With personal household registration booklet and guardian’s valid ID.
With their household registration booklet and valid ID of their guardian, children under the age of 16 can open their own accounts at the five major banks. Among them, banks such as Industrial and Commercial Bank of China, Bank of China, and Bank of Communications have launched exclusive accounts for children. card type.
Children's exclusive card service fee discounts are very limited, and some banks even have no discounts at all. Among them, ICBC waives annual fees and issuance fees for "Baby Growth Card" cardholders under the age of 16.
However, if the average daily balance of the account is less than 300 yuan, a small account management fee of 3 yuan/quarter will be charged. In addition, ICBC also provides a preferential treatment for parents to transfer remittances to the accounts of children under 16 years old without reprinting remittance fees.
The Bank of China "Great Wall Flower Season Card" does not have an annual fee reduction discount. Like ordinary card accounts, the bank charges an annual fee of 10 yuan/card, and a small account management fee under corresponding conditions.
The Bank of Communications' "Pacific Children's Card" has been given a "limited" discount. Newly opened children's cards can enjoy exemption from the cost of production and the annual fee for the first year. From the second year onwards, Starting from now, there is an annual fee of RMB 10 per card. However, Bank of Communications' small account management fee is only for passbook customers, and is not charged for all bank card customers.
Extended information:
Compared with ordinary debit card accounts, children’s exclusive cards appear to have relatively single service functions. The children's exclusive cards of ICBC, ICBC and China Communications Bank can all realize the basic service functions of general debit cards, such as deposits and withdrawals, consumption, transfers, etc.
The three banks have varying degrees of restrictions on other functions such as bill payment, online banking, and wealth management, and the specific situations are different. Among them, those who opened the "Baby Growth Card" of ICBC and signed an exclusive financial management agreement.
Banks can provide account management functions such as automatic transfer of over-limit deposits, account change reminders, and monthly consumption limit settings. However, children's cards do not support functions such as purchasing financial management and fixed investment in funds, nor can they activate online banking functions.
Little Banker Card
China Everbright Bank’s “Little Banker Card” is a UnionPay standard debit card mainly issued to children under the age of 16. In addition to In addition to all the functions of a debit card.
It also integrates services and functions specifically for "parent-child" education, financial education and children's individual needs, providing children with a rich financial management experience that suits their characteristics.
The Little Banker Card has a number of personalized functions, such as the "parent-child card association" function. The card can establish a parent-child association with any of the parents' Everbright Sunshine Cards, enabling RMB transfers between the two cards. Mutual transfer of funds from current account.
Another example is the "Pocket Money/New Year's Money Savings Plan". Parents can link or guide their children to formulate their own savings plans through parent-child cards, and can customize personalized target names for each savings plan through online banking.
In addition, it is also a charity card. Every time a "Little Banker Card" is opened, the child will put one yuan into the donation box, and then China Everbright Bank will take out one yuan. A valid donation can be automatically transferred to the China Women's Federation's "Mother's Water Cellar" fund account, which helps cultivate children's sense of love.
Baidu Encyclopedia-Children’s Bank Card