Morechard turns the jobs your child does at home into lessons about earning, saving and spending, each one opening at the moment it matters. No bank, no card, no cross-selling. However your family is built.
Your child does real jobs at home and earns real pocket money. Morechard uses what they earn, save and spend to decide which lesson opens next. You stay in the loop: you set the jobs, you approve the work, and each lesson comes with a question the two of you can talk through.
Three pillars - working together from day one. No debit card or bank account required.
A 30-module money curriculum, mapped to the national curriculum frameworks and the PSHE programme of study. Each lesson opens when your child's own activity matches the idea: a first approved job, a first big save, a first in-game spend.
Jobs with a rate and a deadline, approval and optional photo proof, bonuses, savings goals and a child login that needs no email. It produces the real activity the lessons depend on, for as many children as you have, with no bank account or card.
Every entry is hashed and chained, so any later change shows. Both parents see the same record, in one home or two.
A 30-module money curriculum built around your child's own earning and spending. Each lesson opens at the moment it applies, so it is about something your child has just done and not a hypothetical.
The curriculum is organised into six pillars that build on each other in a deliberate sequence. Your child doesn't jump to investing before they understand taxes and debt - each module unlocks only when real behaviour triggers it.
Children meet saving, credit and in-game spending before they meet the lesson about them. Morechard brings the lesson to the moment: 30 ideas that shape money decisions, each opening when your child's activity makes it relevant.
Each module is designed to be a starting point for a real discussion between you and your child, not a solo exercise they complete alone. When a lesson unlocks, Morechard gives you the context to have the conversation - and a simple prompt to start it.
No 40-minute video series. No textbook chapters. Each module is four short acts - every act triggered by something your child just did, delivered in about five minutes, and linked directly to an action they can take right now.
The science behind itIn the Money and Pensions Service's 2022 survey, young people who had received a meaningful financial education were more likely to feel confident managing money and to save regularly. Those who had it at home and at school did best, and only 10 per cent had both. MaPS's 2023 evidence review found that learning by doing reaches further into behaviour change, and that timing and context matter. It has not studied any app, Morechard included.
Children don't learn financial discipline from lectures. They learn it from doing - from earning their first pound, saving towards something that matters to them, and understanding that effort has a direct and honest reward. Morechard makes that connection visible, trackable, and real.
Whether you're raising kids under one roof or two, the system works the same way - consistent, transparent, and owned entirely by you.
Morechard streamlines your family's daily rhythm by replacing nagging with a structured, bank-free system of rewards and responsibilities. It's designed for parents who want to instill a unified set of values, ensuring children understand the direct link between their contributions and their financial growth.
Consistency is the hardest part of co-parenting. Morechard bridges the gap, providing a shared record that shows any later change, protecting both parents and ensures children stay on track regardless of whose roof they are under. Your data is owned by you, not rented from us - providing a tamper-evident record of parental contributions and child milestones.
Finally, a tool that doesn't treat your children like future bank leads.
Many "kids' money" apps are run by banks, or built to lead you to one. They want debit cards, accounts and data, and they charge monthly for it.
Morechard is independent. No bank, no card, no cross-selling: we don't sell your child accounts, cards or anyone else's products, and nobody is waiting to turn your child's chores into a lead. We believe financial discipline starts with understanding value, not just swiping plastic, and the record belongs to your family, not a financial institution.
One payment, no monthly fees, no data-mining. It serves your family's interests, not a bank's bottom line.