Can a 4 year old baby open a bank account in his own name?

There is no age limit for applying for a CMB Savings Card.

Under the age of 16 in China: (1) The guardian shall issue a valid identity document of the person and the person being the person and the certificate of guardianship or an official document issued by the people's court and relevant departments for the designated person to open an account. (2) For the bank account opened by the guardian**, the mobile phone number of the guardian or depositor with real-name authentication can be retained.

Tips] 1. It is recommended to contact the handling bank in advance to confirm whether other auxiliary documents are required; 2. The same person can only open one type of account (excluding credit card) in the same bank, and if a class account has already been opened and a new account is opened, a class account or a class account should be opened. The total number of classes, classes, and households shall not exceed 4.

In response to the problem of opening an account for children under the age of 16, the reporter recently made a special trip to conduct an investigation. The sampled banks are: Industrial and Commercial Bank of China (,, China Construction Bank (,, Bank of China (,, China CITIC Bank, Guangfa Bank, Shanghai Pudong Development Bank (,, Bank of Shanghai, Huaxia Bank (,, China Merchants Bank (,, Agricultural Bank of China (,, Bank of Communications (,, Minsheng Bank (,, Postal Savings Bank, China Everbright Bank (,, Industrial Bank (,, and Shenzhen Development Bank and other 16 large and medium-sized banks.

The results show that six banks, including China Everbright Bank, Huaxia Bank, Industrial Bank, Minsheng Bank, China CITIC Bank and Shanghai Pudong Development Bank, are exempted from all three fees (production cost, annual fee and small account management fee), making them more suitable for children to open accounts. China Merchants Bank has become the most unsuitable bank for children to open an account because the threshold for waiving small account management fees is as high as 10,000 yuan per day.

Children can open a bank account. Children under the age of 16 need to go to the bank with their parents to open an account and need to prepare their parents'ID card, household registration booklet, children's ID card and other information. 16 years of age or older (inclusive) are considered to haveCivil capacityof people

At this point, you just need to bring your ID card to any bank to open an account. Children can open a bank account. Children under the age of 16 need to go to the bank with their parents to open an account, and prepare their parents' ID cards, household registration booklets, children's ID cards and other materials.

Those over the age of 16 (inclusive) are persons with civil capacity. At this point, they only need to bring their ID card to any bank to open an account. First of all, it needs to be made clear that the bank card needs to be handled by itself.

A guardian cannot represent them, but at the same time, minors under the age of 16 need a guardian to accompany them.

Minors can open a bank debit card.

account, but for minors to open an account, the People's Bank of China.

There are uniform regulations: Chinese citizens under the age of 16 residing in China should have a guardian open a personal bank account and present a valid ID card and resident ID card or household registration booklet of the guardian. The bank stipulates that children under the age of 16 need to be accompanied by their parents to open a bank account.

Parents can bring their ID cards, ID cards or household registration booklets. If you don't have these two certificates, a birth certificate and an only child certificate will also work. The bank cards handled by minors are mainly debit cards, and each bank has different regulations on the use of debit cards handled by minors.

In addition, in order to control the consumption of minors, debit cards applied for by minors generally do not have online banking.

Mobile banking, ** banking and other services. Other regulations can be found at the bank's business office.

For students over the age of 16, the way to apply for a bank card is the same as for adults, and you can go to the bank with your ID card. The main types of bank cards for minors are debit cards, and each bank has different regulations on the use of debit cards for minors. In addition, in order to control the consumption of minors, minors who apply for debit cards with limb leakage and hunger generally do not have the ability to apply for online banking, mobile banking, ** banking and other services.

Its history and other regulations can be found in the bank's business office. Children can open an account in a bank, under the age of 16 must be accompanied by their parents, no ID card can use the household registration book as proof of identity, it is recommended not to open an account in the name of children, because some business of the bank can only be handled by self-search, not by others**.

Yes, you can apply for a debit card, but not a credit card.

Debit cards are divided into debit cards, special cards, and stored-value cards according to different functions. Debit cards cannot be overdrawn. Debit cards have the functions of transferring, depositing and withdrawing cash, and spending.

A special card is a debit card that is used in a specific area for a specific purpose (referring to the purpose other than the department store, catering, and entertainment industry), and has the functions of transferring money, depositing and withdrawing cash.

Citizens with full capacity for civil conduct (citizens aged 18 or above in Chinese mainland) and have a certain direct economic ** can apply for a credit card from the issuing bank. Sometimes, a legal person can also be an applicant.

Children under the age of 16 need to go to the bank with their parents to open an account, and they need to prepare their parents' ID cards.

Household registration booklet, student ID card and other information. Those who are 16 years old or older are entitled to civil capacity.

At this time, you only need to bring your ID card to open an account at any bank.

After the account is successfully opened, some banks will require at least a part of the money to be kept in the bank card, and at this time, you only need to deposit money in the card.

Extended Materials. Bank account opening process.

The company's bank account types are divided into basic bank account and general bank account.

with a temporary bank account.

When registering a company, it is necessary to open a basic bank account, which is usually referred to as opening a bank account.

Class. Basic deposit account.

The basic deposit account is the main deposit account of enterprises and institutions, which mainly handles daily transfer and settlement and cash receipt and payment, and the withdrawal of cash such as wages and bonuses of the deposit unit can only be handled through this account. The opening of a basic deposit account must be submitted to the local People's Bank of China for approval and the issuance of a permit for opening an account.

The original license shall be retained by the depository unit, and the copy shall be submitted to the opening bank.

Retained. Enterprises and institutions can only choose one business institution of one commercial bank to open one basic deposit account.

General Deposit Account.

The general deposit account is the basic account of enterprises and institutions.

If an account is opened by a bank other than another bank due to borrowing expenses, the account can only handle transfer settlement and cash deposit. Cash withdrawals are not permitted.

Temporary Deposit Account.

The temporary deposit account is an account that needs to be opened by a foreign temporary institution or individual economic household due to temporary business activities, and the account can handle transfer and settlement and cash in accordance with the national cash management regulations.

Dedicated accounts. Only a certain item of funds is taken out to facilitate management and use, so the newly opened account is called a special account, but the opening of a special account needs to be approved by the People's Bank of China.

Required Materials: Original and duplicate of business license.

Articles of Association. The original and photocopy of the ID card of the legal representative.

A copy of the partner's or shareholder's ID card.

The original and photocopy of the ID card of the person in charge.

Five chapters (official seal, financial seal, legal person seal, contract seal, grandson invoice seal).

Other documents required by the local bank.

Steps. 1. Make an appointment with the bank account manager in advance or bring relevant materials directly.

2. Sign and seal the relevant documents under the guidance of the account manager.

3. The bank will submit the relevant information to the central bank.

Generally, it takes 5 working days, and the central bank will issue an account opening permit.

4. Wait for the account manager to notify you to collect evidence, return card, and U shield.

Wait. 5. Carry out the remaining operations such as account deposit under the guidance of the account manager.

Note: Generally speaking, the legal representative should be present in person at least once during account opening and evidence collection.

Now some banks have launched bank cards specifically for underage children, and there will be some restrictions on the functionality of children's cards.

To open an account for minors, you need to pay attention to the following points:

1. The guardian shall issue the valid identity documents of the person and the person being the person, as well as the certificate of guardianship or the official document of the designated person issued by the people's court and relevant departments to open an account;

2. If the head of the household is the guardian, there is no need to prove, and the original of the above materials can be used to open an account;

3. Minors are not independent persons and cannot open online banking boards;

4. For the bank account opened by the guardian**, the real-name verified mobile phone number of the guardian or depositor shall be retained.

Note that if this is the first card, the annual fee and small account maintenance fee will be waived.

It is recommended to contact the handling bank in advance to confirm whether other supporting documents are required, and the same person can only open one type of account (excluding credit card) in the same bank.

Legal basis] Civil Code of the People's Republic of China

Article 19: Minors over the age of 8 are persons with limited capacity for civil conduct, and the implementation of civil juristic acts is to be carried out by their legally-designated persons or with the consent and recognition of their legally-prescribed persons; However, they may independently carry out civil juristic acts that are purely beneficial or that are appropriate to their age and intelligence. Article 20: Adults under the age of 8 are persons with no capacity for civil conduct, and their legally-prescribed persons are to carry out civil juristic acts. Article 22: Adults who are unable to fully recognize their own conduct are persons with limited capacity for civil conduct, and the implementation of civil juristic acts is carried out by their legally-designated **person** or with the consent and retrospective consent of their legally-designated **person; However, they may independently carry out civil juristic acts that are purely beneficial or that are appropriate to their intellectual or mental health conditions.

Article 31: Where there is controversy over the determination of a guardian, the residents' committee, villagers' committee, or civil affairs department for the ward's domicile is to appoint a guardian, and where the relevant parties are not satisfied with the designation, they may apply to the people's court for the appointment of a guardian; Relevant parties may also directly apply to the people's court for the appointment of a guardian.

Residents' committees, villagers' committees, civil affairs departments, or people's courts shall respect the true wishes of the ward, and follow the principle of the best interests of the ward to appoint a guardian among those who have guardianship qualifications in accordance with law.

Where the ward's personal rights, property rights, and other lawful rights and interests are unprotected before a guardian is appointed on the basis of the provisions of the first paragraph of this article, the residents' committee, villagers' committee, relevant organization as provided for by law, or civil affairs department for the ward's domicile is to serve as the temporary guardian.

After the guardian is appointed, it must not be changed without authorization; Where changes are made without authorization, the responsibility of the appointed guardian is not exempted.