Top Cards for Under-18s

Looking for information on cards for under-18s?
From debit cards that offer financial independence to prepaid cards that could help children learn the importance of budgeting and money management, the thimbl guide to cards for under-18s explores different options.

Can you get a credit card if you’re under-18?

To sign a credit agreement in the UK, you must be at least 18 years of age. This means that it’s not possible to apply for a credit card if you’re under the age of 18.
However, there are other options that could be available to under-18s, including prepaid and debit cards.

Cards for under-18s

In the table below, we’ve detailed the two card options available to under-18s, outlining their key features and the things to think about before you decide.

Why you might consider a card for under-18s

Key financial skills, such as budgeting and money management, may not be covered in some schools, yet they’re an important part of life. Giving your child their own card and access to their own money could help to build their financial understanding and confidence. It’s never too early to introduce children to the concept of money.

Which bank is best for under-18s?

It’s important to note that there’s no ‘best’ bank for under-18s; different banks will suit different people. When searching for a bank for under-18s, you should take the time to read through the features offered by each to help you understand which one could be the most suitable match for your child. Some banks may offer cards for under-18s with no fees, while others may be running a certain promotional offer that could appeal to your child - for example, NatWest recently offered a three-month Xbox Game Pass Ultimate for children/teens approved for their Rooster Card subscription.

A comparison site could help you compare bank accounts for children.

Should I get my child/teenager a prepaid or debit card?

It’s up to you whether you apply for a prepaid or debit card for your child/teenager. When considering the options, there are several things you may wish to consider, including the age of your child and how much control you’d like to have over their spending.

The three main differences between a prepaid and a debit card for under-18s:

1. Bank account vs no bank account
   A debit card comes with a bank account; a prepaid card does not.


2. Level of parental input
   With a prepaid card, the child’s parent or guardian will usually have full access to and control over the child’s spending, while a debit card will be linked to a bank account in the child’s name that only they can access.
   Younger children could benefit from monitoring while they get to grips with money management, while teens may appreciate a little more financial independence.


3. Availability based on age
   Prepaid cards are typically available to anyone from the age of 6, while the general age requirement for a debit card is slightly higher, at 11 years old.

Can under-18s get a thimbl Credit Builder Credit Card?

No, they can’t. One of the eligibility requirements for a thimbl credit card is that applicants must be over the age of 18.

Four interesting financial facts about under-18s

1. 47% of children between the ages of 7 and 17 report that they have not received financial education at home or at school.
2. A study released in 2025 revealed that 55% of 7- to 14-year-olds surveyed said that money affects their overall happiness.
3. The same study also found that 46% of respondents admitted to feeling worried about money and their future.
4. While there are plenty of online resources and apps to help with financial health for under-18s, it might surprise you to learn that 87% of children said that they would prefer to learn about money in a practical way, rather than relying on sources online. Just 34% expressed that they’d turn to social media or influencers for financial education.

What does this mean?

Simply put, this means that we must do more to encourage financial confidence in under-18s. As discussed, it’s never too early to teach children about the importance of money. Financial education doesn’t have to be a tedious task; there are many things you can do to promote financial health and awareness in a fun way. ‘Playing shop’ is a classic way to get younger children involved with money management. For older children and teens, allowing them their own prepaid or debit card could make a world of difference to their understanding of practical money management.

What to do if you’re worried about money

Money worries are sadly very common – but you don’t have to face them alone. Please know that you can access free, confidential advice on a range of money and debt-related topics through charities and organisations such as StepChange, MoneyHelper, Citizens Advice, and National Debtline.

If you’re reading this article as someone who’s under the age of 18 and you’re concerned about money, it’s important to remember that help is available. Whether you’re worried about your own or your family’s financial situation, you can confidentially discuss your concerns with charities including Young Minds, Childline, and the Samaritans.
You’re not alone.