Manibux

What Manibux does

Manibux Bilişim Hizmetleri A.Ş. is a Turkish Edu-Fintech company founded in Istanbul in 2016 by Canan Bayrak, providing a digital pocket money management platform for children under 18 and their parents. The product combines a mobile application (iOS and Android) with a Mastercard-branded prepaid card linked to a single Harçlık Cüzdanı (allowance wallet), and includes a digital piggy bank (Dijital Kumbara), task-based reward system, goal-setting, financial reporting, and FAST IBAN instant transfers. All payment and electronic money services are operated through a representation agreement with SiPay Elektronik Para ve Ödeme Hizmetleri A.Ş., a licensed payment institution regulated by the Central Bank of the Republic of Turkey under Law No. 6493; the company also references PCI DSS and KVKK compliance for cardholder data.

The company's go-to-market is primarily product-led and self-serve via app stores, supplemented by a B2B school distribution channel through the Manibux K12 program, which has scaled to 80,000+ students and integrates the card with school canteen POS, school store payments, student ID, and entry/exit tracking. The 2020 Manibux Allowance Report was based on data from 50,000 families and 90,000 children. Revenue is generated through a freemium model: Manibux Standard is free with per-transaction card loading fees, while Manibux PRO is a paid subscription (monthly or annual, with annual receiving 2 free months) that unlocks unlimited allowance transfers, commission-free FAST IBAN loading, and higher loading limits; additional revenue comes from physical and virtual card sales, credit card loading commissions, and a verified Sözleşmeli account tier with limits up to 50,000 TL. The company has disclosed no revenue, has 1–10 employees, and has raised approximately $388K in disclosed funding across four rounds (2017–2023) from APY Ventures, Fark Labs, and Pytch Ventures.

Name

Manibux

Legal name

Manibux Bilişim Hizmetleri A.Ş.

Website

https://manibux.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Manibux is a Turkish Edu-Fintech platform providing digital pocket money management for children under 18 via a mobile app and Mastercard-branded prepaid card. It serves Turkish families and K-12 schools with allowance transfers, digital savings, and financial literacy tools.

Ownership category

akta.pro rank

Product category

Children's Digital Allowance Management

NAICS

Credit Card Issuing (522210)

SIC

Finance Services (6199)

akta.pro primary industry

Youth / Family Wallets & Allowance Payments (FSAMAEAK)

akta.pro secondary industries

Card Issuing & Virtual Cards (lodge cards, single-use, tokenization) (THALAHAB), Alternative Payments & Digital Wallet Acceptance (A2A, RTP, wallets) (THALAHAH)

Keywords

• Digital allowance management
• Children's prepaid card
• Edu-fintech platform
• Financial literacy app
• Parental payment control

Headquarters

HQ city

Istanbul

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations, Supply Chain

Revenue model

1. PRO Subscription Fee: Manibux PRO is a paid membership tier offering unlimited allowance transfers, free FAST IBAN transfers from bank accounts, and higher loading limits. Available as monthly or annual subscription. Manibux Standard is free but charges per transaction.
2. Card Loading / Transaction Fees: Fees charged per allowance loading transaction when using a payment card within the app. Standard tier charges a per-transaction fee; PRO tier waives the transaction fee but bank commissions still apply. Balance loading at physical points may incur point-specific fees.
3. Physical and Virtual Card Sales: Manibux cards (physical and virtual) are sold through partner sales points and the website. The card purchase fee is set per sales channel.
4. Credit Card Loading Commission: When loading funds using a credit/debit card via the in-app payment tool, a service commission is charged by the payment service provider.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

Manibux operates a mobile application (iOS/Android) and Mastercard-branded prepaid card system that enables parents to send instant digital pocket money (harçlık) to children under 18, with real-time spending controls, goal-based savings, and chore-based rewards. The platform is operated as a representative of SiPay Elektronik Para ve Ödeme Hizmetleri A.Ş., a licensed electronic money institution regulated by the Turkish Central Bank, and is extended to K-12 schools through the Manibux K12 school card program for canteen payments, student ID, and access control.

Product overview

Manibux is a digital allowance management system consisting of a mobile application and a Mastercard-branded prepaid debit card for children and teenagers under 18, operated as a representative of SiPay Elektronik Para A.Ş. The core offering combines the Manibux Mobile App (used by parents and children) with the Manibux Prepaid Card and Sanal Kart (virtual card), which share a single Harçlık Cüzdanı (allowance wallet). Key sub-products include the Dijital Kumbara for savings and goal-setting, the K12 school card (with Okul Cüzdanı for separate school spending), and the PRO membership tier unlocking unlimited transfers and FAST IBAN. Supplementary features include recurring allowance scheduling, relative-to-child allowance requests, financial reporting, and the Fırsat Biletleri discount program. The system is positioned within the Edu-Fintech category, targeting financial literacy education for youth aged 6–18.

Differentiator

Problem solved

Functional benefit

Brands

• Manibux K12: School-focused version of Manibux card and app designed for students aged 8-18, featuring canteen payment, school ID, entry/exit tracking, and location control functionalities within educational institutions.

Products and services

• Manibux Mobile Application Native iOS and Android mobile application used by parents to send instant digital allowance, monitor spending in real time, set spending limits, assign chores with monetary rewards, schedule recurring allowance, and access weekly/monthly financial reports for children under 18.
• Manibux Prepaid Card Mastercard-branded physical prepaid card linked to the child's allowance wallet, accepted at all Mastercard member merchants and online worldwide, with parent-controlled spending limits, freeze/unfreeze controls, and real-time transaction visibility.
• Manibux Sanal Kart (Virtual Card) Instantly generated virtual prepaid card linked to the same Harçlık Cüzdanı allowance wallet as the physical Manibux card, usable immediately for online purchases before the physical card arrives.
• Manibux K12 School Card Program School-focused version of the Manibux card and app for students aged 8-18, functioning as a canteen payment card, school store card, student ID card, and entry/exit tracking card, with a separate Okul Cüzdanı (school wallet) for parental oversight.
• Manibux PRO Membership Premium subscription membership tier for parents offering unlimited monthly allowance transfers, commission-free FAST IBAN loading from bank accounts, and higher loading limits (up to 20,000 TL for verified accounts). Available as monthly or annual billing, with annual subscribers receiving 2 months free.

Quantifiable outcome

• 80,000+ students reached through K12 program
• +3 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• SiPay Elektronik Para ve Ödeme Hizmetleri A.Ş.coreTechnology or IntegrationSiPay is a licensed electronic money and payment institution regulated by the Central Bank of Turkey. Manibux Bilişim Hizmetleri A.Ş. operates as SiPay's representative under Law No. 6493, and all payment and electronic money services on the Manibux platform are provided by SiPay. This is the foundational regulatory and infrastructure relationship enabling Manibux's operations.
• MastercardcoreTechnology or IntegrationManibux issues Mastercard-branded prepaid cards accepted at all Mastercard merchant locations worldwide, including online. The card carries the Mastercard logo and operates under Mastercard's card network rules and standards.
• Partner Schools (K-12)coreStrategic or Co-development PartnerManibux partners with K-12 schools to distribute Manibux K12 cards to students, enabling cashless canteen payments, school store purchases, student ID, and entry/exit tracking. The program has reached over 80,000 students across Turkey. Schools receive branded cards and integration with Manibux's backend for student management.
• Hasan Usta KebapminorGTM or Marketing PartnerA promotional partnership offering Manibux users discounts at Hasan Usta Kebap restaurants, including 950 reward points and 5% discount on total basket, plus 50 TL discount on first order through their app.
• GiftedTürkminorGTM or Marketing PartnerGiftedTürk offers Manibux users a 10% discount on their cognitive skills education platform subscription using promo code MNB10.
• Ayben Kutu Oyunları (Ayben ile Oyun)minorGTM or Marketing PartnerAyben ile Oyun offers Manibux users an additional 15% discount on top of all other discounts on their board game e-commerce website.
• Mustafa Sandal (Celebrity Endorser)minorGTM or Marketing PartnerTurkish pop singer Mustafa Sandal has been associated with Manibux as a supporter/celebrity endorser, as referenced in Hürriyet newspaper coverage.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• GoHenry: UK-founded youth debit card and financial education app for kids aged 6-18 with parental controls and task-based earning, now operating in the US. Closest direct comparison to Manibux in terms of app + prepaid card + parental allowance management model.
• Greenlight: US-based debit card and financial literacy platform for kids and teens with parental controls, chores/rewards, savings goals, and investing. Directly comparable on product scope (prepaid card + app + parental oversight) and target demographic.
• RoosterMoney: UK allowance management app with prepaid Visa card for children, featuring chores, savings goals, and parental monitoring. Highly comparable as a regional allowance/prepaid card offering before broader incumbent entry.
• Step: US teen banking platform offering a Visa-backed card with parental oversight, spending insights, and credit-building features. Comparable prepaid-card-plus-app model targeting under-18s.
• Current: US fintech offering a teen checking account and debit card with parental controls, chore-based allowance, and savings pods. Overlaps with Manibux on allowance automation, prepaid card, and goal-based saving for minors.
• NatWest Rooster Card: UK bank-branded prepaid card for kids issued in partnership with RoosterMoney, offering parental controls and financial education. Comparable as a bank-distributed youth allowance card product.
• Osper: UK prepaid card and mobile banking app for 8-18 year olds with parental controls and financial education tools. Comparable as a youth-focused prepaid card with parent-managed allowance and saving features.

Broad incumbents

• Revolut Junior: Youth sub-product of Revolut, a large European neobank offering a prepaid card for under-18s within the parent's Revolut account. Comparable functionality but embedded inside a broader adult fintech, not a standalone Edu-Fintech brand.
• Starling Bank (Kids/Kite): UK challenger bank offering a kids debit card linked to a parent account, with spending controls and app-based monitoring. Comparable youth card/parent oversight offering but bundled within a broader current account platform.
• Papara: Leading Turkish digital wallet and prepaid card provider operating under BRSA regulation, with millions of users. Comparable as a Turkey-based prepaid card/e-money issuer, though not focused exclusively on the youth/allowance niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/manibuxkart
• YouTubeyoutube.com/c/manibuxharclik
• Facebookfacebook.com/manibux
• Instagraminstagram.com/manibuxapp
• LinkedInlinkedin.com/company/10774662

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds4 records

Investors3 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Manibux