Valid identification of guardian
As the legal representative of the child, the guardian needs to bring his valid identity certificate to the bank to open an account. Valid identity documents usually include identity cards, passports, etc. Used to prove the identity of the guardian and the guardianship relationship with the children.
Second, the child's household registration book or birth certificate
The household registration book or birth certificate is an important document to prove the identity of the child and the relationship with the guardian. The household registration book records the basic information such as the child's name, gender and date of birth in detail, while the birth certificate is a certificate issued by the hospital or relevant departments to prove the fact of the child's birth. These documents will be used by the bank to check the identity information of children when opening an account.
Third, recent color photos of children
Some banks may need to provide recent color photos of their children when opening accounts for them. Photos should be clear and unobstructed, which can truly reflect the child's five senses. Parents can take photos that meet the requirements in advance for their children to provide when opening an account.
After preparing the above information, parents can take their children to the bank counter or online banking to apply for opening an account. When filling in the application form, you need to fill in the relevant information according to the requirements of the bank and ensure that the information filled in is accurate. After submitting the application, the bank will review the submitted materials and open a bank account for the child after approval.
To sum up:
To open a bank account for a child, you need to prepare the valid identity certificate of the guardian, the child's household registration book or birth certificate, and the child's recent color photos. Parents should know the specific requirements of the bank in advance and go to the bank to open an account with complete information. By opening an account, you can provide your child with a safe and convenient bank account, which is convenient for future fund management and use.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 19 stipulates:
Minors over the age of eight are persons with limited capacity for civil conduct, and the implementation of civil legal acts is represented by their legal representatives or recognized and ratified by their legal representatives; However, civil legal acts that are purely beneficial or suitable for their age and intelligence can be implemented independently.
This provision clarifies the limitation of minors' ability to carry out civil legal acts and the role of legal representatives in it. In the process of opening a child's bank account, the guardian, as the legal agent, needs to apply for opening an account on his behalf to ensure the legality and effectiveness of the account opening behavior.
Law of People's Republic of China (PRC) on the Protection of Minors
Article 3 provides that:
The state guarantees minors' rights to subsistence, development, protection and participation, and the state, society, schools and families respect and guarantee minors' right to education.