Advertisements
Learning about financial management should begin in childhood, and a digital account for minors is an indispensable resource for this.
This is because, by having their own account, the child or teenager learns how the banking system works, in addition to building a history with the financial institution in question.
But do you know which banks offer this service? If not, continue reading to learn about some of the options available on the market.
What is a digital account for minors?
If your child needs to take your card to buy school snacks, and you constantly need to withdraw money to leave with them for emergencies, a digital account for minors will work well for you.
This is because a digital account for minors is a bank account designed for people under 18 years of age, which allows for simple and secure transactions.
Therefore, the idea behind this type of account is precisely to provide freedom, financial awareness and autonomy from an early age, in addition to encouraging learning about the main banking services.
So, children and teenagers who have their own accounts are less likely to reach adulthood without knowing how to open an account, or where the bank statement tab is.
However, if you still don't trust giving your child financial access, know that this type of account can also be used as a savings account, so you can deposit your child's allowance or even the amount you allocate for them every month.
In any case, having an account registered with your CPF is an excellent way to ensure that you build a track record. This way, when a young person turns 18, they already have a certain relationship with the bank.
++Are you going to sell a house? Check out these tips that can help you! (consultacred.com.br).
5 Digital Account options for minors
As we saw previously, a digital account for minors is an excellent resource for parents and guardians who want to offer freedom and responsibility to children and teenagers.
But, going beyond that, this type of account also offers facilities, after all, it is much easier to make a pix to your child's account, than having to withdraw the money to give him for the school trip.
With this in mind, below we will look at 5 account options with this approach. All are offered by relevant financial institutions in the market.
1. Kids Account Banco Inter
The Banco Inter Kids Account was one of the first to be offered on the market, as before it the digital account proposal for minors was not so popular.
This account is intended for people aged 0 to 18, and is 100% free and 100% digital, which means you open and manage it through the app.
In addition, this proposal offers a debit card and the possibility of carrying out simple transactions, such as transfers and withdrawals from ATMs.
In addition, the account allows access to Inter's investment platform, making it an excellent option for parents and guardians who want to create financial reserves for their children.
It is worth mentioning that the Banco Inter Kids Account is linked to the account of one of the guardians, which makes everything more practical and safe.
For more information, visit: Kids Account: your child's first digital account · Inter Blog.
2. C6 Yellow
C6 Yellow is C6 Bank's free 100% digital account for minors, which also offers a debit card.
Therefore, the idea behind this account is to allow teenagers to manage their own money, thereby acquiring learning and financial autonomy.
In addition, account holders have access to an exclusive investment platform, which offers practical learning about good financial practices.
If you liked the proposal, visit: C6 Yellow: Digital Account with Card for Under 18s | C6 Bank.
3. BB Cash
If you thought there wouldn't be a traditional bank on the list, know that Banco do Brasil also has a digital account for minors: BB Cash.
The purpose of this account is precisely to allow people between the ages of 8 and 17 to move money around.
So, if you are looking for a safe and practical account to deposit your child's allowance, or even create a savings account for them, this is the ideal option.
It is worth mentioning that the account comes with a debit card, so the minor has much more freedom to purchase products and services.
BB Cash is linked to the person responsible's account, so you don't need to worry about losing control, as you can closely monitor usage.
Check out the details of the proposal: Digital Account and Card for Under 18s – BB Portal.
4. Underage PicPay Account
PicPay is one of the favorite banks for customers looking for new technologies in the banking system, and now you can enjoy a digital account for minors.
In this case, we are talking about the PicPay Underage Account, the account specialized in customers under 18 years of age.
This account offers a debit card, and the data is shared with the guardian, so you can monitor the transactions made by the child or teenager.
That said, opening this account is very simple: just access the PicPay app through your account, look for the option and open it. Once this is done, give access to the minor and give them the freedom to manage their own money.
Find out more: Underage digital account | The account for under-18s (picpay.com).
5. Nubank Digital Account for Minors
Finally, the list could not be left out of the digital account option for minors from one of the main digital banks in Brazil, Nubank.
This account is intended for people between the ages of 10 and 17, and offers features very similar to a traditional account, such as transfers, resources for saving money and the possibility of withdrawing funds.
Opening this account is very simple, as you just need to get authorization from the person in charge. Once this is done, your account will be opened and the debit card will be sent to your address.
So, among the proposals, this is one of the most popular among teenagers, and is ideal for those who want to start their financial life with more peace of mind.
Check out the details of the option: https://blog.nubank.com.br/conta-do-nubank-menor-de-18/
Finally, now that you know about the different digital account options for minors, choose the one that best suits your needs and offer your child autonomy and financial learning.
Read also: Fiduciary Alienation: What is it and how does it work? Find out! (consultacred.com.br).
