Reddit
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r/Parenting on Reddit: Debit card for 12 year old
March 26, 2024 -
Looking for recommendations. my oldest has been going out places with her friends and I’d like to have a way to give her some money without handing her cash or one of my cards. Can anyone recommend a good debit card for someone under 13? EDITED TO ADD My bank doesn’t offer any accounts or cards for those under 16. I’m aware of various prepaid cards that are geared toward kids but have seen mixed reviews on most of them.
Top answer 1 of 5
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Greenlight is a debit card for people aged 8-18. You can link it to your bank account and the kids and control the spending - for example, set a certain amount that will only work in a grocery store.
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We gave our child a credit card, added as an authorized user on our account. That way if it gets lost we can shut it down, etc. it has worked great for years! Started at 10 years old.
PNC
pnc.com › insights › personal-finance › spend › how-old-to-get-a-debit-card.html
How Old Do You Have to Be to Get a Debit Card? | PNC Insights
The answer is that it depends, since each bank’s requirements might vary. Younger consumers can often get a checking account and debit card if they have a parent or guardian as a co-signer on the account.
Videos
Do Minors Need to Have a Debit Card?
Whether your minor child needs to have a debit card can depend on their financial situation and your personal preferences. Some scenarios to consider:
sofi.com
sofi.com › learn › content › how-old-to-have-a-debit-card
How Old Do You Have to Be to Have a Debit Card | SoFi
Can I get a debit card for my child?
Many banks today provide the option for parents to apply for debit cards for their kids. It’s often easier to apply for a debit card for a child because the parent can just open a joint checking account to get started. However, parents should also be mindful of the age limits and other specific requirements that may hold them back from getting a debit card for their kid. In most cases, the minimum age for a debit card is 13.¹
chime.com
chime.com › money moves › banking basics › the best debit cards for kids and teens in 2026
The Best Debit Cards For Kids and Teens in 2026
When should I give my child a debit card?
This is completely up to you and your individual experience. You might consider giving your child a debit card when:
- They start going out for social activities without you present.
- When they start high school, or if they take public transportation to get to school.
- They start wanting or needing to buy things when you're not with them.
finder.com
finder.com › ca › banking › kids banking › kids debit card accounts, prepaid cards, and money apps for kids
Kids Bank Account with Debit Card Options | Finder Canada
Chase
personal.chase.com › personal › first-banking
Chase First Banking: Debit Card for Kids and Teens | Chase.com
Chase First Banking is a banking account for kids ages 6-17 and designed with kids 6-12 in mind, opened by parents, that helps families digitally manage spending and provides opportunities for kids to learn and practice the basics of money management by using a debit card in their name.
Chime
chime.com › money moves › banking basics › the best debit cards for kids and teens in 2026
The Best Debit Cards For Kids and Teens in 2026
December 5, 2025 - This depends on how ready your child is to take on this responsibility and the bank in question. Giving your 12-year-old a debit card is fine if they demonstrate the maturity and ability to handle money responsibly.
SoFi
sofi.com › learn › content › how-old-to-have-a-debit-card
How Old Do You Have to Be to Have a Debit Card | SoFi
September 23, 2025 - Surprise: Kids can sometimes get debit cards. Here, the age requirements, how to ensure a child uses a card responsibly, and tips on picking the right option.
Mydoh
mydoh.ca › home › what parents need to know about debit cards for kids
What Parents Need to Know About Debit Cards for Kids | Mydoh
December 11, 2024 - There’s no minimum legal age to get a debit card for kids in Canada, but most banks require a parent or legal guardian to open an account if a child is under 18 years of age. While it’s very common for Canadian teens to have debit cards, ...
Bank of America
info.bankofamerica.com › en › student-banking › banking-accounts
Bank Account Options for Kids, Teens, Students & Young Adults | Bank of America
Designed to give kids hands-on experience using a debit card, while parents stay in control. Exclusively for Bank of America customers. Flexible parental controls to customize your child’s spending limits and categories, monitor activity and set up alerts.6 · Mobile Banking8 access as early as six years old with restrictions on money movement.
Greenlight
greenlight.com › learning-center › budgeting › how-old-do-you-have-to-be-to-get-a-debit-card
How old do you have to be to get a debit card? | Greenlight
How old do you have to be to get a debit card? Any age! But getting one for your teen when they get a job is helpful · . However, many workers now forgo paper checks in favor of direct deposit — some states even have mandated direct deposit!
Finder
finder.com › ca › banking › kids banking › kids debit card accounts, prepaid cards, and money apps for kids
Kids Bank Account with Debit Card Options | Finder Canada
May 30, 2025 - Yes, a 12 year old can get a debit card in Canada with banks like BMO, Scotiabank, CIBC and TD. These banks offer kids chequing accounts that come with a debit card children can use for purchases.
Bankrate
bankrate.com › credit cards › advice
At What Age Should Your Child Get A Debit Card? | Bankrate
March 13, 2025 - Typically, a parent or guardian will need to co-sign for the account until the child is 18 years old, when they can · transition to a traditional checking account. You may be asked to provide documentation for yourself and your child, such ...
Chase
chase.com › education center › personal banking › banking basics
What Age Can You Get a Debit Card? | Chase
June 20, 2023 - What age can you get a debit card? Read through the article to learn more about what to consider, a few features and much more when getting a kids debit card.
Modakmakers
modakmakers.com › learning › glossary › first-kids-debit-card
What age should kids get their first debit card?
Please note that delivery times ... beyond the company's control. Yes, many banks and financial services, including Modak, allow children 12 years old and younger to have a bank account....
Alliant Credit Union
alliantcreditunion.org › money-mentor › how-to-choose-a-debit-card-for-minors
Debit Cards for Teens - Learn How to Choose & What Age is Right | Alliant
September 28, 2023 - Teen checking accounts have minimum age requirements. It's likely your financial institution has checking accounts for as young as 13 but some start at 15. If you feel like your child is not old enough for a debit card (or they don't meet most ...
Quora
quora.com › I-am-13-I-want-a-debit-card-but-my-parents-dont-let-me-have-one-Is-it-possible-to-get-one-by-myself
I am 13, I want a debit card but my parents don't let me have one. Is it possible to get one by myself? - Quora
Answer (1 of 14): You’re jumping the gun a bit, unless you’re one of those few rare teens who still has a paper route these days, then you might have legitimate need for a checking account. In order to make a checking account make financial sense, you’d need to regularly write checks.
Key.com
key.com › personal › financial wellness center › at what age should a child get a debit card?
How Old Do You Have to Be to Get a Debit Card? | KeyBank
KeyBank Hassle-Free Account®: The parent or guardian serves as the account owner, while children aged 13 and up can be designated as Authorized Minor Users. With the KeyBank Hassle-Free Account, you can transfer money to the card through online ...
Till Financial
tillfinancial.com › financial-literacy › what-age-can-you-get-a-debit-card
How old do you have to be to get a debit card?
The minimum age for a debit card is usually 18 but with family banking solutions like Till Financial, parents can give a debit card to kids of any age.
KOHO
koho.ca › learn › should-children-have-a-debit-card
How Old Do You Have to be to Get a Debit Card?
October 18, 2022 - Children & early teens Many banks offer youth accounts with debit cards that a parent or guardian opens and supervises. Kids can often get a card well before 18, but the adult is on the account.
Apple Community
discussions.apple.com › thread › 255684439
Why my 12 year old child can't add a debi… - Apple Community
I know that for kids under 13, a card can't be added, but my daughter is 13 so I don't understand why it can't be added. Can someone please help out? 612 1 ... Apple does not permit 12 years olds to add payment methods. Many states have banking laws that restrict the legality of minors having ...
GoHenry
gohenry.com › us › blog › financial-education › what-age-can-you-get-a-debit-card-in-the-us
What age can you get a debit card in the US? | GoHenry
July 7, 2025 - Applying for a current account with a debit card is slightly different from applying for a prepaid debit card. If your child is between 13 and 17 years old, most banks will require them to apply in the branch.
TD
td.com › ca › en › personal-banking › solutions › youth-and-parent › im-a-teen
Everyday banking for teens | TD Canada Trust
A Single Account is an individually owned account where only the named account holder (Youth) will have access to the account. They’ll be able to make transactions and withdrawals with no parental oversight. This account option is not available for kids under 14 years old.