Just a word of caution to anyone who has a GoHenry account for their child/ children. Fraud is so prevalent particularly at this time of year and I did not realise when we signed up for GoHenry that as it is only an e money platform and therefore is not covered (or more to the point your money is not covered) by the FSCA. Banks obviously are. What this means in practical terms is that if, like my 13 year old, your card was cloned (and although she was playing in a school hockey match in Dorset so very clearly did not make the purchase) and someone used the cloned card make a purchase for the entirety of the £160 she had in her account at the Apple store in Manchester, that's just bad luck. We have spent 3 months battling with GoHenry as we have proof (via geotagging on her phone) that she was in a geographically different part of the world at the time the purchase was made, that doesn't count. To add insult in injury the Customer Service representative who confirmed that after 3 months of providing compelling evidence etc there would be no reimbursement, signed off the email 'Have a wonderful day'. My daughter is heartbroken as she had saved so hard - neither she or I are going to have a 'wonderful day' having had £160 stolen. We have obviously switched all our kids to children's bank accounts which offer almost all the benefits (if not more) of the GoHenry card, do not carry the same fees for topping up etc and most important of all, my daughter would have got her money back within days if she had been with Natwest (or any other FSCA backed institution). So only use GoHenry if you are 100% certain that no fraud could be committed, otherwise it's a massive risk.