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Child debit cards are a convenient way for kids to spend & learn about money, but there are things to consider before giving your child a debit card - read now.
In the ‘old days’, to teach their kids about money and financial responsibility, parents would give their kids an allowance, or pocket money — in cash. But this isn’t the old days, and as usual, technology has changed everything.
Now, you can give your kids a debit card, which is safer for them than carrying cash around, and lets them start learning about banking earlier. There are many options out there for kids’ debit cards, and in this article we’ll give you a general overview of them so you can make the choice that’s best for your family. We’ll cover:
A debit card for kids is pretty much the same as a debit card for adults. It’s tied to a child’s current account, and they can use it in shops, or online, with merchants that accept that brand of card.
Of course, the main difference is that in most cases, a parent will have to deposit money into the current account for the child to spend. Unless the child is old enough to have a job, in which case their salary can be paid into the account.
There are actually two kinds of debit cards for kids. One is a standard kids’ debit card, linked to a current account, which we discussed above. A child has to be at least 11 to open this kind of account.
An alternative is a prepaid kids’ debit card. Rather than being linked to a current account, these prepaid cards are linked to a money app, like the HyperJar kids’ card, which the parents and children share. These apps let parents decide how much money is on the kids’ card, and where they can spend it. They’re usually available for children as young as six-years-old.
There are many good reasons to get a debit card for your child. Here are some examples:
Kids as young as six can have a prepaid debit card, like the HyperJar card. Children between 11 and 17 can open a kids’ current account, and get an accompanying debit card, with their parents’ permission.
If you get your child a children’s debit card, you can control their spending by depositing money in their account yourself. You can also make sure to get your child an account that gives you oversight on what they spend money on.
If you get them a prepaid card like the HyperJar kids’ card, you’ll have even more control over their spending — and more of an opportunity to teach them financial responsibility. This is because you’ll essentially be sharing the account, and together you can agree to put money in different virtual jars, which you can use to budget together.
For instance, you could have one jar tied to chores, and one tied to Christmas presents. You can also set limits on when and where they can spend their money.
Needless to say, you’ll want to make sure your child knows how to use their debit card safely. Here are some tips for that:
Different providers will have different steps for getting a debit card for a child.
To get a HyperJar kids card, follow these steps:
The earlier you start teaching your children about budgeting and smart spending, the more financially responsible they’ll be in the long run. Getting them a debit card, and helping them budget and track their spending, is a very good way to begin those lessons.
In the ‘old days’, to teach their kids about money and financial responsibility, parents would give their kids an allowance, or pocket money — in cash. But this isn’t the old days, and as usual, technology has changed everything.
Now, you can give your kids a debit card, which is safer for them than carrying cash around, and lets them start learning about banking earlier. There are many options out there for kids’ debit cards, and in this article we’ll give you a general overview of them so you can make the choice that’s best for your family. We’ll cover:
A debit card for kids is pretty much the same as a debit card for adults. It’s tied to a child’s current account, and they can use it in shops, or online, with merchants that accept that brand of card.
Of course, the main difference is that in most cases, a parent will have to deposit money into the current account for the child to spend. Unless the child is old enough to have a job, in which case their salary can be paid into the account.
There are actually two kinds of debit cards for kids. One is a standard kids’ debit card, linked to a current account, which we discussed above. A child has to be at least 11 to open this kind of account.
An alternative is a prepaid kids’ debit card. Rather than being linked to a current account, these prepaid cards are linked to a money app, like the HyperJar kids’ card, which the parents and children share. These apps let parents decide how much money is on the kids’ card, and where they can spend it. They’re usually available for children as young as six-years-old.
There are many good reasons to get a debit card for your child. Here are some examples:
Kids as young as six can have a prepaid debit card, like the HyperJar card. Children between 11 and 17 can open a kids’ current account, and get an accompanying debit card, with their parents’ permission.
If you get your child a children’s debit card, you can control their spending by depositing money in their account yourself. You can also make sure to get your child an account that gives you oversight on what they spend money on.
If you get them a prepaid card like the HyperJar kids’ card, you’ll have even more control over their spending — and more of an opportunity to teach them financial responsibility. This is because you’ll essentially be sharing the account, and together you can agree to put money in different virtual jars, which you can use to budget together.
For instance, you could have one jar tied to chores, and one tied to Christmas presents. You can also set limits on when and where they can spend their money.
Needless to say, you’ll want to make sure your child knows how to use their debit card safely. Here are some tips for that:
Different providers will have different steps for getting a debit card for a child.
To get a HyperJar kids card, follow these steps:
The earlier you start teaching your children about budgeting and smart spending, the more financially responsible they’ll be in the long run. Getting them a debit card, and helping them budget and track their spending, is a very good way to begin those lessons.