I'm surprised if anyone under 18 has a Cirrus Card. (I presume OP has typed Laser instead of 365 card as a Laser card incorporates Cirrus )
It's illegal to lend to anyone under 18 & seeing as you can overdraw on a Cirrus Card, because it's not online when abroad, it is not allowed to underage persons.
A cirrus card is a very expensive way of withdrawing cash when not in the Eurozone. There are charges of 3.5% for each tx min charge €3.15 & max (I think ) €17.50 when in a different currency area, with a BOI cirrus card. You can run up charges very quickly this way.
Hope this help to clarify.