The Bling children's credit card reviewed

The company Bling offers a prepaid credit card and pocket money app, providing children from the age of 7 a safe and easy way to manage their pocket money. With the Bling Card, your child can learn to handle money responsibly while you retain control.

To order the Bling Card for children, first download the Bling app. The card can be conveniently ordered through the app, and registration only takes a few minutes. However, only legal guardians can apply for the kids' credit card, not the children themselves. You must provide proof of identity, which can be done via a copy of your ID or the POSTIDENT process. The card will be delivered by mail a few days after the application.

The Bling Card for children and teenagers is free. However, monthly fees apply when using the card. You can choose between a monthly fee of €2.99 per child or an annual fee of €32.00. The annual option is cheaper, offering one month free. There is also a 14-day trial period with no costs. No additional fees are incurred during regular use.

Online, you can occasionally find promo codes to save on Bling. These often provide one or two free months. Keep an eye out for these deals. If you have a code, enter it when ordering the card.

You can cancel the Bling children's credit card at any time. Depending on your subscription model, the cancellation can be done monthly or annually. To cancel your Bling account:

The subscription will continue until the displayed end date and then stop. After the subscription ends, you can delete the child account, and the remaining balance will be refunded.

The Bling cards are protected by a PIN system. If the card is lost, it can be blocked like any regular credit card. The prepaid card is not directly linked to a bank account, so losing it doesn’t affect the regular bank account. Additional features include spending limits, real-time transaction notifications, and the ability to manually lock or unlock the card via the app.

The PIN is set by the parents during registration and cannot be changed later for security reasons. If the PIN is forgotten, you can view it in the Bling app:

The Bling prepaid card offers a variety of analog and digital payment options, providing great flexibility for children and teenagers.

Before your child can use the Bling card for payments and withdrawals, money must be deposited via bank transfer from the parents' credit or debit card.

As a prepaid MasterCard, the Bling card can be used wherever MasterCard is accepted. PIN entry is required for payments. The app allows you to set spending limits and usage locations.

The Bling Card can be used abroad, but a currency conversion fee of 2% of the transaction amount applies to non-euro payments.

Yes, your child can safely and conveniently make online payments. The card details are entered like a regular credit card. Online payments can also be disabled via the app.

In the beta version, the Bling Card can be added to Apple Pay and Google Pay for smartphone payments. This feature may not yet be fully reliable.

The Bling Card can be used at almost all ATMs for easy cash withdrawals.

The Bling Pocket Money App is available for Android and iOS devices, offering numerous features to help children and teenagers manage their money and acquire financial skills. The app is user-friendly and provides both children and parents with a high level of control and security.

With Bling, your child can manage their pocket money, set savings goals, and allocate money to different accounts, such as saving, spending, and gifts. Income and expenses can be tracked to develop a better understanding of money. The app also allows earning pocket money by completing tasks and offers educational materials to teach financial literacy.

Children and teenagers can set budgets with Bling to ensure they spend their money wisely. Parents can monitor spending and help their child make better financial decisions. You can set rules for weekly pocket money and allowed expenses.

The Bling app includes security measures like strong encryption, regular security checks, access controls, verification methods, and strict privacy policies. User data is not shared with third parties unless legally required or with user consent. Bling offers a secure way to manage deposited money.

Children and teenagers can choose from a variety of designs for their Bling Card. Whether it's football, astronaut, hot air balloon, horse, or a neutral pattern, they have plenty of options, making the card more fun to use.

Bling, or Bling Services GmbH, was founded in June 2021 in Berlin. The family fintech started as a pocket money app to enhance the financial literacy of children and teenagers. Today, tens of thousands of families use the Bling app. Since June 2023, families can invest their money sustainably through Bling. In February 2024, the company also launched a mobile phone plan called Bling Mobile, developed in collaboration with Deutsche Telekom specifically for families with children.