I’ve been exploring digital payment options for my younger sibling, so I’m curious to know that how does the FamPay wallet actually work for teenagers who don’t have a traditional bank account?
Hey, when I walked through the features of FamPay for my younger sibling who doesn’t yet have a bank account, I found the setup is actually tailored for exactly that situation. Here’s how it works:
How It Works for Teens Without a Traditional Bank Account:
• Teens (typically aged 11 and up) can open a spending account through FamApp that acts like a prepaid wallet—no need for their own bank account.
• A parent or guardian loads funds into that account; the teen then uses a virtual card, UPI ID, or optionally a physical card to spend from the wallet.
• The funds are under the control of the parent/guardian, which keeps spending safe and supervised.
• Because it’s prepaid, there’s no automatic deduction from the teen’s or parent’s bank account—making it lower risk for both.
• It works online and often offline too (depending on card acceptance) and is a practical way for teens to learn responsible spending under supervision.
What to Watch:
• Ensure the parent loads sufficient money ahead of time so the teen isn’t stuck at checkout.
• Review any fees or conditions for physical cards or reloads.
• Use it as a teaching tool: monitor spendings, budget limits, and talk about responsible use.
Official Website:
You can get full details and see eligibility here: