Build customers for life. Start with the kids.
A white-label family money app that runs on your accounts and carries your brand. Families get what GoHenry, Greenlight and Spriggy offer, from the bank they already trust, without a monthly subscription to someone else.
Money has gone invisible
Kids no longer see money change hands, so pocket money just appears from the bank of mum and dad. Parents want help teaching it, and fintech apps are the ones offering that help.
Struggle to teach digital money
Almost half of parents find it hard to teach kids about digital transactions and managing money online.
Kids use parents' cards
Children have used a parent's card or saved bank details to shop online, often without asking.
Banks prioritise youth
Fewer than 5% of banks treat child and youth financial inclusion as a priority. That leaves the field open.
Your families are already paying someone else
Kids' money apps are now a serious business. Every family that signs up gives a fintech the child's first card, the parent's monthly fee and the household relationship.
A pocket money app with a prepaid Visa card for ages 6–17, plus chores, goals and, more recently, investing and kids' mobile plans. It is not owned by a bank.1
A debit card and family finance app sold directly to families on subscription, and to banks and credit unions as a co-branded partner program.4
A kids' debit card and Money Missions app. In June 2026 Barclays agreed to buy the UK business so it could own the family relationship.7
Build
Fund an in-house youth app and team, as CBA did with Kit.
Big-bank budgetBuy
Acquire a fintech and its customers, as Barclays is doing with GoHenry.
Big-bank balance sheetRent
Offer a fintech's app to your customers, co-branded with your name.
Their app, their roadmapOwn it with Chore Scout
A complete family money app in your brand, on your accounts, without building or buying a fintech.
Your brand · your ledger · your dataBuilt for kids. Run by your bank.
Bright and bold, so kids actually open it. Underneath, the money is real and it sits in your accounts.
Home
Three jars, a weekly spending limit that resets on Monday, the next allowance and progress on missions.
Jobs that pay
Kids do the job, the Guardian approves it, and real money lands in their account. Jobs can be sent back with a note.
Money
Pay from Spend, see each payday, and choose a charity for the Give jar.
Missions, not leaderboards
Saving, Spending and Helping missions reward good habits. Kids are never ranked against each other.
Your bank, front and centre
Every screen carries your bank's name and brand, with one Guardian in control.
These are prototype screens with sample data. The production app takes on your bank's brand.
One app for the whole family
Kids learn by doing, Guardians stay in control, and your bank keeps the relationship.
For kids
Spend, Save, Give
Every dollar has a job. Kids split their pay across three jars and see each one grow.
Jobs that pay
Kids mark a job done, the Guardian approves it, and the money arrives in a real account.
Missions and badges
Saving, Spending and Helping missions, powered by Moroku Odyssey. Nobody gets ranked, and there are no random rewards.
Teen card with tap-to-pay
From 13, with the Guardian's approval, teens get a real virtual card on their Spend jar.
Grows up with them
Little Scouts and Trailblazers are two looks for two ages, so the app keeps up as kids grow.
For Guardians
Allowance your way
Choose Free, Linked (paid when the jobs are done) or Earned for each child. It's paid automatically every week.
One weekly spending limit
Set one limit that covers all spending. Kids always see how much they have left this week.
Giving that's real
Give money only ever goes to a chosen charity. It can't be moved back into Spend or Save.
Full visibility
See jobs, pay, jars and spending in your banking app, and approve with one tap.
Safe sign-in
Kids sign in with their email and a one-time code from the bank, so there are no PINs or QR codes to share.
For your bank
White label, end to end
Your name, colours and logo throughout. Families never see a third-party brand.
Deposits stay with you
Jars, jobs and allowances run on your own accounts and ledger. No prepaid float sits with a fintech.
No subscription for families
You set the proposition. Charge nothing and win the household, where competitors charge every month.
Core agnostic
The Moroku Digital Services Layer (DSL) connects Chore Scout to your core, so the core becomes a routing decision.
A household acquisition engine
One child's account brings in Guardians, siblings and grandparents, then carries through to a first job, a first car and a first home.
Compete with the apps, keep the customer
Chore Scout gives you the features families want from a kids' money app, without handing over the relationship.
| Standalone kids' app e.g. Spriggy, GoHenry, Greenlight sold direct | Co-branded partner app e.g. Greenlight for Banks | Chore Scout | |
|---|---|---|---|
| Brand the family sees | The fintech's | The fintech's app, with your name alongside | Yours, end to end |
| Where the money sits | On the fintech's card or with its partner bank | With the partner's bank, or with you if you opt in | In your accounts, on your ledger |
| Who pays | Families, every month | Your bank pays the fintech | Your bank licenses it and sets the family price, which can be zero |
| Who owns the relationship and data | The fintech | Shared | Your bank |
| Product roadmap | The fintech's | The fintech's | Configurable for your market, through the DSL and Odyssey |
| Path to adult products | Into the fintech's own products | Cross-sell through a third-party app | Straight into your accounts, cards and loans |
This compares typical operating models, not every plan or partner arrangement. Competitor details are from their public materials as of 2026 (see sources).
Chore Scout child & Guardian apps
In your brand, in two age bands
Moroku Digital Services Layer
Secure APIs, orchestration and the rules for family money
Your core banking
Accounts, ledger, cards
Moroku Odyssey
Missions and engagement
Connects to your core
Chore Scout sits on the same Moroku stack that runs digital banking for Australian mutuals. The DSL takes care of core integration, so you launch a family proposition rather than an IT project.
- Core agnostic: works with Mambu, Temenos, Ultracs, TCS and others through the DSL
- Real accounts, transfers and allowances run on your ledger
- Virtual cards for teens, with spending held to the Guardian's weekly limit
- Odyssey missions are configured by your team without a code release
- Start with On Ramp, Moroku's 12-week design engagement
Why youth banking matters
Early banking relationships last.
Ready to win the next generation?
Barclays agreed to buy GoHenry to own the family relationship.7 With Chore Scout, you can own it without buying a fintech or building from scratch.
- Spriggy FAQ, spriggy.com.au/faq
- Spriggy landing page, "Join over 1.3 million Aussie members", spriggy.com.au
- Spriggy plans, spriggy.com.au/plans (Spriggy Classic, $5 per month billed annually)
- American Banker, "Gen Z financial app provider turns its sights on banks" (Greenlight for Banks)
- Greenlight, press release, July 2026 (Business Wire): more than 200 bank, credit union and employer partners
- Bankrate and BestMoney Greenlight reviews, 2026 plan pricing
- Barclays announcement, 12 June 2026, via Open Banking Expo: Barclays Bank UK to acquire GoHenry from Acorns
- The Guardian, via press coverage, June 2026: about 500,000 UK children use GoHenry
- Banking Geek, GoHenry review 2026 (UK pricing)
Build customers for life. Start with the kids.
A white-label family money app that runs on your accounts and carries your brand. Families get what GoHenry, Greenlight and Spriggy offer, from the bank they already trust, without a monthly subscription to someone else.
Money has gone invisible
Kids no longer see money change hands, so pocket money just appears from the bank of mum and dad. Parents want help teaching it, and fintech apps are the ones offering that help.
Struggle to teach digital money
Almost half of parents find it hard to teach kids about digital transactions and managing money online.
Kids use parents' cards
Children have used a parent's card or saved bank details to shop online, often without asking.
Banks prioritise youth
Fewer than 5% of banks treat child and youth financial inclusion as a priority. That leaves the field open.
Your families are already paying someone else
Kids' money apps are now a serious business. Every family that signs up gives a fintech the child's first card, the parent's monthly fee and the household relationship.
A pocket money app with a prepaid Visa card for ages 6–17, plus chores, goals and, more recently, investing and kids' mobile plans. It is not owned by a bank.1
A debit card and family finance app sold directly to families on subscription, and to banks and credit unions as a co-branded partner program.4
A kids' debit card and Money Missions app. In June 2026 Barclays agreed to buy the UK business so it could own the family relationship.7
Build
Fund an in-house youth app and team, as CBA did with Kit.
Big-bank budgetBuy
Acquire a fintech and its customers, as Barclays is doing with GoHenry.
Big-bank balance sheetRent
Offer a fintech's app to your customers, co-branded with your name.
Their app, their roadmapOwn it with Chore Scout
A complete family money app in your brand, on your accounts, without building or buying a fintech.
Your brand · your ledger · your dataBuilt for kids. Run by your bank.
Bright and bold, so kids actually open it. Underneath, the money is real and it sits in your accounts.
Home
Three jars, a weekly spending limit that resets on Monday, the next allowance and progress on missions.
Jobs that pay
Kids do the job, the Guardian approves it, and real money lands in their account. Jobs can be sent back with a note.
Money
Pay from Spend, see each payday, and choose a charity for the Give jar.
Missions, not leaderboards
Saving, Spending and Helping missions reward good habits. Kids are never ranked against each other.
Your bank, front and centre
Every screen carries your bank's name and brand, with one Guardian in control.
These are prototype screens with sample data. The production app takes on your bank's brand.
One app for the whole family
Kids learn by doing, Guardians stay in control, and your bank keeps the relationship.
For kids
Spend, Save, Give
Every dollar has a job. Kids split their pay across three jars and see each one grow.
Jobs that pay
Kids mark a job done, the Guardian approves it, and the money arrives in a real account.
Missions and badges
Saving, Spending and Helping missions, powered by Moroku Odyssey. Nobody gets ranked, and there are no random rewards.
Teen card with tap-to-pay
From 13, with the Guardian's approval, teens get a real virtual card on their Spend jar.
Grows up with them
Little Scouts and Trailblazers are two looks for two ages, so the app keeps up as kids grow.
For Guardians
Allowance your way
Choose Free, Linked (paid when the jobs are done) or Earned for each child. It's paid automatically every week.
One weekly spending limit
Set one limit that covers all spending. Kids always see how much they have left this week.
Giving that's real
Give money only ever goes to a chosen charity. It can't be moved back into Spend or Save.
Full visibility
See jobs, pay, jars and spending in your banking app, and approve with one tap.
Safe sign-in
Kids sign in with their email and a one-time code from the bank, so there are no PINs or QR codes to share.
For your bank
White label, end to end
Your name, colours and logo throughout. Families never see a third-party brand.
Deposits stay with you
Jars, jobs and allowances run on your own accounts and ledger. No prepaid float sits with a fintech.
No subscription for families
You set the proposition. Charge nothing and win the household, where competitors charge every month.
Core agnostic
The Moroku Digital Services Layer (DSL) connects Chore Scout to your core, so the core becomes a routing decision.
A household acquisition engine
One child's account brings in Guardians, siblings and grandparents, then carries through to a first job, a first car and a first home.
Compete with the apps, keep the customer
Chore Scout gives you the features families want from a kids' money app, without handing over the relationship.
| Standalone kids' app e.g. Spriggy, GoHenry, Greenlight sold direct | Co-branded partner app e.g. Greenlight for Banks | Chore Scout | |
|---|---|---|---|
| Brand the family sees | The fintech's | The fintech's app, with your name alongside | Yours, end to end |
| Where the money sits | On the fintech's card or with its partner bank | With the partner's bank, or with you if you opt in | In your accounts, on your ledger |
| Who pays | Families, every month | Your bank pays the fintech | Your bank licenses it and sets the family price, which can be zero |
| Who owns the relationship and data | The fintech | Shared | Your bank |
| Product roadmap | The fintech's | The fintech's | Configurable for your market, through the DSL and Odyssey |
| Path to adult products | Into the fintech's own products | Cross-sell through a third-party app | Straight into your accounts, cards and loans |
This compares typical operating models, not every plan or partner arrangement. Competitor details are from their public materials as of 2026 (see sources).
Chore Scout child & Guardian apps
In your brand, in two age bands
Moroku Digital Services Layer
Secure APIs, orchestration and the rules for family money
Your core banking
Accounts, ledger, cards
Moroku Odyssey
Missions and engagement
Connects to your core
Chore Scout sits on the same Moroku stack that runs digital banking for Australian mutuals. The DSL takes care of core integration, so you launch a family proposition rather than an IT project.
- Core agnostic: works with Mambu, Temenos, Ultracs, TCS and others through the DSL
- Real accounts, transfers and allowances run on your ledger
- Virtual cards for teens, with spending held to the Guardian's weekly limit
- Odyssey missions are configured by your team without a code release
- Start with On Ramp, Moroku's 12-week design engagement
Why youth banking matters
Early banking relationships last.
Ready to win the next generation?
Barclays agreed to buy GoHenry to own the family relationship.7 With Chore Scout, you can own it without buying a fintech or building from scratch.
- Spriggy FAQ, spriggy.com.au/faq
- Spriggy landing page, "Join over 1.3 million Aussie members", spriggy.com.au
- Spriggy plans, spriggy.com.au/plans (Spriggy Classic, $5 per month billed annually)
- American Banker, "Gen Z financial app provider turns its sights on banks" (Greenlight for Banks)
- Greenlight, press release, July 2026 (Business Wire): more than 200 bank, credit union and employer partners
- Bankrate and BestMoney Greenlight reviews, 2026 plan pricing
- Barclays announcement, 12 June 2026, via Open Banking Expo: Barclays Bank UK to acquire GoHenry from Acorns
- The Guardian, via press coverage, June 2026: about 500,000 UK children use GoHenry
- Banking Geek, GoHenry review 2026 (UK pricing)