How Old Do You Have to Be to Get A Debit Card?

By John Adebimitan

So, how old do you have to be to get a debit card? If you are reading this, you’re probably a teenager or pre-teen who can’t wait to be independent or a parent curious about when a child is old enough to have a debit card. Either way, the first thing to note on this topic is that debit cards usually have age restrictions. These restrictions could also depend on your current location and your bank.

Most banks will not open an account for kids without a parent until they are 18 years old, and with a parent on the account, some banks set the limit to 15 and others to 13. In this article, we will discuss how old you must be to get a debit card in a few locations that might apply to you.

How Old Do You Have to Be to Get A Debit Card in the USA?

You must be 18 to get a debit card in the USA. You could get a checking account in your name and then be issued a debit card. If you are under 18, you can legally be added to an adult’s account – usually a legal guardian. This way, you could be issued a debit card attached to your guardian’s account.

Another way you could get a debit card when you are under 18 is by getting a student’s account with a guardian’s signature, this would include the issuance of a debit card. However, this option is typically only available if you are at least 13 years old, but it varies by bank. In either case, the adult is responsible for any charges drawn by the debit card.

How Old Do You Have to Be to Get A Debit Card in Canada, UK, Australia & USA?

How Old Do You Have to Be to Get A Debit Card in Canada?

There is no official age limit to getting a debit card in Canada. Most banks will require a legal guardian or parent to open an account for anyone under 18 years of age.

How Old Do You Have to Be to Get A Debit Card in the UK?

You must be at least 16 years old to get a debit card in the UK without your parent or legal guardian present. Most banks would require the presence of a parent or legal guardian to open a checking or savings account and obtain a debit card for children of at least 11 years of age. Often, the parents already have an account with the bank in question.

How Old Do You Have to Be to Get A Debit Card in Australia?

You must be at least 14 years old and a resident to get a debit card in Australia. Children below 14 years of age can also get a debit card in Australia, but only with the presence of a parent or legal guardian.

Debit Card

Can A 16-Year-Old Get A Debit Card?

A 16-year-old can get a debit card either with or without the presence of a parent or legal guardian. This mostly depends on the location and bank to be used. Most banks have an age limit of 18; some set their limit at 16, and others have no limit. You must visit your bank to confirm if you or your 16-year-old can be issued a debit card.

Read also: Can You See Who Redeemed an Amazon Gift Card?

Can A 13-Year-Old Have A Debit Card?

A 13-year-old can have a debit card when a parent or legal guardian opens an account on their behalf. This account would usually be available until the child is 18 years old. The age limit for when a child can have an account with or without a parent varies with the bank and location.

Can A 12-Year-Old Have A Debit Card?

A 12-year-old cannot have a debit card from an account in their name; they can only get one after being added to an adult’s account. This varies with the bank in use and the child’s current location, as most banks and countries do not issue debit cards to children under 14.

How Old Do You Have to Be to Get A Debit Card at Bank of America?

The age requirement to open a Bank of America Advantage bank account is 18 years. However, other options exist for those under 18, usually involving being added to an adult’s account or having an adult be a joint account owner until a child is 18.

How Old Do You Have to Be to Get A Debit Card in California?

Typically, you’d have to be at least 18 to get a debit card with an account in your name in California. If you are below 18 but are at least 13, then you can be added to a parent or guardian’s account or have them be a joint account owner; this way, you would be allowed to have a debit card.

How Old Do You Have to Be to Get A Debit Card at Wells Fargo?

At Wells Fargo, a child would have to be at least 17 years old to get a debit card on their own. Children between the ages of 13 and 16 are only allowed to have clear access to bank accounts with an adult as a co-owner, and those under 13 are not given access to online banking.

How Old Do You Have to Be to Get A Debit Card in California?

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