Best HyperJar alternatives

#1 alternative

GoHenry

active

UK kids’ debit card, now in the Acorns family.

4.6

London · 2M families · Acquired by Acorns

7.3Solid

The UK kids control. Compare total monthly cost against a prepaid from your own bank.

Best for: UK (and some US/FR) parents who will pay a monthly for controls.

Licence

EMI / prepaid programme

Protection

Safeguarded e-money, not FSCS

Monthly

Monthly per child / family plan

#2 alternative

Monzo

active

UK current account that made banking feel like a group chat.

4.7

London · 11M+ · ~$1.3B raised

8.1Strong

The UK salary account to beat. Pair it with Wise or Revolut if you invoice in euros or dollars. Do not open Monzo expecting a travel-card replacement on the free plan.

Best for: UK residents who want FSCS protection and the best everyday app.

Licence

UK bank

Protection

FSCS up to £85,000

Monthly

Free · Plus/Premium/Max paid

#3 alternative

Starling Bank

active

The grown-up UK challenger: bank first, app second.

4.7

London · 4M+ · ~$1.1B raised

8.1Strong

If the question is ‘will this still be here in ten years,’ Starling scores at the top of the UK set. Monzo is more fun; Starling is more bank.

Best for: UK individuals and SMEs who want a real bank, not a wallet.

Licence

UK bank

Protection

FSCS up to £85,000

Monthly

Personal free · Business from £0–£7+

#4 alternative

Current

active

US consumer neobank with a debit card, pockets, and teen accounts.

4.7

New York · 4M+ · ~$400M raised

7.0Solid

Put Current next to Chime and Varo. Varo is the actual bank. Current is the app.

Best for: US consumers who want Chime-class UX with pockets and a teen SKU.

Licence

Fintech with partner banks

Protection

FDIC via Choice Financial Group / program banks

Monthly

Free · paid Current Premium

#5 alternative

FamApp

active

Indian family card and UPI app for teens and parents.

4.3

Bengaluru · 1M families · Seed / Series A

6.7Mixed

India’s kids column. Pair with a scheduled-bank parent account.

Best for: Indian parents who want a controlled first card on UPI rails.

Licence

PPI / UPI stack

Protection

PPI / partner — not a standalone bank

Monthly

Low / plan-based

#6 alternative

Spriggy

active

Australian prepaid card and app that teaches kids to spend.

4.5

Sydney · 500k families · ~$30M raised

7.2Solid

The Australian kids pick. GoHenry is the UK cousin.

Best for: Australian families who want a prepaid card instead of cash pocket money.

Licence

Prepaid / stored value

Protection

Stored-value, not FCS bank deposits

Monthly

Subscription per parent plan