I have used both GoHenry and Greenlight. I started with GoHenry but switched to Greenlight b/c I live in the US. I am giving Greenlight a negative review because their customer service is lacking. This tends to be a problem with a few services oriented towards children (e.g., GABB phones). It was difficult for me to get reliable and accurate responses to questions. I sometimes waited 48 hours for a response. I often got a response that was "canned," and it appeared the responder did not even read the e-mail but just hit the canned reply button. It is very difficult to contact any human being live and they are overseas and are generally not empowered to help you but can send a message and someone will "look into it" and then you do not hear back... Furthermore, I found the constantly increasing prices from 3.99 to 9.99 in 18 months to be excessive. There is no way that this service is worth $10/month per account. Another irritating points is that I had just been charged the monthly fee (sticker shock) and decided to close the accounts that same day. The 100% plus price hike since I signed up finished for me - especially as there were still basic things I could not do with the app. I closed the account, I am still waiting for the money to come back to my bank account days later...I also asked for a refund of the recent monthly fee as I was not going to use the cards for that month given the cancellation. Nope - if you cancel and they have debited your account already, you are SOL and they keep your monthly fee even at beginning of month - no offer of even a partial rebate. I CANNOT even download the history from my account to contradict their claims that there was activity on my kids accounts and you must cancel your account to get your money back. I e-mailed multiple times and got the same canned reply which never addressed my actual request to be refunded the monthly charge. The CS just replied my balance in the account will be refunded in time. They refused to credit me any of the $20 monthly fee that had just hit my bank account, keeping it despite cancellation and not using the cards this month. They claimed my kids had activity on the account, thus the full charge. Unfortunately, my kids hardly used their cards as the cards were turned down ALOT (another reason I am going with a major bank) so we found them unreliable (Goodwill even rejected the card of my thrifting teenager). There are so many fintech and trad bank options nowadays - free ones too with the major banks for your kids....this was a "good" concept and can work for elementary school-aged kids and maybe even tweens but the service is overpriced, bad customer service (& customer service culture) and it lacks key services (why is it so hard to deposit a check that someone has made out to the child!). I am a PE/VC investor in fintechs and I struggle to see how mainstream America will want to pay $9.99 for this service when money-conscious families would rather save the $72/yr (bare bones), $120 (mid) or $180 (high) per card. Need to rethink the pricing model and product market fit for your audience or partner to deliver at a lower cost or add more functionality. Also, please do not make us parents/guardians do everything on the App - please have your website be interactive - there are some of us with the money who prefer laptops over phones at times.
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