Danish Spar Nord-customers can connect a real bank account to the ERNIT-system. Other countries and banks will follow soon.
If you are not a Spar Nord-customer, you can only use 'play money' in the system. Our experience from parents and children using the app is that kids prefer to use real money. They take spending and goals more seriously when real money is on the line. Parents use ERNIT to keep track of their children's tasks, saving and goals.