Child and teenager bank account: ranking
The best accounts for children and teenagers offer 0 zł for maintenance, the card and the app. You can open a joint account with a parent even for a newborn; from age 13 the child gets their own card and BLIK, and accounts for young adults (18–26) add high-interest money boxes.
Compare accounts for teenagers and young adults — we verified maintenance and card fees, apps with parental control and savings-account interest rates against the banks’ tariffs.
Financial offer
PKO BP · 13–26 lat · IKO · wypłaty 0 zł ze wszystkich bankomatów
PKO BP · 13–26 lat · IKO · wypłaty 0 zł ze wszystkich bankomatów
Details
Maintenance 0 zł przy 2 płatnościach kartą lub BLIK w miesiącu (inaczej 5 zł) · Card 0 zł przy 2 płatnościach kartą lub BLIK w miesiącu · Data from the bank tariff, as of 2026-07.
Financial offer
mBank · 13–17 lat · własna karta i BLIK · wypłaty 0 zł ze wszystkich bankomatów w Polsce
mBank · 13–17 lat · własna karta i BLIK · wypłaty 0 zł ze wszystkich bankomatów w Polsce
Details
Card 0 zł karta Visa Me dla 13–24 lat bez opłat · Data from the bank tariff, as of 2026-07.
Financial offer
Pekao · 13–26 lat · PeoPay · wypłaty 0 zł z bankomatów na świecie
Pekao · 13–26 lat · PeoPay · wypłaty 0 zł z bankomatów na świecie
Details
Maintenance 0 zł bezwarunkowo do 26. roku życia · Card 0 zł bezwarunkowo do 26. roku życia · Data from the bank tariff, as of 2026-07.
Financial offer
mBank · 18–24 lata · konto i karta 0 zł · płatności BLIK 0 zł
mBank · 18–24 lata · konto i karta 0 zł · płatności BLIK 0 zł
Details
Data from the bank tariff, as of 2026-07.
Financial offer
VeloBank · 18–26 lat · konto 0 zł bez warunków · VeloSkarbonka
VeloBank · 18–26 lat · konto 0 zł bez warunków · VeloSkarbonka
Details
Maintenance 0 zł bez warunków · Card 0 zł do 26. roku życia · Data from the bank tariff, as of 2026-07.
Financial offer
Alior Bank · 18–25 lat · konto 0 zł bez warunków · Alior Mobile
Alior Bank · 18–25 lat · konto 0 zł bez warunków · Alior Mobile
Details
Maintenance 0 zł bez warunków · Card 0 zł przy 5 płatnościach kartą lub BLIK w miesiącu (inaczej 7 zł) · Data from the bank tariff, as of 2026-07.
Financial offer
Bank Millennium · 18–26 lat · wypłaty BLIK 0 zł ze wszystkich bankomatów w Polsce
Bank Millennium · 18–26 lat · wypłaty BLIK 0 zł ze wszystkich bankomatów w Polsce
Details
Card 0 zł przy 1 płatności kartą lub BLIK w miesiącu (inaczej 5 zł) · Data from the bank tariff, as of 2026-07.
No accounts match the selected filters — change the age or account type.
And an account for a child under 13?
An account for a younger child (e.g. PKO Konto Dziecka, mBank’s eKonto Junior or Pekao’s offer with the PeoPay KIDS app) is opened by the parent alongside their own account — directly at the bank or in the app. The child gets money boxes and basic payments, and the parent has full control over spending. Starting from your own personal account at the same bank, you can usually add the child’s account with a few clicks.
How to choose an account for a child
Zero fees
The account, card and app should be fully free — with no hidden fees for ATM withdrawals.
Parental control
A view of spending, limits and notifications in the app give peace of mind and teach the child budgeting.
Learning to save
Money boxes, goals and a savings account help set money aside for their own dreams.
The order reflects real costs and features, not the partner’s commission. Our methodology →
* The offers shown come from partner banks. We verified the fees and interest rates in the banks’ public tariffs (as of July 2026) — “—” means a value we did not confirm in the tariff. The final terms are set by your agreement with the bank.
Źródła i podstawa prawna
- 1. Banks’ fee and commission tariffs (product documents linked with each offer) — PKO BP, mBank, Pekao, VeloBank, Alior Bank, Bank Millennium
- 2. Registers and data of the Polish Financial Supervision Authority — KNF
Stan prawny i dane liczbowe zweryfikowane przez redakcję kreddo.pl. Jeśli zauważyłeś nieaktualne źródło — daj nam znać.
Frequently Asked Questions
From what age can you open a bank account for a child?
A savings account held with a parent can be opened even for a newborn — you do it directly through the parent’s bank. From age 13 a teenager can have their own account with a card and BLIK (with parental consent), and from 18 a full account for young adults.
Is a child’s bank account really free?
The accounts in this ranking charge 0 zł for account maintenance, and the card is free either unconditionally or after a few card or BLIK payments per month — we list the conditions for each offer. Also check the fees for cash withdrawals at other banks’ ATMs and for instant transfers.
Can a child pay by card and BLIK?
Yes. From age 13 a teenager gets their own card and BLIK payments on their phone. The parent sets daily limits and sees the transactions in their own app.
How do you teach a child to save?
Choose an account with money boxes and savings goals. The child sets money aside for their own dreams, and an interest-bearing savings account shows how money grows over time.