The Piggy Bank, Reimagined.

Their Money Is Growing.Let Them See It.

The investing app for kids that isn’t a debit card. Connect the 529, UTMA, Roth IRA or Trump Account you already opened. Your child watches their own money grow, read-only, with financial literacy built in.

Set Savings Goals.
Compete with Siblings.
See Money at Age Milestones.
Optional Quizzes Teach Terms at Their Pace.
Penny, the MemoryBank piggy mascot

Penny · Their AI Money Mentor

Hi, I’m Penny!

I turn big investing words into lightbulb moments — right at their age level, from 5 to 18.

Download on the App StoreGet it on Google Play
Emma exploring her MemoryBank future projection on a tabletEmma

First built for my kids. Now yours.

My daughter thought investing meant her money was gone. Fair — she had never actually seen it. So I built somewhere she could.

Meet the family
Plaid — the connection layer behind MemoryBank's read-only account linksRead-only

Your money stays where it belongs.

Read-only connections by Plaid — the same tech behind Venmo, Robinhood, and Coinbase.

Connects to any account, at any institution.

10,000+banks, brokerages, and 529 plans
Charles Schwab
Fidelity
Vanguard
Merrill
Morgan Stanley
Edward Jones
E*TRADE
Robinhood
Acorns
JPMorgan Chase
Bank of America
Wells Fargo
Capital One
Citibank
PNC
U.S. Bank
Ally Bank
Discover
American Express
Charles Schwab
Fidelity
Vanguard
Merrill
Morgan Stanley
Edward Jones
E*TRADE
Robinhood
Acorns
JPMorgan Chase
Bank of America
Wells Fargo
Capital One
Citibank
PNC
U.S. Bank
Ally Bank
Discover
American Express
American Express
Discover
Ally Bank
U.S. Bank
PNC
Citibank
Capital One
Wells Fargo
Bank of America
JPMorgan Chase
Acorns
Robinhood
E*TRADE
Edward Jones
Morgan Stanley
Merrill
Vanguard
Fidelity
Charles Schwab
American Express
Discover
Ally Bank
U.S. Bank
PNC
Citibank
Capital One
Wells Fargo
Bank of America
JPMorgan Chase
Acorns
Robinhood
E*TRADE
Edward Jones
Morgan Stanley
Merrill
Vanguard
Fidelity
Charles Schwab

What kids get.

Five reasons they keep coming back.

Make saving feel worth it.

Kids set real goals and watch their progress update automatically.

0%

New Car

$3000of $4600
0%

LEGO Set

$48of $120
0%

Prom Dress

$200of $250
0%

New Stuffy

$50of $50

A dashboard by touch. A photo frame at rest.

Displays Google Photos the parent chooses until it's time to check their investments.

A way better gift than another toy or cash.

Grandparents, aunts, uncles, godparents — anyone can give one. Send it by email or print a card to wrap. Then stay on as a co-parent and watch alongside them, or hand it over and let their parents take it from there.

Gift a subscription

Not a debit-card app. A head start on financial confidence.

Debit card apps teach kids how to manage spending money. MemoryBank helps them understand how wealth grows.

Feature
MemoryBank
Debit-card apps
Connects to real investment accounts
Built for kids to use directly
Read-only — no spending risk
Family follows along, read-only
Doubles as a family photo frame

Comparison reflects publicly listed features as of 2026. Other apps may add brokerage features over time — we'll update accordingly.

Questions parents ask before they sign up

Short answers. The long ones are in the FAQ.

Is MemoryBank an investing app for kids?
MemoryBank is the investing app for kids that isn't a debit card. It's a read-only dashboard: you connect the custodial (UTMA/UGMA), 529, Roth IRA, Trump Account or savings accounts you've already opened at your brokerage, state plan or bank, and your child gets their own view of what they own and how it's growing. Nothing is bought, sold or spent inside MemoryBank.
Is MemoryBank a financial literacy app?
Yes. Kids learn with the real money that's already theirs. Penny, the in-app money mentor, answers questions at your child's age level from 5 to 18; every company they own gets a plain-English story; and on paid plans a weekly recap introduces one money word, quizzed the week after. Parents get a free library of 90+ guides at mymemorybank.app/learn.
Which accounts can MemoryBank track?
UTMA and UGMA custodial accounts, 529 plans, custodial Roth IRAs, Trump Accounts, brokerage accounts and savings accounts. MemoryBank connects to 10,000+ banks, brokerages and 529 plans through Plaid, including Schwab, Fidelity and Vanguard, and any account that can't be linked can be entered manually and still sits in the same view.
Can my child spend, trade or move money in MemoryBank?
No. Connections are read-only, there is no debit card, and there is no trading, no transfers and no withdrawals anywhere in the app. Every action that touches money stays at your brokerage or bank. Kids open their view on a paired device with no password to manage, and you can revoke a device from your dashboard at any time.
How much does MemoryBank cost?
MemoryBank is free to start with one child and manually tracked accounts. Paid plans add live account connections, Penny and the weekly recap: Starter is $6.99 a month for one child, Family is $9.99 a month for up to 4 kids, and Family Plus is $14.99 a month for up to 10 kids. Paying annually saves about two months.
How is MemoryBank different from Greenlight or Acorns Early?
Greenlight and Acorns Early are debit-card apps that also let kids invest money held inside the app. MemoryBank holds no money and has no card: it shows your child the accounts you already have, wherever they are, and teaches them what they own. Many families use MemoryBank alongside a card app. See the side-by-side: MemoryBank vs. Greenlight and MemoryBank vs. Acorns Early.

They’ll inherit more than your money.

Long before your wealth, they’ll inherit your habits. Give them something worth passing down.

Download on the App StoreGet it on Google Play

Free to start · No credit card required · Month-to-month billing