Digital account for people under 18: see the options
In recent years, digital transformation has significantly impacted all aspects of modern life, including the banking sector.
One of the most notable advances is the availability of digital account for minors under 18, an innovation that is shaping the way young people deal with finances from an early age.
But what makes this option so attractive and relevant, and what are the best options?
In this article, you will learn about some digital account options in this regard.
What are the advantages of a digital account for those under 18?
Initially, one of the main advantages of a digital account for minors is the opportunity to promote financial education from an early age.
This way, by having access to their own bank account, young people can learn about the importance of saving, planning expenses, and understanding basic financial concepts, such as interest and investments.
This practical learning complements theoretical teaching, providing a more complete and lasting understanding.
Additionally, with proper supervision from parents or guardians, young people can develop healthy financial habits that will last a lifetime.
Another significant advantage of digital account for minors under 18 is the level of security and control offered to parents.
For example, parents can set spending limits, approve transactions, and monitor account activity in real time.
Unlike traditional bank accounts, these digital accounts are designed with specific features to ensure young people use their funds safely and responsibly.
Finally, a digital account for minors prepares young people for adulthood in a practical and efficient way.
In this sense, familiarity with digital banking services from an early age facilitates the transition to financial independence in adulthood.
+ Digital bank to receive salary: see the options
Digital account for people under 18: see the options
There are several digital account options for those under 18 available in the Brazilian market, offered by various banks and fintechs.
These accounts, as mentioned above, bring great advantages to the social growth of young people.
Take a look at some of the best known and most popular:
1. Banco Inter – Kids Account
Banco Inter's Kids Account is a complete and free digital account, designed especially for children and teenagers between 0 and 17 years old.
With it, children learn about financial education, in practice, while parents monitor and control everything safely and easily.
Account Advantages:
- Total free of charge: no monthly, annual or hidden fees;
- Personalized debit card: with the name of the child or adolescent;
- Easy to use application: with a fun and intuitive interface;
- Parental controls: parents set spending limits and track transactions in real time;
- Uncomplicated allowance: parents can deposit the allowance directly into the account;
- Objectives: it is possible to create savings goals to achieve dreams;
- Financial education: gamified educational content for learning while playing;
- No current account required for the person responsible.
+ How to delegate tasks effectively?
2. NextJoy – Next Bank
NextJoy is a free, Brazilian 100% digital account, created by Next bank in partnership with Disney.
That digital account for minors under 18 It helps children learn about financial education in a fun and engaging way.
While parents closely monitor and control everything through the Next or Bradesco app.
Benefits:
- Financial education: gamified educational content and missions to learn about money in a light and fun way;
- Parental control: Parents set spending limits, track transactions in real time, and receive instant notifications;
- Prepaid card: physical and virtual for purchases and withdrawals at ATMs;
- Uncomplicated allowance: direct deposit of allowance by parents;
- Objectives: creating savings goals to make dreams come true;
- Personalization: choose your favorite Disney character to personalize the app;
- Exclusive discounts at Disney and other partners.
3. C6 Yellow – C6 Bank
The C6 Yellow is a digital account for minors under 18 free and complete.
With it, young people learn about financial education, in practice, while their guardians monitor and control everything safely and easily through the C6 Bank app.
Advantages of the C6 Yellow account:
- Total free of charge: no hidden fees, annual or monthly fees;
- Physical and virtual debit card: personalized with the young person’s name;
- Easy to use application: intuitive and user-friendly interface for young people;
- Parental control: guardians set spending limits, track transactions in real time, and receive instant notifications;
- Uncomplicated allowance: sending allowance directly through the app;
- Objectives: creating savings goals to make dreams come true;
- Financial education: gamified educational content and missions to learn about money in a light and fun way;
4. Bradesco – DigiConta Jovem
Bradesco's DigiConta Jovem is a digital account for minors under 18 free, aiming to promote financial education and autonomy in money management.
Advantages of DigiConta Jovem:
- Total free of charge: no maintenance fees, annual fees or extra charges;
- Personalized debit card: with the young man's name;
- Easy-to-use Bradesco app: user-friendly and intuitive interface for young people;
- Parental control: guardians set spending limits, track transactions in real time, and receive instant notifications;
- Uncomplicated allowance: parents can transfer the allowance directly to the young person's account;
- Objectives: creating savings goals to make dreams come true;
- Financial education: educational and gamified content to learn about finance in a light and fun way.
5. Nubank – Account for Minors
The Nubank Minors Account is a comprehensive, free, and secure digital account designed specifically for children and teenagers between the ages of 10 and 17.
With it, young people learn about financial education, in practice, while parents monitor and control everything safely and easily through the Nubank app.
Advantages of this account:
- Total free of chargel: no monthly, annual or hidden fees;
- Personalized debit card: with the name of the minor;
- Easy-to-use Nubank app: fun and intuitive interface for young people;
- Parental control: Parents set spending limits, track transactions in real time, and receive instant notifications;
- Uncomplicated allowance: parents can transfer the allowance directly to the minor's account;
- Security: account protected by password and biometrics;
- No need for a Nubank account for the person responsible: Parents do not need to be Nubank customers to open an account for their children.
Conclusion
THE digital account for minors under 18 represents a significant evolution in the world of banking, offering a combination of early financial education, enhanced security and preparation for adulthood.
By introducing young people to the world of finance in a safe and controlled manner, we promote not only financial responsibility but also a solid foundation for the economic future of our society.
Therefore, investing in a digital account for those under 18 is undoubtedly a smart and necessary step in developing financially aware and responsible citizens.
