Osper
- Company typePrivate
- Founded2013
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingServices
Osper firmographics
Firmographics- Name
- Osper
- Legal name
- Osper Ltd
- Website
- https://osper.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Ownership category
- akta.pro rank
Osper industry classification
Industry- Product category
- Youth Banking / Prepaid Debit Cards
- akta.pro primary industry
- Youth / Family Wallets & Allowance Payments (FSAMAEAK)
- akta.pro secondary industry
- Student & Youth Banking (FSABAAAH)
Keywords
Where Osper is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Osper business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Monthly subscription: Monthly subscription charged per child card. Includes card issuance, in-app chat support, email support, and all core platform features.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Osper subscription |
| One time/ perpetual license | Pay-as-you-go | Standard replacement card |
| Usage-based | Pay-as-you-go | International ATM withdrawal |
| Usage-based | Pay-as-you-go | International purchase surcharge |
| Transaction based/ take rate | Pay-as-you-go | Gift loading fee |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels7 records
Osper product offering
Product offeringCore offering
Osper provides a prepaid debit Mastercard and companion mobile banking apps designed for children aged 6-18. Parents can set allowances, load money, lock/unlock cards, and monitor spending in real-time, while children use a separate app to spend, save, and tag transactions. The platform combines Mastercard acceptance with parental controls and financial education tools tailored to under-18s.
Differentiator
Problem solved
Functional benefit
Products and services
- Osper Prepaid Debit Mastercard A prepaid debit Mastercard for young people aged 6-18 that enables them to spend and save pocket money while parents maintain control through monitoring and spending limits. The card is issued by IDT Financial Services Limited pursuant to a Mastercard licence and is accepted at over 33 million shops worldwide.
- Osper Parent App Companion iOS and Android app for parents and guardians to manage a child's Osper card, set allowances, load money instantly, monitor transactions, lock cards, and control spending settings such as online shopping, contactless, and ATM withdrawals.
- Osper Young Person App Mobile app for children and young people to track spending, tag transactions by category, manage savings goals, view balances, and receive PIN reminders, providing them with their own interface independent of the parent app.
- Osper Dashboard Web-based parent portal for managing card orders, ordering replacement or additional cards, and browsing premium card designs.
- Premium Card Designs Premium themed card designs sold as a paid add-on. Standard replacement cards cost £4; premium branded cards cost £6.99.
Quantifiable outcome
- Card delivery within 5-7 days of ordering
- +2 more outcomes
Companies that use Osper
Customer profileNamed customers1 record
Segments2 records
Ideal customer profiles2 records
Osper technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature8 records
Osper partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- IDT Financial Services LimitedcoreIDT Financial Services Limited is a regulated bank licensed by the Gibraltar Financial Services Commission. They are the card issuer for Osper prepaid debit cards, providing the banking infrastructure and regulatory framework that allows Osper to operate as a prepaid card service.
- Mastercard InternationalcoreOsper cards are issued under license from Mastercard International, enabling acceptance at over 33 million shops worldwide and 2 million+ ATMs globally. Osper uses Mastercard's exchange rates for international transactions.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
Osper competitors and assessment
Company assessmentDirect peers
- Greenlight: US-based debit card and educational platform for kids and teens with parental controls, automatic allowance, savings goals, and investing features. Directly comparable to Osper in product offering, target age range (6-18), and family-focused subscription model.
- GoHenry: UK-founded prepaid debit card and financial education app for 6-18 year-olds with parent controls, allowance management, and spending insights. The closest direct competitor to Osper in the youth allowance payments space, with comparable subscription pricing and feature set.
- RoosterMoney: UK-based family allowance and chores tracking app with prepaid card option for children. Directly comparable to Osper in the UK family allowance payments category with similar subscription model and parental control features.
Regional players
- BusyKid: US-based kids' debit card, chores, allowance, and investing platform for children. Comparable in combining allowance management with prepaid debit functionality, but operates in the US market and does not directly overlap with Osper's UK-only geographic focus.
- FamPay: India-based teen-focused prepaid card and payments app targeting 12-18 year olds with parental controls and group payments. Comparable in product offering and youth financial education mission but operates exclusively in India and does not directly compete with Osper in the UK.
Broad incumbents
- Revolut Junior: Youth card product within Revolut's broader digital banking platform for children aged 6-17 with parental controls and spending tracking. Comparable as a youth-focused debit card offering but bundled within a much larger multi-currency banking platform rather than a dedicated kids' product.
- Starling Bank (Kite Card): UK challenger bank's debit card for 6-15 year-olds linked to a parent-managed account with spending controls. Similar in targeting UK families with children but offered as part of Starling's full current account ecosystem rather than a standalone subscription.
- Monzo (16+ account): UK challenger bank offering full current accounts to 16-17 year olds with parental visibility features. Comparable in addressing youth banking needs in the UK but serves older teens and operates as part of a broader challenger bank portfolio.
- NatWest Rooster Card: UK incumbent bank's prepaid debit card for children aged 6-17 with parental controls via mobile app. Operates as part of NatWest's broader retail banking portfolio rather than a standalone youth fintech, competing with Osper on similar features at no monthly subscription cost.
Emerging players
- Copper (formerly Till Financial): US-based kids and teens banking platform with debit card, chores/allowance, financial education, and parent monitoring. Similar age range and parental-control architecture to Osper, currently smaller scale and focused on the US market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks3 records
Key highlights6 records
Customer concentration
Osper social profiles
Digital presenceOsper compliance and trust
Trust signalCompliance2 records
Osper financial estimates
Financial estimateRevenue estimate
Valuation estimate
Osper leadership team
Management profileNumber of profiles
Profiles3 records
Osper funding detail
Funding detailFunding overview
Funding rounds2 records
Investors7 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Osper M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Osper
What does Osper do?
Osper provides a prepaid debit Mastercard and companion mobile banking apps designed for children aged 6-18. Parents can set allowances, load money, lock/unlock cards, and monitor spending in real-time, while children use a separate app to spend, save, and tag transactions. The platform combines Mastercard acceptance with parental controls and financial education tools tailored to under-18s.
Is Osper a public or private company?
Osper is a private company. It is classified as venture growth investor backed and is currently operating.
When was Osper founded?
Osper was founded in 2013. It employs 11 to 50 people.
Where is Osper based?
Osper is headquartered in London, United Kingdom, in the Europe region.
How does Osper make money?
One revenue line is on record: monthly subscription.
Who are Osper's main competitors?
Direct peers on record are Greenlight, GoHenry and RoosterMoney. Regional players are BusyKid and FamPay. Broad incumbents are Revolut Junior, Starling Bank (Kite Card), Monzo (16+ account) and NatWest Rooster Card. Copper (formerly Till Financial) is listed as an emerging player.
Does Osper have an API?
No public API is recorded for Osper.
What industry is Osper in?
Osper's product category is Youth Banking / Prepaid Debit Cards. Its primary akta.pro industry code is FSAMAEAK, Youth / Family Wallets & Allowance Payments, with a secondary code of FSABAAAH, Student & Youth Banking.