How it works

Mydoh Smart Cash Card

A child's Mydoh wallet balance being shown on an iPhone

Spending smart starts with the Mydoh Smart Cash Card

The Mydoh Smart Cash Card gives your kids the independence they want and the security you need.

Your kids are equipped with the tools to start developing good money habits, and you can track and react to their spending activity. And, because it’s a reloadable prepaid card (not a credit card), they can’t spend more money than they have.

Paying with Apple Pay in the Mydoh app

Independence builds confidence

It’s important for kids to start making purchase decisions for themselves. They gain a better understanding of the true value of money and learn to take responsibility for their own.

With the Mydoh Smart Cash Card, your kids can gain confidence and start developing a healthy relationship with money.

An online money wallet being shown for a teen in the Mydoh app

Nothing beats experience

Kids can see the amount of money they have in their account and how much of that hard-earned money they’ll have to part with to buy something.

They begin to understand that a purchase is a trade-off, that there’s a difference between things they need and things they want, and can make smarter choices in time.

Spending smart takes practice.

Digital wallets for a family of kids being shown in the Mydoh app

Getting started is easy

As soon as you’ve set up your kid’s account and transferred some money from your Mydoh Wallet to your kid’s Mydoh Smart Cash Card2, you’re ready to go.

Kids can add their Mydoh Smart Cash Card to their Apple Wallet and make online or in-store purchases anywhere Visa or Apple Pay is accepted.

"Best way to pay! Amazing, this app is so easy to use! And it’s great for teens like me. I really recommend it if you have kids."

Riya S.
Apple App Store

FAQ

You bet! Mydoh is backed by the security and trust of Royal Bank of Canada.

Activating your child’s Mydoh Smart Cash Card is easy!

Digital Card – Your child’s digital card will be activated as soon as they sign up and log into their Mydoh account.

Physical Card – Once you receive your child’s physical card in the mail, it can be activated in 3 easy steps:

  1. Log on to your Mydoh Parent Account (not your child’s account).
  2. Scroll to the appropriate child’s name and tap ‘Manage Card’.
  3. Select ‘Activate Card’ and then enter the Activation Code found on the letter you received with your physical card!

Voila! Your child’s physical card is now ready for in store purchases 😊

Note: kids can only use the app when they have been invited by a parent.

They sure do! With a Mydoh physical card, your child can make purchases in-store, providing hands-on, real world experience. Follow these steps to order a physical card for your child.

Your child will also receive a digital Smart Cash Card in the app! They can use their digital card right away for online purchases.

Note: if your child has an iOS device, they can push their digital Smart Cash Card to their Apple Wallet. Currently, Apple restricts Apple IDs of less than 13 year olds from adding their card to Apple Wallet.

When inviting your child to Mydoh, you will have the option to order a physical card for them! If you select ‘Yes’, a physical card will be mailed out as soon as they have logged into their account for the first time.

If you have already completed the sign-up process and would like to order a physical card for your child, please follow these steps:

  1. Sign into your Mydoh parent account (not your child’s account).
  2. Scroll to the appropriate child’s name on your Home tab.
  3. Tap ‘Manage Card’ and then select ‘Order Physical Card’.
  4. Review your mailing address and edit it if necessary.
  5. Select ‘Confirm & Order’.
  6. Tada! Your child’s physical card has been ordered and will be mailed out soon.

Once you receive your child’s physical card in the mail, please follow these steps to activate their card!

Note: your child’s digital card will be available immediately and they can use it before they receive their physical card. The physical card should be delivered within 5-7 business days. 

We are coming out with a physical card soon, which will allow all kids to make in-store purchases!

Apple Pay: Kids who are 13 and older can use Apple Pay for in-store purchases by adding their Smart Cash Card to their Apple Wallet, right from the app.

Your kids do not require Apple Pay for online purchases. Just tap the card in the app and enter your child’s password to view the Smart Cash Card information.

Note: To use Apple Wallet your child’s Apple ID needs to show their age as 13 or above.

Google Pay and Samsung Pay: The Smart Cash Card cannot be used with Google Pay and Samsung Pay at the moment. We are coming out with a physical card soon, which will allow all kids to make in-store purchases!

Got questions? We’ve got answers.

Browse FAQ

Start your free trial today

Get your first 30 days free and give your kids a head start on building money skills*.

Seriously Secure

Kids can spend in-store and online up to allowable limits with their Mydoh Smart Cash Card issued by Royal Bank of Canada and powered by Visa.

Terms & Conditions

*The 30-day free trial offer is activated on the date of completion of the Mydoh mobile app account registration process. After your free trial offer ends, a monthly subscription fee of $4.99 ($2.99 for RBC Clients) will be taken out of your Mydoh Wallet. You can cancel any time by contacting Mydoh. Mydoh reserves the right to cancel, modify or withdraw this offer at any time.

† The RBC Visa Prepaid Mydoh Smart Cash Card (“Mydoh Smart Cash Card”) is available as a physical and digital card that can be used to pay for purchases online or in-store anywhere Visa contactless (tap) is accepted.

 

Footnotes

1. The RBC Visa Prepaid Mydoh Smart Cash Card (“Mydoh Smart Cash Card”) is available as a physical and digital card that can be used to pay for purchases online or in-store anywhere Visa contactless (tap) is accepted.

2. Parents can load and kids can access up to a maximum of $500 per day on their Mydoh Smart Cash Card. When loading money to a Mydoh Smart Cash Card, there are limits to the number of transfers and dollar amounts. Please see transfer and transaction limits.

3. RBC Client means an individual who holds at least one personal deposit account with Royal Bank of Canada (excluding saving accounts and US dollar accounts), or a personal RBC Royal Bank Credit Card.

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