The best five 解放する／自由な bank accounts with debit cards for children
- It is ますます more difficult for children to use cash in schools and shops?
- Parents may find it easier to open an account with a card for them?
- We 選ぶ five of the best accounts with debit cards for children?
In the modern age, children are more likely than ever before to want a debit card to spend their pocket and birthday money, or even buy lunch at school.
While we 支持する／優勝者 the freedom of still using physical money here at This is Money, we also know in an ますます 数字表示式の world, children of both 最初の／主要な and 第２位 school age are keen on apps and having a card they can tap for 購入（する）s.
It can often be their first taste of 財政上の independence.??
There are now a myriad of choices, すなわち prepaid cards and debit cards usually linked to your own 経常収支.
Many of the younger 世代 find it harder to use cash in an ますます cashless society
Prepaid cards are usually 申し込む／申し出d to children from the age of six and some come with a 月毎の 料金.?
They also have more parental 支配（する）／統制するs such as spending 限界s as they are linked to a parent's account?
経常収支s for children and younger 十代の少年少女s are usually 解放する／自由な, come with debit cards and often 要求する children to be at least 11 as they are opened in their 指名する - although, some 許す children younger than that use them.?
They don't let children go overdrawn and some even 支払う／賃金 利益／興味 on credit balances.
Children's accounts can also come with 告発（する），告訴（する）／料金s though, so watch out for these - and some of their apps may be no more sophisticated or 申し込む／申し出 no more 支配（する）／統制する than 基準 banking apps.
Many banks 申し込む／申し出 these and most are 解放する／自由な, we have 選ぶd five of the best accounts with debit cards for children below.
1. Starling 道具 - 解放する／自由な (used to be £2/month)
Starling's 道具 account 申し込む／申し出s a debit card to children 老年の from six to 16. If you don't already have a Staling account you'll need to get one, as the 道具 account is linked to the parent's account.
Parents 始める，決める up a 道具 space in their Starling app for children, who get their own 見解／翻訳／版 of the Starling app to manage their money.
Parents get instant 支払い（額） notifications whenever children spend, 十分な 接近 to their spending history and spending 支配（する）／統制する 限界s.
Starling 道具 is 解放する／自由な but it used to cost £2 per month. This 告発（する），告訴（する）／料金 was scrapped in October 2023.
2. 全国的な FlexOne - 解放する／自由な
全国的な's FlexOne is a 解放する／自由な 経常収支 for ages 11 to 17, which 支払う／賃金s 2 per cent 利益／興味 on balances up to £1,000
Kids get an online account and app 接近 and a choice between a cash card and a 十分な debit card.
十代の少年少女s can keep their 全国的な FlexOne account until they turn 23, at which point they will be moved to a FlexAccount or Fl exDirect 経常収支.
3. Santander 123 小型の - 解放する／自由な
Santander's 123 小型の 経常収支 is a 見解／翻訳／版 of its popular 123 account for those 老年の 13 to 17. It comes with a debit card or cash card and is 解放する／自由な.
The account 支払う／賃金s 利益／興味 on the entire balance of 1 per cent when it is up to £999.99, 2 per cent when it is above £1,000 and 3 per cent when it is from £1,500 to £2,000.
Children under the age of 12 can also get this account, but the account must be opened in 信用 by an adult over the age of 18 who has parental 責任／義務 for the child and who has a Santander personal 経常収支.?
After 開始 the account, the adult who opened the account must manage it on に代わって of the child.
4. RoosterMoney - 解放する／自由な if you're a NatWest 顧客
RoosterMoney is part of banking 巨大（な） NatWest. The prepaid account 申し込む／申し出s a debit card to children 老年の six to 17.
It's 解放する／自由な if you are already NatWest 顧客. さもなければ it is £1.99 a month or £19 a year.
Parents can 始める，決める daily, 週刊誌 or 月毎の spending 限界s, make 最高の，を越す ups and get spending notifications with the Rooster Money app.
Parents download a pocket money tracker which comes with the account, 許すing parents to 始める，決める pocket money allowances and 移転 基金s to their children's bank accounts on a 確かな day.
5. HSBC MySavings - 解放する／自由な
HSBC MySavings is a 解放する／自由な 貯金 account for those 老年の seven to 17. Once your child turns 11, they will automatically get a debit card with a linked HSBC MyMoney 経常収支. The MyMoney account does not 支払う／賃金 利益／興味.
HSBC's MySavings acco unt is the best for 利益／興味 率s. It 申し込む／申し出s 5 per cent on balances up to £3,000. The 率 is 1.6 per cent for balances over £3,000.
There are no 限界s that parents can 始める，決める on this account.
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