Kachinga™ helps parents raise financially smart kids by combining an intuitive allowance, chore, and savings management app with a secure debit card for kids with parental controls to provide critical real-world money experience.
Kachinga empowers kids by giving them age-appropriate ideas how to earn money and the freedom to make their own money decisions in a safe and controlled environment. And gives parents peace of mind by making it super easy to transfer money (no more trips to the ATM!), providing transparency and controls for kids’ spending, and delivering personalized financial literacy guidance and tools to help teach kids how to manage money responsibly.
Kachinga uses a reloadable debit card which means kids can only spend what parents put on the card. This means no overspending and no unexpected overdraft fees. Ever.
FOR PARENTS – CONVENIENCE & PEACE OF MIND
- Automate allowances & paid chores
- Instantly transfer money to kids’ cards
- Manage paid & unpaid chores
- Get real-time spending & chore notifications
- Set parent-paid interest rates for all savings
- Automatically match funds for each Save goal
- Turn card on/off from the app
- View kids’ account histories & trends
- Invite others to contribute to kids’ Save goals
FOR KIDS & TEENS – FREEDOM & RESPONSIBILITY
- Use their own app to manage their money
- Track Spend, Save & Give account balances
- View & manage chores
- Request paid chores
- Create savings & giving goals
- Shop online & in stores with their own card
- Use Apple Pay
- Turn card on/off from the app
- View account history & trends
SECURITY YOU CAN COUNT ON
- No hidden fees & no overdrafts mean no unwelcome surprises
- Accounts are FDIC insured through our partner Sunrise Banks, member FDIC
- Bank-grade encryption & authentication; we never store Social Security numbers
- Highly secure data management & strict data privacy; we never sell your data
- Fingerprint & Face ID lock to ensure privacy & security
- Automatically blocked categories for non-age appropriate spending
- Parents can choose if or how much money a kid can withdraw from ATM
Kachinga offers two subscription options:
- Real Money (Free for 1 month, $36/year per child): Transfer money to your child's Kachinga reloadable debit card to provide critical real-world experience.
- Virtual Money (Free): Manage & track money you're holding elsewhere for your kids. Perfect for younger kids!
Learn more at https:/kachinga.com.
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Kachinga FAQ
Is Kachinga free?
Yes, Kachinga is completely free and it doesn't have any in-app purchases or subscriptions.
Is Kachinga legit?
⚠️ Warning: Multiple users of Kachinga have mentioned scam or fraud. Investigate thoroughly before using this app.
I will amend this review if I ever hear back from support. So far this app appears to be completely fraudulent. On 12/04 I sent a deposit to the Kachinga card from my external bank. The withdrawal from my external bank to Kachinga successfully debited on 12/04. As of today that deposit has gone missing, never has credited to my Kachinga account and when I call the support number I speak to someone in another country who tells me that no deposit was ever made. When you click to email support through the app an email opens with a subject line but with no email address to send the ticket to. So far this appears to be a total scam.
Update as of 12/29
Kachinga support responded to my email about the missing deposit. In their email they blamed my bank for the delay in crediting the account claiming my bank flagged my account incorrectly. This claim by Kachinga was false. Kachinga said they fixed the error and sure enough when I login to the app it now shows the correct available balance. My son attempted to use the card today for the first time and it was declined. I called the number on the back of the card and was told the account balance was $0.
Your funds are not safe with this company. Do not under any circumstances trust this app with your funds. You’ve been warned.
Isn’t working anymore
This app still isn’t working even after the developer left a message on my review saying the app is working. I’ve asked 3 different people and it’s still down for them. This is crazy we trust you with our money!
Doesn’t work anymore :(
Hopefully, they can fix it as we were using it to track all our kids stuff.
No longer works
We’ve used this app for years to track our allowances, etc. but it’s just stopped working. I thought the update would help but it didn’t. It just says “Maintenance is ongoing. Please come after some time.” It’s been a couple of weeks. Disappointed.
free version clunky
maybe the pay version of this is great. i don’t know, and won’t be finding out.
the free version allows you to setup different chords to track, but if you miss any dates, it’s very difficult (if even possible at all) to go back and change things.
I’ve uninstalled, as this isn’t doing much more than the built-in phone calendar can do.
how do u get the card
how u get the card
Scam
I’m trying to cancel my account. The kids are getting older and I’m going to set up checking accounts for them. Plus the app is clunky and I’ve had a lot of issues. Unfortunately, I’m trying to move the money from their accounts and my wallet into my bank, but it wont let me. Support said the kids just have to spend their money. I can’t even move the money from my wallet into my bank account because it says I have pending transfers, which I can’t pay. And even if I did, they’d have to spend it rather than transfer it out. Basically, I have no access to MY MONEY.
Great
Good financial app for my children.
Why don’t I have my card yet
So I paid for my card about 2weeks ago and it’s still not here
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