Budgeting with Osper: The Debit Card for Children

osper mobile banking card

I am rubbish with money. I’ll admit it, I am a spender not a saver. It literally does burn a hole in my pocket and I swear I can actually hear my debit card screaming ‘spend me Tracey now, let’s go shopping please….’ every payday. It’s something I have definitely improved with as I have gotten older but when I got my very first wage I literally had no idea how to budget.

Ever since Olivia was young I have always tried to explain to her that I don’t always have the money for treats and sometimes we can’t always buy things we want to. I still don’t think she fully grasps the concept but I want her to be more responsible with money than I was.

When the lovely people at Osper got in touch and asked if I would like to try out their new mobile banking app for kids I thought this sounded like a great idea. Let me tell you a little bit about it……..

osper mobile banking card

So parents order an Osper prepaid Mastercard for their children and download the app (currently available on Apple app store and Google play). The card is free for an initial 3 months then parents pay £12 a year if they like it. Children never pay a penny. Within the app you are able to directly load money, pocket money for example, directly onto the card, especially handy nowadays with less people carrying cash on them, and even set up regular payments to top up the card. With alerts and the ability to check your balance you and your kids will always be in control of their spending. The Osper card is suitable for children from the age of 8 as oppose to debit cards from the bank for ages 11+

Olivia was really excited to get started using her card and as I thought wanted to spend it all at once on dolls! But after having a little chat we came up with a shopping list and a challenge to see what she could get with her money. She had a £50 limit, which was loaded onto the card for us to write about our experience using it, and she needed to get as much as possible.

I left on the option to use online but parents can switch this option off, and before I knew it she had a basket full of goodies at H&M. But what she really wanted to do was to physically spend it in a shop using a chip and pin machine so we headed to Primark orange card in hand.


olivia ordering online with her osper card

Olivia’s Shopping List.

  1. Winter Boots
  2. Christmas Day outfit
  3. Jumper
  4. Leggings/Jeggings
  5. Dress
  6. Christmas Eve PJ’s

olivia in a primark outfit

olivia in a primark dress

She was actually very careful about what she was getting and kept asking if she had met her limit yet and I was pleased she was taking her budget seriously for once. She didn’t manage to get everything on her list despite the above mini fashion show in a Primark changing room,  but we did get,

  1. Boots
  2. 2 x jumpers
  3. 2 x leggings
  4. PJ’s
  5. Handbag
  6. Trilby hat! (totally impractical but she looks adorable in it so I couldn’t say no!)


Verdict: I was really impressed with the card and feel more than happy for Olivia to use the card knowing I can control how it is being used and that she can actually only spend what is on the card. I will keep on using this for Olivia for any future pocket money, shopping trips and for myself and family members to top up for birthdays etc. One of my favourite features is the way you access the pin in the app, no more worrying about forgetting the number and waiting for a replacement through the post.

For more information and to read other parent’s testimonials including Davina McCall head over to Osper now.

*Disclaimer: I was provided with an Osper card topped up with £50 for purpose of this review to fully experience using the card with Olivia. All thoughts and opinions are honest and my own based upon my personal use of the card and app*
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  1. This is a great idea!! I can see that it worked pretty well!! Look her happy face. She is so pretty!! I guess I would have to think about this ideas for when Bella is a little bit older. Thanks so much for sharing this at #KCACOLS! 🙂 xx

    1. Awww thanks I think she is really pretty too (so biased lol) It is something to look at when they reach his age, Olivia loves it thanks Franca xx

  2. Great idea, it’s so important to teach kids about budgeting from as young as possible and this sounds like a way of doing it that will make them feel grown-up and enjoy it! 🙂 #KCACOLS

  3. This sounds great! I love the idea and would love to this a go. My son is too young so perhaps when he is older unless something new is in market by then. Cheers for sharing

  4. Wow, not sure about this! On one hand, I think it’s bad to teach children about consumerism this young. But on the other, it’s good to teach them about managing money from a young age. I think there is a better way than this though. This feels very..adult. However, it works for you – fair play!

    1. Olivia seemed to really like having the card and it worked for us I think kids need to learn this from an early age these days x