GoHenry

Fintech · Farnborough, United Kingdom

GoHenry sells a monthly subscription to UK parents: a Visa debit card for a child aged 6 to 18, a parent app with spending controls, chore and pocket-money lists, and money lessons. It states in its own terms that it is not a bank. The card is issued by IDT Financial Services in Gibraltar, the sort code and account number come from Modulr FS, and the savings pot paying 2.63% AER comes from Bondsmith. GoHenry Limited itself is authorised by the FCA only for investment services, FRN 1013107, which covers the Junior Stocks and Shares ISA managed by Vanguard. There is no business account, no company onboarding and nothing here for a company of any size.

Legal name: GoHenry Limited
Regulated by: FCA (UK, GoHenry Limited, FRN 1013107, investment services), Gibraltar Financial Services Commission (IDT Financial Services Limited, card issuer)
Licence confirmed: yes, on a regulator's own list
Established: 2012
Website: www.gohenry.com

Scores, 0 to 10

7.0Customer satisfaction

Trustpilot rates the gohenry.com listing, now shown under the Acorns Early name, 4.1 out of 5 from 4,006 reviews, with recurring complaints about slow top-ups and cancelling subscriptions. · source

4.5Financial strength & stability

Unrated and publishing no accounts, with balances held as e-money outside the FSCS, but Barclays Bank UK PLC agreed in June 2026 to buy the UK business subject to regulatory approval. · source

3.0Lowest fees

There is no business account to price; the consumer subscription costs GBP 3.99 to GBP 9.99 a month and extra top-ups cost 50p on the cheapest plan. · source

3.0Best interest on business balances

The 2.63% AER savings rate is provided by Bondsmith to a child's pot; there is no business balance, sweep or treasury product. · source

2.0United Kingdom

GoHenry Limited holds only an FCA investment-services authorisation, FRN 1013107, and distributes e-money issued by Modulr FS and IDT Financial Services; it offers no business current account and no Faster Payments access of its own. · source

2.0Fast digital onboarding

Sign-up is a parent buying a subscription in the app; there is no company application form, no KYB and no business onboarding path at all. · source

1.5Cross-border payments, FX and multi-currency accounts

Sterling only: the plans, the card and the savings pot are all GBP, and the site lists no multi-currency account and no international transfer product. One currency, one child's card per subscription, no pooling, no API and no corporate account structure. · source

1.5Business cards (Visa, Mastercard)

The only card is a Visa debit card issued to a child aged 6 to 18 with parental controls and a personalised design from GBP 4.99; no business, virtual or employee cards exist. · source

1.0Crypto-friendly bank

The product range is a child's debit card, a savings pot and a Junior ISA; no crypto service is offered and no business of any kind can be onboarded. · source

1.0Fintech companies that need a partner bank

GoHenry is itself a distributor of another firm's e-money rather than a provider; it offers no safeguarding accounts, BIN sponsorship or rail access to payment firms. · source

1.0Online businesses: e-commerce and SaaS

No acquiring, no collection accounts and no merchant settlement; the card is a spending card for a child. No receiving accounts, no API, no accounting integrations and no financing; a software company cannot be a customer. · source

1.0Startups & VC-backed companies

No company accounts exist, so a startup cannot become a customer whatever its stage. · source

1.0Trade, manufacturing & import-export

No letters of credit, guarantees, collections or supply-chain finance; GoHenry states it is not a bank. · source

1.0Foreign-owned & non-resident companies

The service is sold only in the United Kingdom to a parent and a child, and no company, resident or foreign-owned, can hold an account. · source

1.0High-risk verticals (iGaming, cannabis, adult, forex)

GoHenry has no business customers at all, so licensed gambling, cannabis, adult or forex operators cannot be served. · source

1.0Crypto wallet and custody for a business

GoHenry sells a child's prepaid card, savings pots and a Junior Stocks and Shares ISA from 3.99 pounds a month in 2026, with no crypto wallet and no business accounts. · source

1.0Accept crypto payments

GoHenry has no merchant or business product of any kind, so there is no crypto acceptance; its offer is a card and app for children and parents. · source

1.0On-ramp: buy crypto with fiat

The UK cardholder terms effective 1 March 2026 block adult merchant categories including wires and money orders, and GoHenry offers no way for a company to buy crypto. · source

1.0Off-ramp: crypto to fiat in a business account

Funds reach GoHenry child accounts only from parents and invited relatives under the March 2026 terms, so crypto proceeds cannot be paid out to a business through it. · source

1.0Bitcoin

The 2026 plans list only savings goals, interest on savings and a Junior Stocks and Shares ISA; bitcoin is not offered. · source

1.0Ethereum

No ether product appears in the 2026 GoHenry plans, which cover a kids' card, savings and a Junior ISA only. · source

1.0Stablecoins (USDC, USDT and others)

GoHenry offers no stablecoin holding or payout; its 2026 accounts hold sterling through Modulr and a Gibraltar-issued card only. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.