A young son who asked his Dad for extra pocket money, has had his request rejected with an official letter from the bank of ‘Dad’.

Uploading an image of the letter to Imgur, user Sonan303 shared the letter with the caption:

‘Our six-year-old asked Dad for an advance on his allowance for a toy. This is the response he got.’

bank of dad
Image Source: Imgur


The post has now been viewed over three million times world-wide.  It seems to have resonated with other parents, with one viewer pledging to use the tactic with their own children when they are older.

The ‘official letter’ includes a letterhead inspired by the ING bank logo with a lion and the bank name changed to ‘DAD’.  The hilarious slogan for the bank reads, ‘Savings and loan: Because apparently I look like I’m made of money’.

Image Source: Imgur
Image Source: Imgur

The letter reads, ‘We regret to inform you at this time that we are unable to provide a loan in the amount requested of $20.00. After reviewing your account, we find you have insufficient funds, and a history of not doing your chores.’

Further details given in the letter included,

“over $80.00 has been spent on discretionary entertainment expenses since Christmas”.

‘This is an unsustainable amount of expenditure, and we cannot further compound the problem by financially assisting with incurring further debt at this point.’

The letter does include an appeal process for the decision made for the child in question: ‘If you would like to refute this decision, you can contact our complaint department at [Mom’s number]. Our dispute manager at this number may be able to persuade us to reverse our decision.’

Users on the Imgur site went into meltdown over the cleverness of the letter.  Responses included:

‘As a father of a two-year-old, I am saving this for later,’ while LookHereSon posted ‘You made this? This is mine now.’

We wait to hear if an appeal was lodged with Mum about this decision.


Image source: Imgur.



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  • Very clever! Love the thought and effort his dad put into the letter.


  • some people are very creative!


  • What awesome reply. I need to have copies this made.


  • hah – tough love with a twist. love it!


  • No possibility for appeal. That quite unfair. Ha! Ha!


  • I love it. What a fantastic Dad


  • Lol how cute, what a clever dad :)


  • Not tooo sure a 6 yr old would grasp this.. but very creative indeed.


  • That’s a fantastic idea! Teaching money management at a young age is valuable and sometimes I struggle to give our kids that experience because we live out of town and don’t take them shopping very often, hence their contact with money is more limited. I’ve found including my kids to ask for items at the meat deli or handing over money over at the register and working out change is a good start. As they get older, we’ve shown them basic budgeting, and expensive school excursions are debated at length (eg. this camp is equal to our weekly groceries, so how are we going to work this? – usually extra chores, extra help in the vege garden, extra effort not to bicker with siblings).


  • Lke hd


  • I suppose this highlights a flaw with linking pocket money with chores. Quite creative though.


  • This is great! Exactly the type of thing my hubby would do


  • What a classic. I would love to use something like this too.


  • This is pure gold. I love it and will remember this when the time comes for my kids to try it on.

    • lol this is great! for sure! i bet that you can’t wait to use it!


  • I think this letter is hilarious. You have to keep your humour parenting. I hope they keep it and give it to this child later in life so he can appreciate the joke too!


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