Family members such as grandparents, aunts and uncles can deposit money directly into a Kernel kids account, which makes it easy for loved ones to contribute to a child’s future.
To make sure the gift reaches the right account:
Use the child’s unique reference code. Every kids account has its own deposit reference code. If you have access to the kids account, you can find it in wallet top up screen and share it with whoever is sending money. Without the correct code, we can’t match the deposit and it will be delayed.
Pay to Kernel’s bank account. Search for our registered payee, Kernel or Adminis Custodial Nominees Ltd, or pay to Adminis Custodial Nominees Limited, 02-0536-0225283-000.
Allow extra time for the first gift. When money comes from a bank account we haven’t seen before, we may need to verify it before it can be allocated. This can include proof of the bank account and confirmation of the sender’s relationship to the child. First deposits from a new account usually take 1–2 business days, and our team will be in touch if we need anything.
Tip: For the quickest option, extended family members or friends can transfer gifts to the parent or guardian linked to the kids account, who then deposits them from their own verified bank account. These deposits usually appear within a few hours.