Bling explained: the prepaid pocket-money card for kids and teens in Germany

Bling is a Berlin app and prepaid Mastercard that lets children from age 7 pay on their own while parents set the rules. It is not a bank account: a monthly or yearly plan costs from 3.99 € a month (35.88 € a year with Lite), and the card can never go into debt.

What Bling is

Bling Services GmbH is a Berlin company founded in 2021. Its main product is the Bling Card, a prepaid Mastercard for children and teenagers, run from one app with two views: a parent view with the settings and a child view showing the balance, purchases and savings pots.

Bling is not a bank. The e-money account and the card are provided by Treezor SAS, an electronic money institution in Paris registered with the French supervisor ACPR (number 16798) and part of the Société Générale group. Bling acts as Treezor's e-money distributor, and the account terms are a separate contract between you and Treezor.

The website and app are in German and the product is built for families in Germany. You don't need to open an account at a particular bank: parents top up the card from their existing account.

Who it is for

• Children aged 7 to 12: the "Taschengeldkarte" for kids, with tighter default limits.
• Teenagers aged 13 to 17: the teen card, with more freedom. Apple Pay and Google Pay are available from 16, following Apple's and Google's own age rules.
• Adults: Bling says parents can also use a card themselves, for example when travelling.

The minimum age to pay with a Bling Card is 7.

How the card works

Each Bling Card is a prepaid Mastercard with its own IBAN, so family members, friends or an employer can send money to it from any bank account. It works wherever Mastercard is accepted, in shops, online and abroad, once the parent has verified their identity in the app.

Because it is prepaid, a child can only spend what is on the card: there is no overdraft and no way to build up debt.

Parents control, card by card:

• a weekly spending limit (the kids' card starts at 50 € per 7 days and can be raised to 3,000 €),
• a separate cash withdrawal limit, or no cash at all,
• whether contactless, online and foreign payments are allowed, each switched on separately,
• real-time notifications for every purchase, and blocking the card in the app at any time.

As trust grows, a trust mode hides merchant details from the parent, stops live notifications and can let the child send money to friends.

Plans and prices

Bling charges a subscription, billed monthly or yearly. These are the prices in Bling's price list (dated 30 July 2026):

Bling's home page advertises Max "from 8.25 €" a month; the price list shows 99.99 € a year. Each extra card for another child is a separate add-on at 3.99 € a month or 35.88 € a year. Plans can be cancelled in the app at any time up to one day before the current term ends.

Other fees to know

The price list also names these charges:

• Card delivery: 4.99 € per plastic card sent.
• Topping up by credit card: the first top-up each month is free; further credit-card top-ups cost 1.65% of the amount. Top-ups by bank transfer are free.
• Paying money back to your bank account: 1 € per outgoing SEPA transfer.
• Inactive accounts with a balance (no card linked to an active plan for 10 months): up to 30 € a year.
• Disputing a card payment: 25 €.

Card payments in euros carry no Bling fee, at home or abroad.

Learning features

Bling is built around teaching children about money, and says it developed the app with teachers and educators:

• Pocket-money planner: schedule regular pocket money to the card.
• Savings pots: children set their own goals and move money into them.
• Task planner: link chores or homework to rewards.
• Bling Skills: short lessons, quizzes and rewards in the app.

Bling also offers a "Sparbaum" investment feature managed by Evergreen GmbH. Investing carries risk and you can lose money; it is a separate product from the card.

Is your money protected?

Money on a Bling Card is e-money held by Treezor, not a bank deposit. Bling says your balance is kept in a separate account at a partner bank that is covered by the statutory deposit guarantee, and that this protects up to 100,000 € per customer if that bank fails.

In general, e-money institutions protect customers' money by safeguarding it, keeping it apart from their own funds, rather than through deposit insurance for each customer. Our guide Is my money safe in a neo bank? explains the difference. For a pocket-money card the amounts are usually small, but don't keep large savings on it.

Is Bling worth it?

Bling suits parents in Germany who want a child to pay by card and learn with an app, while keeping limits and a view of every purchase. The yearly Lite plan is the cheapest way in at 35.88 € a year. Plus mainly adds card designs and features for parents, and Max is worth it mostly if your teen often pays in foreign currencies.

Before you sign up, compare the yearly cost with a free youth account at your own bank, which may have fewer controls and no learning features. If your family is moving to Germany, see opening a bank account in Germany as an expat. For travel, our guide on avoiding foreign card fees in Europe also applies to teenagers.

You can see the plans on Bling's website (affiliate link: if you sign up through it, we may earn a commission; it doesn't change what you pay or how we write about Bling).

Sources

• Bling: home page and plans
• Bling: Price and service list (Preis- und Leistungsverzeichnis), 30 July 2026
• Bling: Card for children
• Bling: Card for teenagers
• Bling: Safety
• Bling: Frequently asked questions
• Bling: Legal notice (Impressum)

Prices and features checked on 5 November 2026.

This guide is general information, not financial advice. Fees, features and availability change, so check the provider's own website before you apply. Read how we compare providers and our affiliate disclosure.