Can a 13 year old have a debit card UK?
Sophia Koch
Updated on February 13, 2026
To get a Barclays Visa debit card, you’ll need your parent’s permission. You need to be at least 13 years old to be able to use Apple Pay. Interest is paid gross. Children are entitled to income tax allowances and the Personal Savings Allowance in the same way as adults.
Can a 14 year old have a debit card UK?
But a child has to be at least 11 years old to open their own bank account. Some children’s accounts have a higher minimum age, like 16. Usually, a parent will need to be present to set up a bank account for a child, unless that child is 16 or over.
Can a 12 year old have their own debit card?
Some institutions don’t permit minors to have debit cards under their own name until they are at least 16, but others offer them to children who are 13 or even younger. Children have their own debit card, but parents can check spending online or on a mobile app.
How do I get a bank card at 13?
If you’re 13-17 years old, please start your application online. Book an appointment at your local branch and a member of staff will help you open the account from start to finish. You can also book by calling us on 0345 300 0000 (+44 1733 347 007 from outside the UK).
How old do you have to be to get a debit card?
Whether you’re a pre-teen or teen and you’re wondering about getting a debit card for yourself or you’re a parent who’d like to get a debit card for your child, this blog post answers all your questions regarding this important step and decision in life. If you’d like to get a debit card for your child, it will be accompanied by a checking account.
Do you need a debit card to open a bank account in the UK?
If they don’t have a debit card, they’ll need to bring in proof of their ID. You can only open an account in branch. You’ll need to bring in your ID (passport, national identity card or birth certificate) and your parent or guardian will need their ID and proof of address, such as a UK bank statement or utility bill.
How old do you have to be to have a bank account?
But a child has to be at least 11 years old to open their own bank account. Some children’s accounts have a higher minimum age, like 16. Usually, a parent will need to be present to set up a bank account for a child, unless that child is 16 or over. Some banks offer one account for children and another for teenagers, for example:
Can a child have a debit card at a bank?
Children’s bank accounts are current accounts, operated by traditional banks in a similar way to adult current accounts, although they don’t have overdrafts and sometimes have spending limits. There’s usually not a fee involved for having the account, and kids can use the accompanying debit card to make purchases and ATM withdrawals.