For minors to open an account, the People's Bank of China has a unified regulation: China citizens under the age of 65 living in China, 438+06, should be represented by their guardians to open a personal bank account, and show their valid identity documents and the resident identity card or household registration book of the account user. According to the regulations of the bank, if children under the age of 16 need their parents to accompany them to open an account in the bank, the parents can handle it with their ID cards and children's ID cards or household registration books. If they don't have these two certificates, birth certificates and one-child certificates are also acceptable.

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.

Compared with the ordinary debit card account, the special card for children appears to have a single service function. Children's special cards of ICBC, Bank of China and Bank of Communications can realize basic service functions such as deposit and withdrawal, consumption and transfer of general debit cards.

The three banks have different restrictions on payment, online banking, wealth management and other functions, and the specific situation is not the same. Among them, if the ICBC Baby Growth Card is opened and an exclusive financial agreement is signed, the bank can provide account management functions such as automatic transfer of excess quota, account change reminder and monthly consumption quota setting. However, children's cards do not support functions such as purchasing wealth management and fund fixed investment. , and you can't enable online banking.

The "Great Wall Flower Season Card" launched by Bank of China for young students under 16 has the function of multiple accounts and the function of receiving and paying money. The card also does not support bank financing and fixed investment.

Bank of Communications "Pacific Children Card" can provide online banking and other electronic banking services for children's exclusive cards in the presence of agents, but minors themselves cannot handle this business alone.

Except for ICBC, all other big banks said that there is no special card for children at present, but minors under 16 can open an ordinary bank debit card with their household registration book, valid guardian ID and guardianship certificate.