How old do you have to be to get a bank card? Update the LATEST regulations
08/04/2025
How old do you have to be to get a bank card? is a question many people ask when they want to register for a card. Understanding your age and bank card regulations will help you be proactive in registering and preparing necessary documents. Please read the article below to get detailed answers to the above questions.
questions.
Readers should note: The data and information in the article are compiled from general market sources and do not apply specifically to SeABank's products or services.
1. Age regulations for card card-making bank for each card type
Normally, banks have general regulations on the age to apply for a bank card, which is 18 years of age or older. However, depending on age, customers will have the right to issue different types of cards.
Card type
Define
Regulation on the card issuance age
Debit card
A debit card is a card directly connected to a bank account, allowing users to make transactions within the available amount and overdraft limit (if any).
People 18 years of age or older are allowed to issue debit and prepaid cards, both primary and secondary cards, if they have full civil act capacity.
People under 18 years old and 15 years old or older can issue primary and secondary cards of debit cards and prepaid cards if their civil act capacity is not lost or limited. At this age, banks often support debit cards with no overdraft.
People under 15 years old and 6 years old or older can open 2 additional cards of a debit card and a prepaid card if they do not lose or limit their civil act capacity. Normally, banks will support customers of this age to open overdraft-free debit cards and prepaid cards with the condition of having written consent from a guardian or legal representative.
Foreigners with a residence permit of 12 months or more can open these 2 cards.
Prepaid card
Prepaid cards are cards that users must deposit money into before making transactions. This type of card is issued to customers by businesses affiliated with banks or can also be issued by banks or financial institutions themselves.
Credit card
A credit card is a type of card that operates on a pay now, repay later mechanism. When using a credit card, the user "borrows" an amount of money from a bank or financial institution to perform transactions and repay the debt at the end of the period, with interest incurred if not paid on time.
People who have full civil act capacity and have not lost their civil act capacity are 15 years of age or older. However, normally, at current banks, people under 18 years old and 15 years old or older can only open a credit card in the form of a supplementary card under the main card of the legal guardian.
Foreigners with a minimum residence period of 1 year or more are allowed to open a credit card with a deposit. This is a type of secured credit card with collateral with a minimum value equal to the granted credit limit.
Each different type of bank card has its own regulations on card card-making age.
2. At what age do you need to go through a guardian to open a bank card?
According to Article 11 of Circular 23/2014/TT-NHNN amended by Clause 6, Article 1 of Circular 02/2019/TT-NHNN, there are 2 groups of subjects who need to open a bank card through a guardian, specifically:
Individuals under 15 years of age do not have full civil capacity.
Individuals from 15 years old to 18 years old, but have limited or insufficient civil capacity to self-register to open a card and manage a personal bank account.
Representatives can be parents or people authorized by law to be guardians in writing and can open bank accounts for the two subjects mentioned above.
For some subjects, opening a bank card requires a guardian to accompany them.
3. Instructions for making a bank card for people under 18 years old
According to the regulations of some banks, card making for customers under 18 years old needs to be done by a guardian. To register for a bank card for this group of customers, you can follow the 3 steps below:
Step 1: Prepare documents such as CCCD/Valid ID card or passport and come directly to the bank transaction address.
Step 2: Request to open a bank card and follow the staff's detailed instructions such as filling out the information according to each bank's application form, paying the card opening fee (if any)...
Step 3: Wait for the bank to confirm, review documents, and receive an appointment letter to get a physical bank card. Normally, after 7 working days (excluding holidays and weekends), you can come to receive your card.
You need to prepare all documents and register for a card according to the instructions of the bank staff.
At SeABank, customers who are 15 years old, have mandatory documents such as ID card/ID card and have full civil capacity can register to open a debit card. Customers who are 18 years old, have mandatory documents such as ID card/ID card and have full civil capacity can register to open a credit card.
You can open a debit card online via the SeAMobile application in 5 simple steps below:
Step 1: Download the application SeAMobile across platforms Google Play or App Store.
Step 2: Open the application - select the item Card and choose the type of debit card that suits your needs.
Step 3: Fill in the necessary information to issue the card.
Step 4: Confirm the entered information.
Step 5: Enter OTP code or pin code to complete registration.
Above is the detailed answer to the question "How old do you have to be to get a bank card?” If you have related questions or need to make a bank card at SeABank, you can contact the phone number 1900 555 587 or visit the website www.seabank.com.vn for specific advice.
Southeast Asia Commercial Joint Stock Bank SeABank
Address: BRG Building, 198 Tran Quang Khai, Ly Thai To Ward, Hoan Kiem District, Hanoi
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