Generally speaking, 16 years old can't do online banking. The guardian recognized by the bank is usually in the same household registration book as the child. Sometimes even if you are the parents of your child, it is impossible to have a separate household registration.
Children's bank cards are/kloc-the bank cards of children under the age of 0/6. These bank cards usually have no overdraft limit or the overdraft limit is very small, which requires the prior consent of parents. There are also strict restrictions on credit card consumption, but all kinds of functions are complete, which can be understood as adult bank cards with reduced limits.
The discount for children's exclusive card service is very limited, and even some banks have no discount at all. Among them, ICBC exempts 16-year-old "Baby Growth Card" cardholders from the annual fee and account opening fee, but if the average daily balance of the account is less than 300 yuan, it will also charge a small account management fee according to 3 yuan/quarter. In addition, ICBC also gives preferential treatment to parents to transfer and remit money to children under 16.
What is a children's bank card?
Housing ownership card:
Children's Card is a children's financial card launched by Minsheng Bank nationwide. The card has specially prepared financial package products suitable for children and families, including education savings, smart financial products and growth financial products.
This card has the function of debit card, and you can also choose additional products, such as "current savings+instant messaging with parents' account information", so that parents can keep abreast of their children's consumption trends. Education savings are aimed at students above the fourth grade of primary school, so that parents can prepare their children for college in advance.
Qian Shengqian Plan B is a value-added wealth management product aimed at young people's short-term and large educational funds. From the date of deposit, interest will be settled automatically every day (the shortest day) according to the call deposit interest rate of the corresponding currency, and the principal and interest of the previous interest settlement date will be automatically transferred to the next interest period, with compound interest, which can be withdrawn at any time. The initial application amount is 50,000 yuan.
Baby growth card:
Baby Growth Card is a theme card specially designed by China Industrial and Commercial Bank for underage customers under 16 and their parents. The card is issued in the form of baby card+father card+mother card. In addition to the general debit card function, the card also has special functions such as growth fund, growth guarantee, growth commemoration and gratitude return.
For example, parents can regularly deposit funds from the father's love card and the mother's love card into the baby card to provide pocket money and education funds for their children. At the same time, the handling fee for settlement between the baby card and the father's love card and the mother's love card is exempted. At the same time, with this card, you can also enjoy the exclusive children's education insurance product-Taiping Happy Baby Comprehensive Financial Plan, and on this basis, you can enjoy pediatric expert appointments, health messages, emergency rescue services at home and abroad, and personal accident insurance for children with Baby Growth Card.
Pacific Children's Card:
Pacific Children's Debit Card is an exclusive personalized debit card launched by Bank of Communications for children under the age of 16. This card not only has the function of debit card, but also integrates services and functions according to children's needs, so that children can safely start a colorful financial experience.
The application for the Pacific Children's Card is simple. The guardian shall handle it at any branch of Bank of Communications with his valid ID card, child ID card or household register, and the lineal relatives certificate of household register, birth certificate or one-child certificate between them.