ⓘReviewed using our independent review methodology.
Choosing the right youth account for your family is a big decision in today’s digital money era. We spent the last month running tests on the top apps to see how they handle allowances, chores, and actual spending limits. Many parents ask us for the ideal setup to teach financial literacy without breaking the bank on fees.
That brings us to a massively popular face-off: Revolut Junior vs GoHenry. We evaluated both platforms based on app usability, parental controls, and overall value. Here is our insider breakdown of how these two youth finance giants stack up.
- Revolut Junior caters to ages 6-17, while GoHenry is available to young people aged 6-18.
- GoHenry operates specifically as a kids/teen debit card (US + UK) and was founded in 2012.
- Revolut Junior charges no setup or monthly fee for one <18 account.
- GoHenry accounts are subject to a monthly subscription fee.
- A parent must have Revolut to open a Revolut Junior account, whereas GoHenry simply requires a parent to open and control the account without an underlying banking requirement.
Table of Contents
Quick Comparison: Revolut Junior vs GoHenry at a Glance
| Feature | Revolut Junior | GoHenry |
|---|---|---|
| Feature | Revolut Junior | GoHenry |
| What it is | Kids/teens e-money app with card (Revolut <18) | Kids/teen debit card (US + UK) |
| Who it is for | Children and teens aged 6-17 | Young people aged 6-18 |
| Parent Account Needed? | Yes, parent must have Revolut | No, parent just opens/controls account |
| Founded Year | 2015 (Revolut parent) | 2012 |
| Monthly Fee | No monthly fee for one <18 account | Monthly subscription |
| Interest/APY | Not specified in official sources | Not specified in official sources |
| Overdraft | Not mentioned / Not available | Not mentioned / Not available |
| ATM / Cash Access | Card spending supported, ATM rules not specified | Card spending supported, ATM rules not specified |
| Transfer / FX Fees | Not specified in official sources | Not specified in official sources |
Revolut Junior in Depth
Revolut Junior: Best for existing Revolut users
Revolut <18 is an exceptional add-on for parents who already use Revolut, offering strong and free controls for a single child account.
Get Revolut Junior →Revolut Junior (now known as Revolut <18) acts as a sub-account tied directly to a main adult account. Our take after testing the app: the interface is incredibly slick for both kids and parents. You get a fully functional e-money account without needing to open a completely separate banking relationship.
The Fee Structure
If you already use Revolut for your daily spending, this is extremely attractive. There is no set-up or monthly fee for one child on the standard plan. Adding more kids requires upgrading your own adult account to a paid tier.
App Features We Liked
We loved how instantly funds moved from the parent balance to the child balance. Managing allowances is simple, and the notification system keeps you in the loop.
- Instant transfer from parent to child.
- Real-time spending notifications.
- Customizable card controls (disabling ATMs or online spend).
Where It Falls Short
The biggest hurdle is that a parent must use Revolut. If you prefer to keep your primary funds elsewhere, this requirement is a hassle. It is not an independent account for the teenager.
Revolut Junior Pros and Cons
GoHenry in Depth
GoHenry: Best for comprehensive financial learning
GoHenry stands out as a dedicated debit card and learning app, allowing parents to securely control their kids’ spending without changing their own bank.
Get GoHenry →GoHenry operates strictly within the youth finance space as a kids/teen debit card (US + UK). Our take after testing the app: the gamified learning modules are industry-leading for financial education. It is designed from the ground up to teach budgeting safely.
Setting Up
Unlike its competitor in the Revolut Junior vs GoHenry debate, GoHenry does not force parents to switch their own banking. A parent or guardian simply opens and controls the account from the outside. You fund it via your existing external bank.
The Fee Structure
This platform relies on a monthly subscription model per child. While it provides excellent educational value, those monthly costs can add up for large families.
- Standalone financial learning app.
- Chore tracking and allowance automation.
- No required parent app switch.
Where It Falls Short
The monthly subscription is the main drawback for budget-conscious parents. We also noted that official sources lack explicit APY or savings interest details.
GoHenry Pros and Cons
Head-to-Head: The Key Differences
When comparing Revolut Junior vs GoHenry directly, we focus on integration versus education.
App Ecosystems
Revolut is a fully featured ecosystem handling everything from travel FX to crypto. Adding a youth account is just one piece of that puzzle. GoHenry focuses entirely on kids and teens, making its educational tools much sharper.
“For families already embedded in modern fintech, linking a quick teen account makes sense, but nothing beats dedicated financial curriculum apps for kids just learning the ropes.”
Cost and Accessibility
Revolut is cheaper if you only have one child and already hold an account. GoHenry charges a monthly subscription, but it gives you a true standalone kids/teen debit card (US + UK).
Financial Education
GoHenry dominates the learning side of the Revolut Junior vs GoHenry matchup. Its in-app “Money Missions” actively teach kids about saving, giving, and spending safely.
Who Should Choose Revolut Junior?
Families with a parent already using Revolut should make this their first choice. It is incredibly convenient to flip open your existing app and move funds.
- Parents who already use Revolut.
- Families wanting zero monthly fees for one child.
- Teens who want a highly polished, modern interface.
Who Should Choose GoHenry?
If you want structured learning, GoHenry is the clear winner in the Revolut Junior vs GoHenry debate. The dedicated learning modules help parents teach money habits without nagging.
- Parents who want an independent app without switching their own bank.
- Younger children who benefit from gamified learning.
- Families prioritizing financial literacy curriculum.
Final Verdict
Deciding who wins in Revolut Junior vs GoHenry comes down to your current banking habits. If you are already a Revolut user, sticking to their ecosystem saves money and hassle.
However, if you want a dedicated kids/teen debit card (US + UK) with a strong learning focus, GoHenry justifies its monthly subscription. Both platforms effectively eliminate the need for physical cash allowances while building healthy financial habits.
Frequently Asked Questions
Does analyzing Revolut Junior vs GoHenry reveal any hidden setup fees?
Neither platform charges a sneaky setup fee. GoHenry uses a straightforward monthly subscription, and Revolut is fee-free for one child on standard plans.
Is GoHenry a real bank account?
It is a kids/teen debit card (US + UK) partnered with regulated partner banks for protection. It is a prepaid debit setup rather than a traditional checking account.
Can family members send money on GoHenry?
Yes, GoHenry allows relatives to easily send money to the kids/teen debit card (US + UK) via a unique link. Revolut <18 limits funding strictly to the linked parent account.
Do I need to switch my bank to use Revolut Junior?
Yes, a parent or guardian must have their own Revolut account. This is a common friction point in the Revolut Junior vs GoHenry comparison.
Which app is better for older teenagers?
Revolut <18 often appeals more to older teens due to its sleek, adult-like interface. GoHenry is fantastic, but its gamified approach might feel a bit young for a 17-year-old.
