| Costs & pricing model | Monthly base costs | -
•
Completely free = full points
-
•
≤ €2/month = 8 points
-
•
≤ €4/month = 5 points
-
•
≤ €6/month = 3 points
-
•
> €6/month = 0 points
| 10 |
| Hidden costs (top-up, replacement card etc.) | -
•
No additional costs = full points
-
•
Individual fees (e.g. replacement card) = 3 points
-
•
Several hidden costs = 1 point
-
•
Non-transparent fee structure = 0 points
| 5 |
| Free basic version available | -
•
Yes, fully-fledged free plan = full points
-
•
Free trial available = 2 points
-
•
Paid plans only = 0 points
| 5 |
| Card offering & acceptance | Card type & acceptance | -
•
Visa/Mastercard Debit (worldwide) = full points
-
•
Visa/Mastercard Prepaid (worldwide) = 5 points
-
•
girocard only (Germany) = 2 points
-
•
Virtual card only = 1 point
| 6 |
| Contactless payment (NFC) | -
•
Yes, included = full points
-
•
No = 0 points
| 2 |
| Apple Pay & Google Pay | -
•
Both available = full points
-
•
Only one available = 2 points
-
•
None = 0 points
| 3 |
| Own IBAN available | -
•
Yes, own IBAN = full points
-
•
No (prepaid only) = 0 points
| 4 |
| Financial education & teaching | Tasks & rewards system | -
•
Extensive system with tasks & rewards = full points
-
•
Simple task system = 3 points
-
•
No task function = 0 points
| 6 |
| Savings goals / pots | -
•
Several savings goals with progress display = full points
-
•
Simple savings function = 2 points
-
•
No savings function = 0 points
| 5 |
| Age-appropriate design | -
•
Child-friendly app with gamification = full points
-
•
Adapted design without gamification = 2 points
-
•
Standard banking interface = 0 points
| 4 |
| App & usability | Children's app available | -
•
Dedicated children's app = full points
-
•
Shared use of the parent app = 2 points
-
•
No app = 0 points
| 5 |
| Parent app / dashboard | -
•
Dedicated parent app with full control = full points
-
•
Limited parent dashboard = 2 points
-
•
No parental features = 0 points
| 4 |
| App rating (App Store) | -
•
≥ 4.5 stars = full points
-
•
≥ 4.0 stars = 4 points
-
•
≥ 3.5 stars = 2 points
-
•
< 3.5 stars or no app = 0 points
| 6 |
| Security & parental control | Overdraft protection | -
•
100% prepaid / credit-based = full points
-
•
Overdraft with a limit possible = 1 point
| 3 |
| Real-time notifications | -
•
Push notification for every transaction = full points
-
•
Daily/weekly summary = 1 point
-
•
No notifications = 0 points
| 3 |
| Adjustable spending limits | -
•
Flexible limits (day/week/month) = full points
-
•
Simple limit only = 2 points
-
•
No limits possible = 0 points
| 3 |
| Instant card blocking | -
•
In the app with one click = full points
-
•
By phone/email only = 1 point
-
•
Not possible = 0 points
| 3 |
| Protection from subscription traps / online payments can be blocked | -
•
Yes, specifically controllable = full points
-
•
Only fully on/off = 1 point
-
•
Not possible = 0 points
| 3 |
| Cash & payments | Cash withdrawals in Germany | -
•
Free (unlimited) = full points
-
•
Limited number free = 3 points
-
•
Charged (< €3) = 1 point
-
•
Charged (≥ €3) = 0 points
| 5 |
| Foreign currency fee | -
•
0% = full points
-
•
≤ 1.5% = 2 points
-
•
≤ 2% = 1 point
-
•
> 2% = 0 points
| 3 |
| Top-up options | -
•
Several free methods (SEPA, standing order etc.) = full points
-
•
One free method = 1 point
-
•
Paid top-ups only = 0 points
| 2 |
| Customer service | Support channels | -
•
Phone + chat + email = full points
-
•
Chat + email = 2 points
-
•
Email only = 1 point
-
•
No direct support = 0 points
| 3 |
| Help centre / FAQ / tutorials | -
•
Extensive with videos and guides = full points
-
•
Simple FAQ available = 1 point
-
•
No documentation = 0 points
| 2 |
| Extras & special features | Personalisation (card designs etc.) | -
•
Large choice of designs = full points
-
•
Limited selection = 1 point
-
•
No personalisation = 0 points
| 2 |
| Family suitability (several children) | -
•
Several children easy to manage = full points
-
•
Possible with restrictions = 1 point
-
•
Only one child per account = 0 points
| 2 |
| Additional learning/educational offers | -
•
Integrated educational content = 1 point
-
•
None = 0 points
| 1 |
