Banking services for older Kids and Teens?

I'm wondering what accounts, banks, and services people have found useful for older kids and teens in the currently mostly cashless and often online payments.

Do they have a regular account and cash card and then a 2nd online one like Revolute etc. What about savings. Or do you just one for all.

There are “2nd” level bank accounts available, parental authorisation is required if under 16.

All banks do them i believe, here is aib’s offering:

No fees, and they pay the small atm stamp duty charge as well.

BOI:

If you have a free banking Revolut account,you can get a free Junior account, have one for my 15 year old, but find it a little restrictive, as the max i can transfer is €40 per month, which is fine for some months, but not others.

There are less restrictive options on a fee paying Revolut card


As i have bo intention of paying any fees nor do they ! , i’l likely add an Irish Bank, so they have Revolut for fx transactions, and no montly transfer restrictions, on main itish bank account.

N26 is my own favourite all rounder, for banking, but you have to be 18 to open an account. I am not aware of a teen account with them.


For long term savings- An Post 10 years, 16% risk free, no DIRT, & no charges, is hard to beat, the 5 year Saving Certs is 5 %.

The short term interest rates are practically zero in most cases, so for teens, think longer term and get some kind of guaranteed return.

Thanks. Appreciated