Your money. Your choice.
CareLeap gives you the tools, support and flexibility to manage money independently.
It’s a marathon, not a sprint.
Financial independence develops gradually. CareLeap supports young people as they build confidence, understanding and responsibility at a pace that is right for them.
Financial independence is part of the journey — not the starting point.
Choose what works for you.
Where the Local Authority makes the CareLeap financial account available, a young person can choose savings only, a physical card only, or both. These are flexible arrangements, not forced or permanently fixed choices.
Savings account only
Save for your goals.
- Save money securely
- No purchases
- No everyday withdrawals
- Transfer incentives and rewards into savings through the app
- Set a savings goal
- Request release when the goal is reached
- Local Authority approval required before release
Physical card only
Manage everyday spending.
- Use for permitted purchases
- Use online where permitted
- Cash withdrawals where permitted
- Local Authority spending limits
- Local Authority withdrawal limits
- See relevant money activity through CareLeap
Both
Save + spend.
- Savings account for goals
- Physical card for permitted everyday spending
- Transfer incentives and rewards into savings
- Build savings while practising everyday money management
- Savings release remains subject to the agreed process and Local Authority approval
Your choice can change as you develop.
You do not have to remain with the same arrangement forever. Your financial pathway can develop as your confidence, circumstances and independence develop, subject to Local Authority and financial-provider requirements.
Save for your goals. Build towards your future.
The savings account is designed specifically for protected, goal-based saving. It has no physical or virtual purchasing card.
- Set a savings goal within the CareLeap app
- Transfer money earned through incentives and rewards into savings
- Watch savings grow towards the chosen goal
- Money cannot be used for purchases or everyday withdrawals
- Request release through the app after the goal is reached
- The Local Authority must approve the request before money is released
- Practise patience, planning and financial responsibility
My savings goal
College laptop
Saved securely
£360
of £500
Protected for your goal
No purchases or everyday withdrawals
Release by request
Local Authority approval is required
Spend, save and take control.
The physical card supports greater financial independence while appropriate controls remain in place.
- Use for everyday transactions in shops and online where permitted
- Cash withdrawals can be available where permitted
- The Local Authority sets spending and cash-withdrawal limits
- The card contains the young person’s details
- Relevant transactions and money activity are visible through CareLeap
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Cardholder
MM
Illustrative concept
Important: Card access, purchases and withdrawals are never unlimited. They remain subject to agreed permissions, controls, eligibility and regulated partner arrangements.
Save and spend — your way.
These are two separate money-management functions: protected savings for longer-term goals, alongside a physical card for permitted everyday spending and withdrawals.
My savings goal
College laptop
Saved securely
£360
of £500
Protected for your goal
No purchases or everyday withdrawals
Release by request
Local Authority approval is required
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Cardholder
MM
Illustrative concept
Money from incentives and rewards can be moved into savings while the young person practises everyday spending. Savings stay separate and protected, and release still follows the savings-goal request and Local Authority approval process.
The wider CareLeap journey is always available.
A young person can choose not to use the financial account and still use CareLeap’s goals, independence, achievements, rewards, diary, wishes and feelings, praise, financial education and capability features. They can continue receiving pocket money physically.
The Local Authority provides the framework.
The Local Authority manages the financial account framework and sets appropriate permissions and controls around the account. It can determine suitable role-based access for authorised people supporting the young person.
Social Workers
Personal Advisers
Residential care home staff
Foster carers
Parents or family members where authorised
Other authorised professionals
Important: All permissions are role-based and subject to agreed safeguarding, legal, regulatory and data-protection arrangements.
The young person owns the journey.
CareLeap is designed to give the young person increasing ownership of their goals, choices, progress and financial capability.
Local Authority
Provides the framework and appropriate safeguards.
Care professionals
Provide encouragement, guidance and day-to-day support.
CareLeap
Connects goals, progress, choices and the wider journey.
Regulated partner
Provides the financial account and card infrastructure where applicable.
CareLeap is
- An independence platform
- A goals and progress platform
- A financial capability and education platform
- A way to connect young people with the professionals supporting them
- A platform that can connect to a regulated financial-services partner
CareLeap is not
- A bank
- An Appointee
- A Deputy
- A replacement for statutory social care
- A replacement for safeguarding systems
- A replacement for existing care-management systems
CareLeap isn’t just about money.
It’s about helping young people become more capable, confident and independent.