards for free from their Copper wallet. Parents have two ways of funding their Copper wallet:

  • Bank transfer: Transfers from a linked bank account are free and take three to five business days to clear.
  • Debit card transfer: These transfers cost 2.5% of the total amount +30¢ per transaction and the money instantly hits accounts.

You can manually initiate transfers or set up Auto-Reload to add money any time funds fall below a predetermined threshold.

Kids with Copper accounts can also send money to each other. So if a sibling borrows money, it’s easy to pay it back.

Cardholders benefit from Mastercard Zero Liability Protection. This means you and your child aren’t held responsible for any unauthorized transactions as long as you used reasonable care to protect the card from loss or theft and promptly reported any fraudulent charges to Copper.

Savings

Copper accounts also have a savings area. Kids can create savings goals and put money away toward those goals. Copper will help that money grow faster by paying interest in any money saved. The annual percentage yield (APY) varies by plan: Copper users get a 2% APY on savings, while Copper + Invest users get 5%.

Related: Best Automatic Savings Apps + Accounts

Parental Controls + Card Limits

Copper has adequate parental controls. Parents get real-time alerts on children’s transactions, so they’re always up-to-date on kids’ spending habits. The adults also have the option to freeze the card at any time to stop spending.

Copper has its own card limits in place as well, including the following restrictions:

  • Daily deposit limit (debit card or ACH): $500
  • Monthly deposit limit (debit card or ACH) $2,000
  • Daily spending/transfer limit: $2,000

You can, of course, instruct your child that you have stricter limits, if you so choose. But no matter what, your kid won’t be able to exceed these limits, even if there’s an emergency.

Copper also has a “merchant shield” so your kids can’t make purchases with any vendors flagged for inappropriate content.

Investing (Copper + Invest Only)

With Copper + Invest ($7.95 per month), your child also gets access to an easy starter investment platform that uses automatically curated smart portfolios built with their preferences in mind. While I personally prefer self-directed investing (you pick whatever stocks and funds you’d like), smart portfolios allow people with little investing knowledge to start putting their money to work in an effective way. Thus, they’re perfect for children.

Your child is given a questionnaire that helps Copper determine a portfolio based on their age, income, net worth, investment objective(s), and investment horizon. Copper then recommends one of three ETF portfolios—Moderately Aggressive, Aggressive, and Extra Aggressive—made up of thousands of stocks. Parents can review the portfolio to ensure it matches with not just your child’s preferences, but your family’s. (Portfolios can be changed later by accessing the Support chat.)

Your child can begin investing for as little as $1, then add more contributions down the road. Copper will automatically rebalance the portfolio as needed to make sure it always keeps up with your child’s investment preferences.

Related: Best Micro-Investing Apps

Allowance

Parents also can pay their kids an allowance using Copper. You have the choice of an automatic allowance or one-time payments when your kids need or request them. (And if you set up an automatic allowance, but your kid hasn’t exactly been on their best behavior, you can skip payments as needed.)

Tasks + Earn

Copper also has a chores feature called Tasks. To teach your kids the concept of earning, you can set up Tasks, such as cleaning, homework, or babysitting. Once the Task is marked as complete, the child gets paid. Tasks can be set up on a one-time basis or made to repeat.

Kids can also get paid through the Earn feature. When they complete surveys, they collect “creds” that can be cashed in for real money. (Parents don’t have to foot this cost—Copper covers it!)

Related: 40+ Ways to Earn Money as a Teenager

RoundUps

Copper’s round-up feature, RoundUps, helps children and teens save money every time they make a purchase. It’s simple: Every purchase is rounded up to the nearest dollar, and the change is put toward your kid’s savings goals. (Example: If your child spends $2.50 on candy, 50¢ will be put into their savings.)

Related: Best Round Up Apps + Savings Accounts

Financial Education + Literacy Development

Copper wants kids to build the financial literacy skills they’ll need to succeed. To help them, it has hired financial literacy experts to develop their literacy development content, including:

  • Liz Frazier, Copper’s Executive Director of Financial Education. Frazier is the author of the book Beyond Piggybanks and Lemonade Stands.
  • Lily Lapenna, Copper’s Financial Literacy Advisor. Lapenna has been recognized by Queen Elizabeth and the World Economic Forum for her work in personal finance.

Money Moves

Learning financial skills is helpful, but the process isn’t always fun. But Copper keeps things light via its = Money Moves—short videos that are organized into the following categories:

  • Debt
  • Budgeting
  • Investing
  • Saving

Each video answers a question children are likely to wonder about, such as “How do debit cards work?” and “What is the lottery?”

Direct Deposit + Divvy

Teens with their own jobs can take advantage of the direct deposit feature. Their paychecks will be instantly deposited into their Copper accounts—and by using direct deposit, they can get paid up to two days early.

Copper also offers a feature called Divvy that allows you to automatically put aside a percentage of each paycheck toward savings and/or investing.

You can sign up for Copper here.

Related: Best Investment Apps and Platforms

Jassby Overview


Jassby signup

Jassby is a mobile wallet app that families can use to manage chores, allowance payments, and money spent on the company’s flexible virtual and physical debit cards.

When you open a Jassby account, you receive digital debit cards that can be used online, as well as in-store anywhere Apple Pay, Google Pay, or Samsung Pay is accepted. But for extra flexibility, parents can order physical debit cards for their children that are good to use anywhere Mastercard is accepted.

Parents transfer money to their children’s Jassby debit cards via a linked bank account or debit card. Parents can receive real-time spending notifications, monitor the account, track purchases, block certain spending categories, and instantly lock or unlock their kids’ debit cards as needed.

The app also allows parents and guardians to share money with their kids while teaching them valuable financial literacy skills. Jassby offers courses, videos, games, and more through its Jassby University feature.

Jassby has an easy-to-use allowance function—just pick the amount, distribution (Spending and/or Saving account), frequency, and day of the week or month. Kids can also learn the merits of earning through Jassby through Activities (chores), or they can earn Jassby Rewards by logging into their accounts, receiving allowance, or even by completing Jassby University courses. (100 points = $1, which can be automatically transferred to the Jassby Spending account.)

There is no minimum age requirement to use the Jassby card, but Jassby says most kid members are between the ages of 8 and 17.

Related: Best Savings Accounts for Kids [Children’s Bank Accounts]

Jassby Plans + Costs


Jassby has just one paid subscription tier.

PlanMonthly FeeFeatures Offered Under Plan
Jassby$5.95/mo.

    - Jassby card for up to six family members
    - Parental controls
    - Financial literacy materials
    - Giving/donating capabilities
    - Rewards program

The monthly fee is waived for the first month of service. Those who created Essential Plan accounts before April 1, 2023, are grandfathered in at a rate of $3.95 per month.
Replacement cards cost $4.95 plus tax.

Related: 25 Best Jobs for 15-Year Olds

Jassby Features


brokerage account father daughter laptop tablet

These are some of the most prominent features of Jassby. The account aims to be easy to use for both kids and adults.

Jassby Card

The Jassby card you receive upon opening your account is digital-only—you can receive a physical Mastercard debit card for free, but you must request it. Both forms are accepted anywhere Mastercard is accepted.

The digital card can be used online, and it can also be added to Apple Pay, Google Pay, and Samsung Pay for use in stores and other in-person locations. The physical card can be used both online and at in-store locations.

One Jassby account allows you to have up to six cards. And unlike many accounts that provide one parent card and all remaining cards for kids, you can spread Jassby’s six cards across multiple children and multiple adults.

Parental Controls

Jassby has several parental controls worth mentioning.

Jassby automatically restricts kid spending for anything categorized as dating services, liquor stores, lottery/gambling, and money transfers. Parents can also manually restrict certain spending categories, including clothing stores, digital goods, restaurants, and retail stores.

Parents can monitor transactions, receive spending notifications, and quickly lock and unlock the card from the app.

Jassby doesn’t offer dollar-amount controls. But because kids can only spend what’s in the account, parents can limit spending simply by managing how much money is in their children’s accounts.

Financial Literacy

Jassby University is the app’s robust financial literacy feature. Lessons include topics on saving, budgeting, and more. This all feeds a proprietary Jassby Financial Literacy score that reflects their progress, and kids are rewarded with points as they learn.

Rewards

Speaking of points, Jassby Rewards are a great motivator. Kids can earn points by doing basic financial actions such as logging into their accounts every week, making transactions, and receiving allowance. Plus, as I just mentioned, they can also earn points by learning about money. Jassby’s points system allows a kid to redeem 100 points for $1, which is put into their Jassby Spending account.

Giving Back

Through Jassby, kids can see how donating small amounts of money to a charity can make a difference, helping parents teach their children the importance of giving back. (Note: When kids go to the Charity section of the app, they will be sent to an external link listing charities—so don’t be surprised when it seems like you’re exiting.)

You can sign up for Jassby here.

Related: Best Teen Checking Accounts [Banks for Teens]

Copper vs. Jassby: Our Editors’ Choice Is …


When looking at these two cards side-by-side, we think that Copper provides more value for most families. Kids earn interest on their savings. To save even faster, they can enable Round-Ups and/or Divvy. Those with Copper + Invest can even use the investing app for teens to invest in smart portfolios. None of this is offered through Jassby.

This isn’t to say that Jassby is a bad option. Like Copper, it promotes financial literacy and makes it easy for parents to pay an allowance or for chores. Plus, the fee is waived for the first month, so you can try it out without fully committing.

However, Jassby simply can’t match all of the features Copper offers, so Copper is the winner here. If you’re interested in trying it out, you can sign up for Copper here.

Our Pick: Copper
Runner-Up: Jassby
4.4
3.7
Our Pick: Copper
Runner-Up: Jassby

Related: 26 Best Online Jobs for Teens [Earn Money at Home, Age 13+]

Other Debit Cards for Kids to Consider


If you’re still not convinced on Copper or Jassby, you might want to look at these other highly rated options:

AppApple App Store Rating
+ Best For
FeesPromotions
greenlight transparent logo thinGreenlight☆ 4.8 / 5
Customer rating and parental controls
1 month free. Core: $4.99/mo. Max: $9.98/mo. Infinity: $14.98/mo. (Each plan supports up to 5 children.)Free 1-month trial
copper logo thinCopper Banking☆ 4.9 / 5
Teen financial independence
Copper $4.95/mo., Copper + Invest: $7.95/mo.30-days free
gohenry logo thinGoHenry☆ 4.6 / 5
Accessible customer service support
1 month free. Individual: $4.99/mo. Family (supports up to 4 children): $9.98/mo.1 month free
revolut logo thinRevolut <18☆ 4.7 / 5
Parent-paid bonuses
No monthly feesNone
Axos Bank logoAxos First Checking☆ 4.7 / 5
Teens ready to learn about money management
Free (no monthly fees)None
*Apple App Store Rating as of April 1, 2024.

Related:


Revolut <18 Disclosure

The Revolut prepaid card is issued by Community Federal Savings Bank, Member FDIC, pursuant to license by Visa.

About the Author

Riley Adams is the Founder and CEO of WealthUp (previously Young and the Invested). He is a licensed CPA who worked at Google as a Senior Financial Analyst overseeing advertising incentive programs for the company’s largest advertising partners and agencies. Previously, he worked as a utility regulatory strategy analyst at Entergy Corporation for six years in New Orleans.

His work has appeared in major publications like Kiplinger, MarketWatch, MSN, TurboTax, Nasdaq, Yahoo! Finance, The Globe and Mail, and CNBC’s Acorns. Riley currently holds areas of expertise in investing, taxes, real estate, cryptocurrencies and personal finance where he has been cited as an authoritative source in outlets like CNBC, Time, NBC News, APM’s Marketplace, HuffPost, Business Insider, Slate, NerdWallet, Investopedia, The Balance and Fast Company.

Riley holds a Masters of Science in Applied Economics and Demography from Pennsylvania State University and a Bachelor of Arts in Economics and Bachelor of Science in Business Administration and Finance from Centenary College of Louisiana.