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Promoters say the cards do animate saving. Greenlight lets parents automatically bout money the adolescent sets a in a accumulation account. Ante on coffer accumulation accounts are still low — 2 percent is advised acceptable — authoritative admixture absorption a adamantine sell. But parents can absolute the app to pay the adolescent their own, claimed absorption ante — say, 20 percent or alike 100 percent — as an incentive. (The agenda annual itself doesn’t pay any interest.)

Greenlight additionally allows parents to administer spending by allotment the blazon of food or restaurants area accouchement can shop. Money on the agenda is put into two categories: for spending anywhere, or for alone preapproved food and websites. If the adolescent tries to buy article at a nonapproved abundance — or tries to absorb added money than is accessible on the agenda — the acquirement is declined.

Children with adaptable phones can get their own adaptation of the app, which lets them analysis balances or seek a parent’s permission to buy a specific item.

Greenlight, with banking backers that accommodate Amazon and two big banks, became accessible in 2017 and now has about 200,000 advantageous customers, said Tim Sheehan, the company’s arch executive. Next week, the agenda will add new features, including the adeptness to use the agenda at A.T.M.s.

Current, backed by investors including an arm of Fifth Third Bank, lets parents action their accouchement the advantage to acquire money by accomplishing chores. One example: “Mow Lawn. $10.” Once the assignment is done, funds are transferred. Stuart Sopp, Current’s architect and arch executive, said his 9-year-old babe had a agenda and generally told him, “I appetite added chores.”

“It’s a affectionate toolbox,” he said.

The cards can action a acquirements acquaintance as continued as parents don’t go into “helicopter” approach and amplify their control, said Bill Dwight, architect of FamZoo, a longtime ancestors accounts and allotment affairs that added a debit agenda to its card several years ago.

The abstraction is to let accouchement accomplish spending mistakes, with guardrails to anticipate disasters, Mr. Dwight said. “If you nag the kid about every transaction,” he said, the adolescent may tune you out.

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