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The Daily Insight Hub

Can a kid get a debit card?

Author

Emma Miller

Updated on February 01, 2026

What is a Debit Card for Kids? Children can’t open their own bank account until they reach the age of majority in their state- often 18 years old. Parents can choose one possible path: opening a subaccount from their own bank account to provide their kids with a card to use.

How old does a kid need to be for a debit card?

13 and older
Most banks only issue a debit card to kids 13 and older if they also have a parent on the account with them. Some banks set the age limit at 15, while others make kids wait until age 16 until they can open an account. In most instances, kids cannot have their own account without a parent until they are 18 years old.

Can a 12 year old get a debit card at Chase?

For parents/guardians interested in teaching their child how to manage money using a debit card with the child’s name on it. Only the parent/guardian who opened the account can fund, view or manage this account. You can open a Chase First Checking account for your child who is 6-17 years old.

Can my 10 year old have a debit card?

If a 10 or 11 year old wants a debit card, he or she is going to have to ask his or her parents. They will have to create the kid’s bank account if possible. Usually, anyone under the age of 18 cannot open banking accounts. A ten year old can get a debit card!

At what age can you get a bank card?

11
In the UK, a child can get a debit card with an accompanying checking account at the age of 11. There are several different account types for children and teens up to age 17 and you should consider the above-mentioned factors when making your decision.

How old do you have to be to get a debit card?

How Old Do You Have to Be to Get a Debit Card at Most Banks? In many countries—the USA included—only adults eighteen and over are eligible to get a debit card. Minors can’t access a debit card on their own, but they can be legally added to an adult’s account. Services like Green Light Card support kids of all ages with prepaid debit cards.

How much money do you need to get a debit card?

How Much Money Do You Need To Get A Debit Card? In most cases, banks will require a minimum opening deposit to open a checking account and receive a debit card. Depending on the financial institution, you should expect this to range between $25 and $500.

When do I need a debit card for my checking account?

Debit cards allow consumers to make safe and convenient transactions with funds from their checking account. Debit cards are often provided when you open an account at a bank, credit union, or financial institution, but there might be some cases in which you have to request one yourself.

What can a 11 year old do with a debit card?

A High Street bank is giving children debit cards that could let them buy cigarettes, alcohol and porn videos over the internet. Lloyds-TSB is mailing the cards direct to children as young as 11 without telling their parents. One 15-year-old boy used his to buy cheap cigarettes, Viagra and a fake adult ID online.