How to open an account for a child in a bank for adults and children

First of all, you have to choose the one you likebank and program. To open an account, you must provide the required documents. Typically, this is a passport and birth certificate. When opening an account, you must make a minimum deposit.open a child accountThe best gift for a child is opening a bank account. Photo: Getty Taking into account the degree of legal capacity, the civil code distinguishes 3 age groups of citizens:

  • Minors of active legal capacity: up to 14;
  • partially capable: 14-18;
  • fully capable: more than 18.

    • The rules are regulated depending on this.account management. In the first case, it is opened only by parents and guardians. For this, you will need an adult's passport and a birth certificate. In the second case, written consent from parents or guardians is required to open. In this case, the passports of the son or daughter and one of the parents are provided. In the latter case, only a passport is required. If you open an account for a long term, the rates here will be higher. As a rule, programs are offered that are valid for 1-5 years. Capitalization occurs every month or every quarter. Automatic renewal options are possible.

    From what age can minors manage the contribution

    Operations for depositing and withdrawing money are carried outparents. Upon reaching partial legal capacity, your son or daughter can manage money. However, there is a limitation. The second group of citizens can only withdraw funds from the account that they contributed themselves. Otherwise, written permission from the parents is required. Full control over money is only possible for the 3rd group of citizens.

    For how many years the child can close the deposit himself

    If desired, the opened account can be closed:

    • The first group of citizens to close the account provides a passport of the parent or guardian, who opened an account, a contract and a savings book.
    • The second group - passport and savings book. Sometimes written consent of parents is requested.
    • Upon reaching the age of majority, the passport of the account holder, the contract and the savings book are provided.

    After providing the necessary documents, the contract is terminated and the money is paid. Do not be afraid to open an account for your loved ones. It is easy and fast to do. .

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