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At What Age Can You Obtain a Debit Card?

Summary:Learn about the minimum age requirements for obtaining a debit card and the benefits of having one. Tips for using a debit card responsibly are also provided.

Debit cards are a popular financial tool that allows individuals to access their funds without carrying large amounts of cash. As a result, many parents want to know at what age their child can obtain a debit card. In this article, we will explore the age requirements for obtaining a debit card, the benefits of having a debit card, and some tips for using a debit card responsibly.

Minimum Age Requirements for Obtaining a Debit Card

The minimum age requirement for obtaining a debit card varies by country and financial institution. In the United States, for example, most banks will allow parents to open a joint checking account with their child as young as 13 years old. This account can include a debit card, allowing the child to access the funds in the account. However, some banks may have a minimum age requirement of 16 or 18 years old for opening a checking account or obtaining a debit card.

Benefits of Having a Debit Card

There are several benefits to having a debit card, especially for young people. First, it allows them to learn how to manage their finances responsibly. By having access to their own funds, they can learn how to budget, save, and make responsible purchasing decisions. Second, it provides a safer and more convenient way to make purchases than carrying cash. Finally, it can help build credit history if used responsibly.

Tips for Using a Debit Card Responsibly

While having a debit card can be beneficial, it is important to use it responsibly. Here are some tips for doing so:

1. Keep track of your spending: Make sure to keep track of your purchases and balance to avoid overdrawing the account.

2. Protect your PIN: Never share your PIN with anyone, and make sure to change it regularly.

3. Be aware of fees: Some banks may charge fees for using the card, such as transaction fees or monthly maintenance fees. Make sure to read the fine print and choose a card with minimal fees.

4. Avoid overdrawing the account: Overdrawing the account can result in expensive fees and damage to credit history. Keep track of your balance and make sure to deposit funds before making large purchases.


Obtaining a debit card can be a great financial tool for young people, allowing them to learn responsible financial habits and providing a safer way to make purchases. However, it is important to use the card responsibly and be aware of fees and potential risks. By following the tips outlined in this article, individuals can make the most of their debit card and avoid financial pitfalls.

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