give a bank card to teen girl? how old

[imiami]

My friend applied a bank card to her teen girl when she was 13 year old, she spent £1000 quickly, then she seized the card, now the girl is 15 year old, she got her card back from bank.
how old is better age for the bank card
Thanks

How did she spend £1000? Presumably your friend put that amount in the account??
DS has had a card since he was 11, a debit card, he could only spend what was in the account, and it would never have been that much!

Mine have had cards since they were able - 13, I think, but they only have access to a sensible amount of money.

Your friend sounds a bit of a twit, did she get her daughter a card linked to the mother’s account?
11 is fine with a debit card on a child account, then they learn how to manage money on a restricted budget.

My kids had bank cards at 11 (year 7) but there was never more than £50 on that card so they never ran into problems(it was usually no more than £20) . Their savings are in another account.

DS got a debit card at 13. He can only spend what is in the account. He gets his pocket money paid into there and any birthday/Christmas money, all for him to spend as he chooses. If you don't want a teen to spend the money, maybe don't give it to them! I certainly wouldn't put any significant sum in there like from the accounts I have earmarked for adulthood.

I think 13 is fine, but I would only put about £50 in there. I'd leave their savings somewhere they can't get it till they're adults at least

My kids had debit cards much earlier than 13. They have a spending limit they will have to wake me to override and they never have more than 100 in their account.

How did she spend a grand?

My daughter has had our joint account on her phone since she was 10 and walking home from school in year 6 and she has her own account on there now

my dd got her first regular debit card at 13 I've never bothered with go henry. I've always limited the amount in her account and she has a separate savings account which she can't yet access herself. no way I'd trust her with £1000.

A better question is when is a parent sensible enough to know you don't put £1000 in a child's bank account

Mine were 11. But they only had pocket money in there, or their birthday or Christmas money. No way would they have access to £1000!

My 15 year old has a card linked to my account so I see on my phone when it’s used. Much greater risk is her access to my Amazon account!
But yes at 15 she is actually very trustworthy. She’s had that level of autonomy since 13.5

Dd and ds (13 & 11) both have bank cards. But they can only spend what's in their accounts. They can't get into debt. If they made a purchase which was more than their balance the card would simply be declined.
I'm assuming your friends child had 1k in the bank to spend?

Both DCs had cards from summer of Y6, we paid them a monthly allowance into their accounts and any savings etc was kept separate. It has been a really good way for them to learn to use cards and manage their own money when they start going out independently with friends. It is an important life skill especially as everything now is card payments. There are lots of accounts for young people with limits and parental control so no idea how the OPs friend got into such a situation.

I also think I would notice if my DC was spending a lot, suddenly wearing lots of new clothes or going out a lot. Unless it's gaming?

As others have said my kids both had debit cards linked to their own accounts at around 11 or 12. They never had huge amounts of money in them.

did your friend give a daughter a card linked to her own bank or credit card?

Her daughter needs to learn budgeting so a card linked to her own account with just pocket money in.

Mine had go Henry cards from starting secondary school at 11yo.

Mine had a card since she was 11 and we've had no problems. Her savings were in a separate account though, so she could only ever spend pocket money really. She has had an allowance for clothes etc since she was 13 and I think it has been good for her to learn how to manage her money for herself.

Ds got his when he started secondary. He had access to his pocket money and Christmas /birthday money to spend as he liked. He also got monthly money for school lunches to budget through the month himself. He made mistakes, had some buyers regret, faced the consequences and learned from them. He was given several thousand from his JISA when he turned 18 and listened to advice and invested carefully.

Tbh it depends on many things - the dc, their maturity, how much guidance and financial coaching they get from parents and how much they absorb. But imo the earlier they are introduced to proper accounts, given some scope and genuine responsibility for managing independently without someone watching their every move, making their own decisions and mistakes the better. Money managing skills take years to develop and no point waiting to start until they are 15!

Depends how sensible the young person is. As evidenced by your post

My DC are 8 and 10 and now have debit cards. We can access their accounts via an app and receive a notification every time they use the card. This helps them learn NOT to spend like crazy, to learn how to budget. No adult should allow a child to spend £1000, that's the adult's failure.

Get a pre paid one, this is so ridiculous

My DCs have / will have their own bank accounts with debit cards from 11. There is no overdraft on kids accounts, they can only spend what is there.

Mine got them at 11 but they didn't have access to £1k - the savings account held anything other than day to day spends

Paton floe one is more ridiculous