Debit card for a child or young person

As a child or young person already has their own hobbies and comings and goings, a personal debit card makes daily life easier not only for kids but also their parents.

Personal card for spending

Earnings from summer jobs and weekly pocket money can be deposited in the child’s or young person’s personal account, and the card can be used to pay for snacks and hobbies.  
 
When a parent has the right to access the child’s or young person’s account, it is shown on the parent’s OP-mobile and online bank and the parent can conveniently transfer money to the child’s account. The best way to manage the account and spending is to keep only a reasonable amount of money on the account. In addition, it pays to set suitable spending and withdrawal limits for the account. 
 
The cards available for minors are OP Basic and OP Debit.
 
One card and daily banking services are free of charge for customers aged under 26 years.

First debit card for a child: OP Basic

The OP Basic debit card can be used to pay for purchases in Finland, abroad and online. It is perfect as a first card for a child. Payments are debited immediately from the account, and the card has no credit option. OP Basic cards are available for ages 7 and up.

Learn more about OP Basic

For young persons nearing adulthood: OP Debit

A person aged over 15 years is eligible to get the OP Debit card. When paying by OP Debit, payments are also debited immediately from the account, and the card has no credit option. The card can also be used to pay in locations without internet access, such as on airplanes. 

Learn more about OP Debit

How to apply for a card for 7–17-year-olds

You can apply for a card online if you are an OP customer and you have an OP User ID. 

  1. The child must have a valid passport or identity card as well as a personal phone number for verification of identity. You will need these to fill in the application.
  1. Fill inthe application together with the child.
  1. The other parent, if any, or parents sign the application using their own banking user ID. This can be done with another bank’s user ID too.
  2. The debit card and its PIN will arrive at home within 1–2 weeks.

 

Banking services for customers aged 7–14

Children and young people can practice money management safely with their own account and debit card.

Services for customers aged 15–17

Young people are becoming more independent and can take charge of their own finances. Learn more about how to activate our services for your youngster.