The Bling Card Children’s Credit Card Review: Costs, Features & Alternatives

The Bling children’s credit card (prepaid Mastercard) combines an allowance app and card for children from age 7. Parents set limits, see spending in real time, and can freeze the card with a tap in the app.

This review concisely shows costs & fees, how payments work, and how to withdraw cash. We also answer the key question at the end:
Is the Bling Card the best credit card for kids – or are there better alternatives?

Note: Some uses incur fees (e.g., foreign currency, extra card top-ups by credit card, replacement card). You’ll find details below in the table.

Bling is subscription-based and can be booked in different plans. Depending on the plan, you also benefit from certain features:

Transparency: The above values reflect the current price list (15/08/2025).

Bling’s prepaid card offers a variety of in-person and digital payment options, giving children and teens plenty of freedom. The key info is summarised below.

Before your child can pay or withdraw with the Bling Card, funds must be added. Topping up the Bling card for kids is done by bank transfer or via the parents’ credit or debit card.

As a prepaid Mastercard, the Bling card can be used anywhere Mastercard is accepted. As with any regular card, the PIN must be entered when paying. In the app you can set how much your child may spend and where.

Yes, the Bling Card can be used abroad. For payments in currencies other than euro, a +2% currency surcharge applies.

Your child can also pay safely and conveniently in online shops with the Bling Card. Select the card as the payment method on the shop page. Using the expiry date and card number, it works like a normal credit card. You can disable online payments at any time via the app.

In the beta phase, the Bling Card for children can be added to Apple Pay and Google Pay and used for smartphone payments. However, adding and paying may still be unreliable.

As a prepaid card, the Bling Card can be used at most ATMs – making cash withdrawals very straightforward. More on this in the next section.

Availability: After successful verification, withdrawals are possible at the vast majority of ATMs in Germany & abroad; Bling is not tied to a specific bank. Rule of thumb: usable wherever Mastercard is accepted.

Limits (children’s card): €100 per 7 days and €300 per 30 days. Minimum amount: €10 per withdrawal.

Fees: No Bling ATM fee; ATM operator fees may apply. For withdrawals/payments in foreign currency, a +2% surcharge applies.

Bling offers a dedicated kids’ app where children and teens can manage their money themselves. You’ll find more about the app further below in the section “Experiences with the Bling allowance app for Android and iOS”.

The app can be used on a smartphone or tablet. You need to activate the child login. Here’s how:

You’ll occasionally find promo codes online that let you save with Bling. Usually you get one or two months free. Keep an eye out and grab this attractive deal. If you’ve secured a code, you can enter it when ordering the card.

You can cancel the Bling Card at any time. Depending on the subscription model you chose, cancellation is monthly or yearly. To cancel your Bling account, complete the following steps:

Your subscription will then continue until the displayed expiry date and will end afterwards. After the subscription ends, you can delete the child stored in the account. The remaining balance will then be transferred back to you.

The Bling allowance app is available for Android and iOS devices. It offers a variety of features that help children and teens manage their money and build financial skills. The app is easy to use and provides a high level of control and security for both children and parents.

With Bling, your child can manage their allowance in one app. They can set savings goals and split their money across different buckets such as savings, spending, and gifts.

Income and expenses can be tracked closely to build a better understanding of money. In addition, your child can earn their allowance via the app by completing tasks such as hanging laundry, emptying the dishwasher, & more. The Bling allowance app also offers learning materials that convey financial knowledge.

Children and teens can set budgets with Bling to ensure they spend their money wisely. They can decide how much to spend on categories like clothing or leisure activities.

The app also lets you support your child in managing their allowance. You can see how they spend and help them make better decisions. You can also set rules such as how much allowance per week they should receive and which expenses are allowed.

The Bling app offers various security measures to ensure users’ personal data and financial information are protected. These include strong encryption, regular security reviews, access controls, verification methods, and strict data protection policies. The company does not share user data with third parties unless legally required or the user has consented. Overall, Bling provides a secure and reliable way to manage deposited funds.

Thanks to the PIN process, Bling credit cards for children and teens are well protected. If the card is lost, it can be blocked like any regular credit card.

The Bling prepaid card also has the advantage of not being directly linked to a bank account. Therefore, loss of the card has no direct impact on a regular bank account.

The Bling Card offers additional useful features such as spending limits, real-time transaction notifications, and the ability to manually lock or unlock the card via the Bling app.

The PIN is set by you as the parent during registration. For security reasons, it is not possible to change the card PIN afterwards. If you or your child have forgotten the PIN, you can view it in the Bling app:

Another plus: The children’s credit card can be personalised. Children and teens can choose from a wide range of designs. Whether football, astronaut, hot-air balloon, horse, or a neutral pattern – your child has the choice. A great design makes using the card twice as fun.

Bling, or Bling Services GmbH, was founded in June 2021 in Berlin. The family fintech started as an allowance app to strengthen the financial skills of children and teens. Today, tens of thousands of families use the Bling app. Since June 2023, families can invest sustainably via Bling. In February 2024, the company also launched a mobile phone plan called Bling Mobile. Developed in cooperation with Deutsche Telekom, it was designed specifically for families with children.

In March 2024, Bling expanded its offering by introducing “Bling Mobile,” a family-friendly mobile service in cooperation with Deutsche Telekom. This service provides child-appropriate features such as parental controls and internet filters to promote safe media use. Bling Mobile is available in two tariffs that offer monthly flexibility.

The company aims to support families not only financially but also in media literacy and to establish itself as a comprehensive “operating system for families.”

Short answer: Bling is strong if you want an intuitive allowance app with broad family features (tasks, savings pots, potentially investing features).

However, alternatives may suit you better if you, for example,

Popular alternatives:

bunq (children’s account) – app-based with parental approval and spending limits; 1 payment and 1 savings account for minors, further sub-accounts depending on plan, debit card depending on plan.

Commerzbank StartKonto – free up to 18 (in some cases up to 27 with proof), Girocard included; from 14 an additional free prepaid junior credit card (up to 18). Cash at Cash-Group ATMs, branch service, photoTAN, parental consent required.

DKB Girokonto u18 – free account management, Visa Debit included, parental rights via Card Control (block, push notifications, country settings); optional junior investment account. Requirement: at least one parent is a DKB customer.

⇨ Recommendation: Check our comparison page for children’s cards to find the right card for your child!