Child's bank card: where to get one and what it costs
Updated
In short (15 October 2026): Lowest price of a child's account €0.00/month: S-Bank, OP, Nordea, Danske Bank, Säästöpankki, POP Bank, Oma Säästöpankki, Aktia and Ålandsbanken.
Contents
A child's own bank account and card can usually be opened through a guardian, and the price and minimum age vary by bank. The table below gathers the banks' information in one place.
| Bank | Child account | Minimum age | Price / month | Notes |
|---|---|---|---|---|
| S-Bank | Yes | 7 yrs | €0.00 | A child can get an S-Etukortti Visa Debit card from the age of 7. The card is ordered at a service point, and the child and guardians must be present (or a power of attorney). Online banking credentials and the S-mobiili app are available from the age of 12. Free when the child belongs to an owner-customer household; the price for other children is not itemised in the price list. |
| OP | Yes | 7 yrs | €0.00 | The OP Basic debit card is available from the age of 7, and OP Debit for those over 15. For under-18s one OP Debit or OP Basic card is free, and everyday services for under-26s are free. A guardian obtains the child's account and card. |
| Nordea | Yes | 6 yrs | €0.00 | A Nordea Debit card can be obtained by a 6-17-year-old with the guardians' consent; a person over 15 with their own income for an account they opened themselves can apply for a card on their own. Guardians can open the services for the child online. The card is free for under-18s (price list: under-19s). |
| Danske Bank | Yes | 8 yrs | €0.00 | A bank card can in principle be obtained from the age of 8 with a guardian's consent; for a younger child through customer service. The youth current account (0-17 years) is free and includes a Mastercard Debit card. For 8-14-year-olds there is the MunRahat service. Opening a card requires a visit to a branch with the child. |
| Säästöpankki | Yes | 10 yrs | €0.00 | A Visa Debit Online card is generally issued to a child aged 10 or over, and to a younger child at the guardians' discretion, with the consent of both guardians. The child must identify themselves with a passport or an identity card. Basic banking services are free for under-26s. |
| POP Bank | Yes | 7 yrs | €0.00 | The first card is POP Visa Debit Online, which can be obtained at the age of 7. Ordering requires a visit to the bank with the child and guardians (or a power of attorney). Online banking credentials from the age of 9. A 15-17-year-old can open an account for their own income without guardians. Free for under-26s. |
| Oma Säästöpankki | Yes | not available | €0.00 | Basic banking services for children (account, card and online banking) are free. Obtaining a card requires a meeting attended by the guardians (or a power of attorney) and the child with a valid identity card or passport. The minimum age for the card was not found. |
| Aktia | Yes | 7 yrs | €0.00 | A 7-17-year-old can be granted an Aktia Debit card and online banking credentials with the parents' consent. Everyday banking services for under-18s are free. |
| Ålandsbanken | Yes | not available | €0.00 | For 0-17-year-olds the Prime account and Mastercard Debit Online card are free; there is no minimum age for applying for your own card. Guardians decide the usage limits. Digital services from the age of 9. Opening the services requires a visit to a branch with the parents. |
| bunq | Yes | not available | not available | A child's account can be opened only by a bunq Core, Pro or Elite subscriber; in the price list table a child's account is free on the Pro tier and €9/month on the Elite tier. Using a minor's account requires the guardians' approval. The minimum age was not found. |
| Revolut | Yes | 6 yrs | not available | Revolut <18 app and card for 6-17-year-olds. The price and guardian terms in Finland were not verified. |
| Wise | not available | not available | not available | A children's account was not verified. |
Where can I get a child's bank card?
Most Finnish banks offer minors their own account and card. Some digital banks also offer accounts aimed at young people. See which banks are marked as suitable for children:
- S-Bank - traditional bank
- OP - traditional bank
- Nordea - traditional bank
- Aktia - traditional bank
- Ålandsbanken - traditional bank
Common practice across banks: the consent of both guardians (one can authorise the other), a valid passport or ID card when the card or credentials are issued, and daily and geographical limits set by the guardians. Minimum ages from the banks' own pages:
- Nordea: Debit card for ages 6-17 with the guardians' consent. Someone aged 15 or over can apply on their own once their own income goes into the account.
- S-Bank: from age 7. Consent of both guardians, mandatory daily limits for minors and a geographical restriction.
- OP: OP Basic from age 7, OP Debit for those over 15.
- POP Bank: POP Visa Debit Online from age 7, online banking credentials from age 9.
- Aktia: Aktia Debit and online banking credentials for ages 7-17 with the parents' consent.
- Danske Bank: as a rule from age 8 with the guardian's consent.
- Säästöpankki: Visa Debit Online as a rule from age 10.
- Ålandsbanken: no minimum age for an own card, with a branch visit together with the parents.
- Revolut: under-18 account for ages 6-17.
- N26: the under-18 card is not available in Finland.
What should I compare when choosing a child's account?
- The monthly fee and the card price.
- Whether the guardian can see transactions and set limits.
- Whether the card works online and in mobile payments.
- What happens when the child comes of age: whether the account moves to the adult price list.
How do I teach a child to use money safely?
Start with a small amount, agree rules for using the card and go through the transactions together. Do not share the card details with third parties.
Related guides
Frequently asked questions
Which is the best bank card for a child in Finland?
In October 2026, Pankkitutka does not name a single best child's card, because the right choice depends on the child's age and the family's bank. According to the data, child's account and card: S-Bank from age 7, €0.00/month; OP from age 7, €0.00/month; Nordea from age 6, €0.00/month; Danske Bank from age 8, €0.00/month; Säästöpankki from age 10, €0.00/month; POP Bank from age 7, €0.00/month; Oma Säästöpankki minimum age not available, €0.00/month; Aktia from age 7, €0.00/month; Ålandsbanken minimum age not available, €0.00/month; Revolut from age 6, price not available; bunq minimum age not available, price not available. Cheapest child's account: €0.00 / month: S-Bank (when the child belongs to a customer-owner household), OP, Nordea, Danske Bank, Säästöpankki, POP Bank, Oma Säästöpankki, Aktia, Ålandsbanken. The conditions for getting a card (for example guardian consent) vary by bank.
How old does a child have to be to get a bank card?
The age limit depends on the bank. You can find age limits and prices in the table above, which is based on the banks' own information.
Does a guardian need to give permission?
Opening an account for a minor and giving access rights usually requires the guardian's consent. Check the bank's terms.
Can a parent follow the child's account?
Often yes. Many banks give the guardian visibility of a minor's account transactions and the option to restrict use.