Global IME Bank Launches Global Junior App for Children’s Digital Financial Literacy

16th November 2025, Kathmandu

Global IME Bank has taken a proactive step towards fostering financial literacy among the younger generation with the launch of the Global Junior App.

Global Junior App for Children

This secure and user-friendly digital platform is specifically designed for children aged 10 to below 18, offering a guided and engaging environment for them to interact with digital money management and develop a strong sense of financial responsibility from an early age. The initiative strategically aims to promote safe digital transactions and build long-term customer engagement by integrating financial education directly into the daily lives of minors and their parents.

The Global Junior App functions as a controlled ecosystem, ensuring that every financial activity is monitored and supervised. The app is meticulously linked to a parent’s primary account through the Global Smart Plus app. This linkage is fundamental, as it provides parents with the necessary tools to regulate the child’s digital finances, acting as a secure gateway for all transactions.

A Comprehensive Framework for Financial Learning

The app is built around a four-pillar learning framework—Earn, Learn, Save, and Spend—that simulates real-world financial concepts in a safe, digital playground.

EARN: This feature introduces the concept of earning money through effort. Children can earn funds by completing tasks and chores assigned by their parents within the app. They can also request allowances, giving them practical experience in managing expected income and the value of work.

LEARN: The app serves as a real-time educational tool. Children are able to track their earnings, savings, and spending, while parents retain the ability to supervise and provide guidance. This creates a collaborative learning experience where financial habits are openly discussed and reinforced.

SAVE: This is crucial for long-term financial health. Users can set personalized saving goals and, importantly, earn interest on their savings. This mechanism teaches children the powerful principle of compounding and how consistent savings can lead to financial growth over time.

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SPEND: The app allows for secure spending only within parent-defined limits. This ensures that children practice responsible decision-making by making thoughtful purchases, mitigating the risk of impulsive or unauthorized spending, and preventing overspending.

Security, Oversight, and Digital Functionality

The Global Junior App is a secure platform that prioritizes parental control and data security, essential for a product aimed at minors. Parents have the capability to monitor all activity in real time, adjust spending boundaries, review transaction history, and manage savings goals. Crucially for safety, cash withdrawals are disabled, ensuring that usage remains strictly digital and traceable. The app also features Biometric login support for enhanced user security and ease of access.

The children themselves can perform various digital transactions within the defined limits, facilitating early familiarity with Nepal’s digital payment ecosystem:

• QR Payments: Supports interoperable QR payments through major networks, including FonePay, SCT, and NepalPay.
• Quick Wallet Load: Allows fast loading of funds into popular e-wallets like eSewa and Khalti.
• Fund Transfer: Enables basic internal fund transfers through account number, phone number, or user tag within Global IME Bank.
• Mobile Top Up: Facilitates simple prepaid mobile top-up payments.

Transaction Limits and Pricing Structure

The app operates under strict regulatory controls, which ensures safety while still allowing for meaningful learning. The maximum thresholds are set as follows, though parents have the flexibility to adjust the limits downwards:

• Parent to Global Junior App (Deposit): Maximum limit of NPR 5,000 per transaction and a monthly limit of NPR 10,000, with a maximum of 10 transactions allowed.
• From Global Junior App (Spending/Transfer): Maximum limit of NPR 5,000 per transaction and a monthly limit of NPR 10,000, with a maximum of 10 transactions allowed.

The eligibility criteria require the child to be between 10 and below 18 years of age. The parent or guardian must be an active customer of Global IME Bank with the Global Smart Plus app installed, and the Global Junior App must be installed on the child’s device.

As an introductory offer, the bank is providing the first year of service for free. The recurring subscription fee from the second year onward is a nominal NPR 50 per year, making this a highly affordable tool for financial education.

For More: Global Junior App for Children