This is your bank, redefined. Get powerful daily banking and global freedom. Sign up for free in a tap.
Spending Limits gives young people and their families simple tools to manage how money can be spent. Create appropriate limits, understand available spending capacity and adjust controls as financial independence develops. Set a limit. Stay aware. Spend with confidence.
Set limits that help manage spending across the Youth experience. Depending on the account and applicable permissions, limits can be applied across several areas.
Parents and guardians can use spending controls to help introduce financial independence gradually. Set appropriate boundaries while allowing young people to make everyday spending decisions within those boundaries. Controls and permissions can vary according to age, account structure and applicable requirements.
A single weekly cap set by a parent or guardian. Everything else stays supervised.
Separate daily and contactless ceilings, so spending can be shaped more precisely.
Opened only when needed, usually on request and still subject to a parent-set ceiling.
Oversight moves to reviewing rather than setting — the young person adjusts within an agreed range.
Student Accounts are designed around a more independent financial experience. Students can use spending tools to understand and manage their own spending, helping them stay within the limits they set for themselves where the feature is available.
Where supported, create limits for specific types of spending. Rather than one overall cap, each category can carry its own ceiling — so a tight food budget does not have to restrict transport.
Not every week looks the same. Allow appropriate limits to be adjusted when circumstances change — whether that means a school trip, holiday, university event or another temporary need.
Spending Limits can work alongside Youth Card controls to provide a broader level of protection and management. Depending on the card and account, controls can include freeze and unfreeze, online payments, contactless payments and cash withdrawals.
See how much spending capacity remains within an applicable limit. This gives young people a clearer relationship between spending and available money.
Spending Insights helps you understand your financial activity. Spending Limits helps you manage future spending. Together they close the loop between looking back and deciding forward.
Spending Limits can work alongside Learning Alpha, helping young people understand concepts such as budgeting, planning, prioritisation and responsible spending through their own financial experience. The goal is not simply to restrict spending — it is to help young people learn how to manage money independently.
A limit is a budget you can actually see, in an amount that has to last a set period.
Knowing what resets and when changes the way a week gets organised.
When the ceiling is fixed, choosing between two purchases becomes a real decision.
Staying inside a limit is a habit built by repetition, not by instruction.
A younger user may need stronger parental involvement and simpler limits. An older teenager or student may need greater control over their own finances. TEOLOGU's Youth experience can evolve as the relationship between the young person, their money and their family changes.
One or two ceilings, set by a parent. The point is familiarity, not freedom.
More limits, more categories, and the first real say in what the numbers are.
Full control of every limit, with insights replacing supervision.
Spending Limits is part of the TEOLOGU Youth product vision and may be introduced progressively.
Spending Limits is a money-management feature. It restricts how much can be spent on the card and does not provide credit, an overdraft or a guarantee that a payment will be declined in every circumstance. Individual merchants and payment types may not always respect a limit, and some authorisations can settle at a different amount.
Availability of limit types, category limits, temporary limits, card controls and self-managed limits may vary by country, the account holder's age, account structure and supported providers. The controls available to a parent or guardian depend on the account type, the account holder's age and applicable law.
Learning Alpha content is general financial education and does not constitute financial, investment, tax or legal advice. Examples and figures shown on this page are illustrative. Where required, services may be provided through appropriately authorised entities or partners.
Set a limit. Stay aware. Spend with confidence.