Explain what counts as a purchase
Show children that coins, gems, skins, boosts, subscriptions, and “limited-time” offers may cost real money. Ask them to check the price in dollars, whether the item is permanent, and whether the charge repeats.
Turn on purchase approval
Use the current family or parental controls offered by the device and app store. Require a password, biometric approval, or adult authorization for purchases when appropriate. Settings vary by device and can change, so use the official support instructions for your account.
Remove unnecessary payment access
Do not share account passwords or verification codes. Review which cards or payment methods are saved, who can use them, and whether old devices are still signed in. Keep recovery information current and private.
Create a clear spending rule
The rule might be no in-app spending, adult approval every time, or a small amount from the child’s discretionary money. State whether unused amounts roll over and whether subscriptions are allowed. A specific rule is easier to follow than “Do not spend too much.”
Teach the pause questions
- What does this cost in real money?
- Do I keep it, or does it disappear?
- Is this a subscription?
- Would I still want it tomorrow?
- Has a trusted adult approved it?
Watch for pressure and scams
Countdown timers, social pressure, and random rewards can make spending feel urgent. Teach children never to buy currency or accounts from unofficial sellers, click suspicious reward links, or share login information. If a child tells you about a mistake or scam, secure the account first and handle the lesson calmly.
Review statements together
Check purchase history and bank or card statements regularly. If a charge is unfamiliar, use the platform’s official support and dispute process promptly. Do not assume every charge can be reversed.
For a broader conversation, read how to talk with teens about money without a lecture.