2. The People's Bank of China has unified regulations: China citizens under the age of 16 living in China should be represented by their guardians to open personal bank accounts, and show their valid identity documents and the resident identity card or household registration book of the account user.
3. Those who have reached the age of 16 can bring their ID cards to the bank to apply for bank cards.
Extended data:
Children's bank card application
/kloc-children under the age of 0/6 can open their own accounts in five major banks with their household registration books and valid certificates from their guardians. Among them, ICBC, Bank of China, Bank of Communications and other banks have launched special cards for children.
function
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.
All major banks except ICBC, China Communications and Bank of Communications indicated that there were no children's cards before 20 12, but minors under 16 can open ordinary bank cards with their household registration books, valid identity documents of guardians and guardianship certificates.
Baidu Encyclopedia-Yitong Bank Card