[{"data":1,"prerenderedAt":1293},["ShallowReactive",2],{"comparison-kreditkarte-kinder":3},{"directusData":4,"page":995,"uri":1291,"type":1292},{"id":5,"slug":6,"title":7,"text":8,"date_updated":9,"factsheet":10,"show_calculator":14,"show_filter":15,"show_layout_toggle":15,"default_parameters":16,"default_filter_parameters":36,"items_filter":36,"custom_table_columns":37,"table_sort":172,"disclaimer":178,"selected_alt_product_name":36,"parent_awards":179,"award_highlight":180,"tags":36,"award_1_label":181,"comparison":182,"user_created":320,"award_1_item":323,"items":338,"table_columns":955,"product_selection_title":191},102,"kinder","Kinderkreditkarte","\u003Ch2>Die besten Kinderkreditkarten 07\u002F2026\u003C\u002Fh2>\n\u003Cp>Mit einer Kinderkreditkarte können Kinder selbstständig bezahlen und Bargeld abheben – und dabei Schritt für Schritt den verantwortungsvollen Umgang mit Geld lernen. Welche Karte sich dafür am besten eignet, zeigt unser Vergleich.\u003C\u002Fp>","2026-07-01T09:10:30.298Z",[11],{"label":12,"value":13},"Vergleichs-Kriterien","17",true,false,[17,21,25,29,32],{"title":18,"key":19,"value":20},"Betrag Kartenzahlung in Fremdwährung p.M.","monthlyForeignCardPayment","1000",{"title":22,"key":23,"value":24},"Abhebebetrag in Fremdwährung p.M.","monthlyForeignWithdrawal","300",{"title":26,"key":27,"value":28},"Anzahl Abhebungen in Fremdwährung p.M.","monthlyForeignWithdrawalCount","2",{"title":30,"key":31,"value":20},"Abhebebetrag in DE p.M.","monthlyWithdrawal",{"key":33,"value":34,"title":35},"monthlyWithdrawalCount","3","Anzahl Abhebungen in DE p.M.",null,[38,46,49,53,57,64,71,75,79,85,88,95,100,105,108,114,119,124,129,134,137,142,146,149,152,156,159,162,166,169],{"label":39,"key":40,"type":41,"active":14,"options":42,"mobile_rank":45},"Kreditkarte","payment_card","image",[43,44],"transparent","full-width",-1,{"key":47,"label":48,"active":15,"type":47},"provider","Anbieter",{"key":50,"label":51,"type":52,"active":14},"label","Produkt","product",{"label":54,"key":55,"type":56,"active":14},"Angebot","url","cta",{"label":58,"key":59,"type":59,"active":14,"description":60,"options":61,"sortable":14,"sort_options":62},"Kreditkarten-Test","rating","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Hier sind \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vTUGmnb5RTqlS4AC2AYaZ6-Lxpv0KHv3dfkB0Z1QvKqC6UiGQ6HcWsB3jxbCsybAsG_w_W8sFzP0mI6\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa>.\u003C\u002Fspan>\u003C\u002Fp>",[],[63],"default_sort",{"label":65,"key":66,"type":67,"active":14,"mobile_rank":68,"sortable":15,"sort_options":69,"description":70},"Kartengebühr (pro Jahr)","card_fee","text",1,[],"\u003Cp>Wenn ein kostenpflichtiges Girokonto für die Karte notwendig ist, werden die Kosten des Girokontos angezeigt. \u003C\u002Fp>",{"label":72,"key":73,"type":67,"active":14,"description":74,"mobile_rank":36},"Einmalige Kosten","one_time_fees","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Zu den einmaligen Kosten zählen Ausstellungs- oder Versandkosten.\u003C\u002Fspan>\u003C\u002Fp>",{"label":76,"key":77,"type":41,"active":14,"description":78,"mobile_rank":36},"Kreditkartengesellschaft","credit_card_provider","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wie hoch die Akzeptanz der Kreditkarte ist, hängt von der Kreditkartengesellschaft ab. Visa und Mastercard genießen in Europa vor American Express die höchste Akzeptanz. Seltener werden die Kreditkarten von Diners Club akzeptiert.\u003C\u002Fspan>\u003C\u002Fp>",{"label":80,"key":81,"type":67,"active":14,"filterable":14,"filter_type":67,"filter_options":82,"filter_condition":83,"description":84,"mobile_rank":36},"Kartentyp","card_type","Credit, Debit","contains","\u003Cp>\u003Cstrong>Prepaid-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> werden mit Guthaben aufgeladen. \u003C\u002Fspan>\u003Cstrong>Debit-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> werden sofort abgerechnet. Zu den echten Kreditkarten zählen Charge- und Revolving-Kreditkarten, da ein Kredit gewährt wird. Bei \u003C\u002Fspan>\u003Cstrong>Charge-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> wird der offene Betrag i.d.R. einmal im Monat vollständig eingezogen. Typisch für \u003C\u002Fspan>\u003Cstrong>Revolving-Kreditkarten\u003C\u002Fstrong>\u003Cspan style=\"font-weight: 400;\"> ist, dass die Rückzahlung in Raten voreingestellt ist. Auf die offenen Raten werden meist sehr hohe Zinsen fällig.\u003C\u002Fspan>\u003C\u002Fp>",{"label":86,"key":87,"type":67,"active":14},"Mindestalter","kids_age",{"label":89,"key":90,"type":91,"active":14,"options":92,"description":94},"Kein extra Girokonto nötig","credit_card_without_current_account","check",[93],"icons-filled","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Manche Kreditkarten lassen sich nur zusammen mit einem Girokonto abschließen. Achte hierbei darauf, ob für das Girokonto zusätzliche Kosten entstehen. Manche Karten lassen sich ohne Girokonto eröffnen, in diesem Fall kann man ein bestehendes Konto zur Abrechnung hinterlegen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":96,"key":97,"type":91,"active":14,"options":98,"description":99},"Karte dauerhaft im Guthaben führen","rechargable",[93],"\u003Cp>Zur Kreditkarte gehört ein Giro- oder Kartenkonto. Das Girokonto kann im Guthaben geführt werden, während Belastungen auf dem Kartenkonto zu Schulden führen, die monatlich ausgeglichen werden. Bei manchen Anbietern kannst du Geld auf das Kartenkonto überweisen, um Zinsen zu vermeiden und das Kartenlimit zu erhöhen. Bei dauerhafter Führung im Plus kann es jedoch dazu kommen, dass du dein Guthaben abziehen musst oder dein Vertrag gekündigt wird.\u003C\u002Fp>",{"label":101,"key":102,"type":91,"active":14,"options":103,"description":104},"Vollständiger automatischer Ausgleich möglich","automatic_compensation",[93],"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bestenfalls lässt sich eine Kreditkarte automatisch ausgleichen. Manche Kreditkarten lassen sich allerdings nur per Überweisung ausgleichen. Beim Kreditkartentyp Prepaid, Debit und Credit (Charge) ist fast immer der vollständige Ausgleich voreingestellt. Bei einigen Revolving-Kreditkarten kann er zumindest eingestellt werden.\u003C\u002Fspan>\u003C\u002Fp>",{"label":106,"key":107,"type":91,"active":14},"Kontrolle für Eltern","kids_parental_control",{"label":109,"key":110,"type":91,"active":15,"options":111,"description":113},"Akzeptanz bei Kaution","acceptance_for_deposit",[112,93],"check-circle","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Mit einer Kreditkarte kann eine Kaution, z.B. für ein Mietauto, hinterlegt werden. Meist akzeptieren Verleiher ausschließlich echte Kreditkarten. Debit- und Prepaid-Kreditkarten werden teilweise angenommen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":115,"key":116,"type":67,"active":14,"description":117,"mobile_rank":118},"Kosten Geld abheben in Euro","withdrawal_fees","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Die Konditionen für das Abheben von Bargeld beziehen sich auf die Kosten bei der Bank oder der Kreditkartengesellschaft. Es können zusätzliche Gebühren vom Geldautomatenbetreiber verlangt werden. Achte darauf, ob der Geldautomat ein zusätzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",2,{"label":120,"key":121,"type":67,"active":14,"description":122,"mobile_rank":123},"Kosten Geld abheben in Fremdwährung","withdrawal_fees_foreign_currency","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Zusätzlich zu den Kosten können Fremdwährungsgebühren anfallen. Diese sind im Tooltip angezeigt. Es können zusätzliche Gebühren vom Geldautomatenbetreiber verlangt werden. Achte darauf, ob der Geldautomat ein zusätzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",3,{"label":125,"key":126,"type":67,"active":14,"description":127,"mobile_rank":128},"Fremdwährungsgebühr","payment_fees_foreign_currency","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bei Kartenzahlung und beim Abheben von Bargeld in Fremdwährung können zusätzliche Kosten in Form eines Aufschlags auf den echten Wechselkurs entstehen.\u003C\u002Fspan>\u003C\u002Fp>",4,{"label":130,"key":131,"type":41,"active":14,"options":132},"Mobiles Bezahlen","contactless_payment_services",[133],"disable-tooltip",{"label":135,"key":136,"type":41,"active":14},"Online-Verwaltung","online_maintenance",{"label":138,"key":139,"type":140,"active":14,"description":141},"Kundenservice","customer_support","icons","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der Kundenservice per Telefon oder Chat bezieht sich auf allgemeine Themen. Eine telefonische Sperrhotline fällt nicht darunter.\u003C\u002Fspan>\u003C\u002Fp>",{"label":143,"key":144,"type":67,"active":15,"description":145},"Effektiver Jahreszins","effective_annual_interest","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Der effektive Jahreszins beinhaltet die jährlichen Gesamtkosten eines Kredits. Daher ist er in der Regel etwas höher als der Sollzins, der häufig ebenfalls angegeben wird.\u003C\u002Fspan>\u003C\u002Fp>",{"label":147,"key":148,"type":91,"active":15},"Versicherungen","insurances",{"label":150,"key":151,"type":91,"active":15},"Mit Cashback","cashback",{"label":153,"key":154,"type":155,"active":15},"Preis- und Leistungsverzeichnis","plv_link","link",{"label":157,"key":158,"type":67,"active":15,"filterable":15,"filter_type":67,"filter_options":36,"filter_condition":83},"Startprämie","starting_premium",{"label":160,"key":161,"type":67,"active":14},"Gesamtkosten p.M.","total_costs",{"label":163,"key":164,"type":165,"active":14},"Voraussetzungen","kids_requirements","features",{"label":167,"key":168,"type":165,"filterable":14,"active":14},"Besondere Eigenschaften","special_features",{"label":170,"key":171,"type":165},"Besondere Eigenschaften für Kinder","kids_special_features",[173,175],{"label":160,"key":161,"sort":174,"default_sort":15},"asc",{"label":176,"key":59,"sort":177,"default_sort":14},"Testnote","desc","\u003Cp>Quellen: Konditionen-Verzeichnisse und Website-Auskünfte der Anbieter\u003C\u002Fp>\n\u003Cp>Hinweis: Wir können leider keine Gewähr für die Aktualität, Richtigkeit und Vollständigkeit der Informationen auf dieser Seite übernehmen. Auf den Webseiten der entsprechenden Anbieter findest du alle aktuellen Produkt- und Preisinformationen. Die aufgeführten Konditionen im Vergleich beziehen sich auf Neukunden. Wie wir die Punkte für einzelne Konditionen vergeben, findest du in \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vTO1BnWtiMI7OAwsETcXrUro961ZykGFuvwLm1j7ubtqRnKOKsst3aoXvQOF0CuLEPxHEFj8zOCOU2U\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unserer Übersicht\u003C\u002Fa>. Als Highlights heben wir den Testsieger sowie besonders attraktive Angebote (z.B. eine hohe Startprämie) bei Produkten mit der Note „sehr gut“ farblich hervor.\u003C\u002Fp>\n\u003Cp data-pm-slice=\"1 1 []\">*Das ist ein Werbe- oder Affiliate-Link. Wenn du darauf klickst und etwas kaufst oder abschließt, erhalten wir eine Provision. Für dich entstehen dadurch keine Mehrkosten und du unterstützt damit unsere Arbeit. Unsere Produktbewertungen bleiben davon unbeeinflusst. Erfahre hier, \u003Ca href=\"https:\u002F\u002Fwww.finanzfluss.de\u002Fso-verdienen-wir-geld\u002F\">wie wir uns finanzieren\u003C\u002Fa>.\u003C\u002Fp>",[],"0","Beste Kinder-Karte",{"title":183,"slug":184,"date_updated":185,"factsheet":186,"product_selection_title":191,"default_parameters":192,"table_columns":198,"table_sort":250,"disclaimer":178,"award_1_label":253,"award_2_label":254,"award_3_label":255,"award_4_label":254,"user_created":256,"award_1_item":260,"award_2_item":275,"award_3_item":290,"award_4_item":305},"Kreditkarten-Vergleich","kreditkarte","2026-07-09T10:15:16.469Z",[187],{"key":188,"value":189,"icon":190,"label":188},"Befragte Personen","2.106","users","Deine Kreditkarten Auswahl",[193,194,195,196,197],{"title":18,"key":19,"value":20},{"title":22,"key":23,"value":24},{"title":26,"key":27,"value":28},{"title":30,"key":31,"value":20},{"key":33,"value":34,"title":35},[199,201,202,203,204,205,209,211,212,213,215,217,219,223,227,228,231,233,236,238,239,243,244,245,247,248,249],{"label":39,"key":40,"type":41,"active":14,"options":200,"mobile_rank":45},[43,44],{"key":47,"label":48,"active":15,"type":47},{"key":50,"label":51,"type":52,"active":14},{"label":54,"key":55,"type":56,"active":14},{"label":160,"key":161,"type":67,"active":14},{"label":58,"key":59,"type":59,"active":14,"description":206,"options":207,"sortable":14,"sort_options":208},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Wenn du wissen möchtest, wie wir getestet haben, dann kannst du dir \u003Ca href=\"https:\u002F\u002Fdocs.google.com\u002Fspreadsheets\u002Fd\u002Fe\u002F2PACX-1vTO1BnWtiMI7OAwsETcXrUro961ZykGFuvwLm1j7ubtqRnKOKsst3aoXvQOF0CuLEPxHEFj8zOCOU2U\u002Fpub?output=pdf\" target=\"_blank\" rel=\"noopener\">unsere Bewertungskriterien\u003C\u002Fa> ansehen.\u003C\u002Fspan>\u003C\u002Fp>",[],[63],{"label":65,"key":66,"type":67,"active":14,"mobile_rank":68,"sortable":15,"sort_options":210,"description":70},[],{"label":72,"key":73,"type":67,"active":14,"description":74,"mobile_rank":36},{"label":76,"key":77,"type":41,"active":14,"description":78,"mobile_rank":36},{"label":80,"key":214,"type":67,"active":14,"description":84},"card_type_dropdown",{"label":89,"key":90,"type":91,"active":14,"options":216,"description":94},[93],{"label":96,"key":97,"type":91,"active":14,"options":218,"description":99},[93],{"label":220,"key":102,"type":91,"active":14,"options":221,"description":222},"Vollständiger automatischer Ausgleich kostenlos möglich",[93],"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bestenfalls lässt sich eine Kreditkarte automatisch ausgleichen. Manche Kreditkarten lassen sich allerdings nur per Überweisung ausgleichen. Beim Kreditkartentyp Prepaid, Debit und Credit (Charge) ist fast immer der vollständige Ausgleich voreingestellt. Bei einigen Revolving-Kreditkarten kann er zumindest eingestellt werden. Das Ja\u002FNein-Symbol bezieht sich auf den Ausgleich von Kartenzahlungen und Überweisungen. Ob Sollzinsen bei Abhebungen anfallen und nur per Überweisung ausgeglichen werden können, zeigen wir im separaten Feld \"Keine Sollzinsen bei Abhebungen\" an.\u003C\u002Fspan>\u003C\u002Fp>",{"label":109,"key":110,"type":91,"active":14,"options":224,"description":226},[93,112,225],"cross-missing","\u003Cp>Mit einer Kreditkarte kann eine Kaution, z.B. für ein Mietauto, hinterlegt werden. Meist akzeptieren Verleiher ausschließlich echte Kreditkarten. Debit- und Prepaid-Kreditkarten werden teilweise angenommen. Diese eingeschränkte Akzeptanz stellen wir mit einem grauen X dar.\u003C\u002Fp>",{"label":115,"key":116,"type":67,"active":14,"description":117,"mobile_rank":118},{"label":229,"key":230,"type":91,"active":14},"Keine Sollzinsen bei Abhebungen","interest_rate_on_withdrawals",{"label":120,"key":121,"type":67,"active":14,"description":232,"mobile_rank":123},"\u003Cp>\u003Cspan style=\"font-weight: 400;\">Es können zusätzliche Gebühren vom Geldautomatenbetreiber verlangt werden. Achte darauf, ob der Geldautomat ein zusätzliches Entgelt auf dem Display anzeigt.\u003C\u002Fspan>\u003C\u002Fp>",{"label":234,"key":126,"type":67,"active":14,"description":235,"mobile_rank":128},"Gebühr für Zahlung in Fremdwährung","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Bei Kartenzahlung in Fremdwährung können Kosten in Form eines Aufschlags auf den echten Wechselkurs entstehen.\u003C\u002Fspan>\u003C\u002Fp>",{"label":130,"key":131,"type":41,"active":14,"options":237},[133],{"label":135,"key":136,"type":41,"active":14},{"label":240,"key":139,"type":140,"active":14,"description":241,"options":242},"Echtzeit-Support","\u003Cp>\u003Cspan style=\"font-weight: 400;\">Mit Echtzeit-Support ist der Kundenservice per Telefon oder Chat gemeint. Wir zeigen den Support für allgemeine Themen an, eine telefonische Sperrhotline fällt nicht darunter.\u003C\u002Fspan>\u003C\u002Fp>",[],{"label":143,"key":144,"type":67,"active":14,"description":145},{"label":147,"key":148,"type":91,"active":14},{"label":246,"key":151,"type":91,"active":14},"Cashback",{"label":167,"key":168,"type":165,"filterable":14,"active":15},{"label":153,"key":154,"type":155,"active":15},{"label":157,"key":158,"type":67,"active":15,"filterable":15,"filter_type":67,"filter_options":36,"filter_condition":83},[251,252],{"label":160,"key":161,"sort":174,"default_sort":15},{"label":176,"key":59,"sort":177,"default_sort":14},"Beste Kreditkarte","75€ Bonus","100€ Bonus",{"first_name":257,"last_name":258,"avatar":259},"Stephan","Kintrup","559880e3-3ca9-4bcb-a46c-037973e6d26c",[261],{"item":262},{"id":263,"label":264,"url":265,"payment_card":266,"provider":270},13,"Bank Norwegian 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data-sheets-root=\"1\">1% (min. 3,50€) Abhebegebühr zzgl. 1,25% Fremdwährungsgebühr\u003C\u002Fspan>\u003C\u002Fp>","\u003Cp>\u003Cspan data-sheets-root=\"1\">BBBank-Junges Konto bis zur Vollendung des 30. 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Lebensjahres, sonst 19,90€\u003C\u002Fspan>\u003C\u002Fp>",[415,508,416],[918],{"feature":919,"neutral":14},"Elternkonto nötig (über 30 Jahre: 2,95€ p.M.)",[415,508,416],"3,14433","3,50€","1,25%","2,25%","1%","https:\u002F\u002Flink.finanzfluss.de\u002Fout\u002Fbbbank-junge-leute-konto","BB Bank Visa BasicCard","9,90€","1% (min. 3,50€)","1% (min. 3,50€) + 1,25%","2025-10-17T14:59:40.302Z",[933,935,937],{"label":364,"logo":934},{"id":366,"filename_download":367},{"label":476,"logo":936},{"id":478,"filename_download":479},{"label":890,"logo":938},{"id":892,"filename_download":893},[940],{"label":375,"logo":941},{"id":377,"filename_download":378},[943,945,947],{"label":381,"logo":944},{"id":383,"filename_download":384},{"label":386,"logo":946},{"id":388,"filename_download":389},{"label":391,"logo":948},{"id":393,"filename_download":394},{"id":950,"label":927,"status":358,"date_updated":36,"date_created":951,"user_created":361,"user_updated":36,"image":952},196,"2025-10-17T14:50:04.414Z",{"id":953,"filename_download":954},"31ce3a77-40aa-4a7a-b047-664588f54132","Visa-BasicCard_freigestellt.png",[956,958,959,960,961,964,966,967,968,969,970,972,974,976,977,979,980,981,982,984,985,986,987,988,989,990,991,992,993,994],{"label":39,"key":40,"type":41,"active":14,"options":957,"mobile_rank":45},[43,44],{"key":47,"label":48,"active":15,"type":47},{"key":50,"label":51,"type":52,"active":14},{"label":54,"key":55,"type":56,"active":14},{"label":58,"key":59,"type":59,"active":14,"description":60,"options":962,"sortable":14,"sort_options":963},[],[63],{"label":65,"key":66,"type":67,"active":14,"mobile_rank":68,"sortable":15,"sort_options":965,"description":70},[],{"label":72,"key":73,"type":67,"active":14,"description":74,"mobile_rank":36},{"label":76,"key":77,"type":41,"active":14,"description":78,"mobile_rank":36},{"label":80,"key":81,"type":67,"active":14,"filterable":14,"filter_type":67,"filter_options":82,"filter_condition":83,"description":84,"mobile_rank":36},{"label":86,"key":87,"type":67,"active":14},{"label":89,"key":90,"type":91,"active":14,"options":971,"description":94},[93],{"label":96,"key":97,"type":91,"active":14,"options":973,"description":99},[93],{"label":101,"key":102,"type":91,"active":14,"options":975,"description":104},[93],{"label":106,"key":107,"type":91,"active":14},{"label":109,"key":110,"type":91,"active":15,"options":978,"description":113},[112,93],{"label":115,"key":116,"type":67,"active":14,"description":117,"mobile_rank":118},{"label":120,"key":121,"type":67,"active":14,"description":122,"mobile_rank":123},{"label":125,"key":126,"type":67,"active":14,"description":127,"mobile_rank":128},{"label":130,"key":131,"type":41,"active":14,"options":983},[133],{"label":135,"key":136,"type":41,"active":14},{"label":138,"key":139,"type":140,"active":14,"description":141},{"label":143,"key":144,"type":67,"active":15,"description":145},{"label":147,"key":148,"type":91,"active":15},{"label":150,"key":151,"type":91,"active":15},{"label":153,"key":154,"type":155,"active":15},{"label":157,"key":158,"type":67,"active":15,"filterable":15,"filter_type":67,"filter_options":36,"filter_condition":83},{"label":160,"key":161,"type":67,"active":14},{"label":163,"key":164,"type":165,"active":14},{"label":167,"key":168,"type":165,"filterable":14,"active":14},{"label":170,"key":171,"type":165},{"blocks":996,"breadcrumbs":1263,"id":1272,"seo":1273,"slug":6,"title":1289,"vgWortUrl":1290},[997,1007,1014,1019,1025,1042,1048,1054,1064,1069,1075,1085,1091,1097,1103,1115,1121,1127,1134,1140,1146,1152,1169,1175,1181,1187,1193,1199,1205,1211,1217,1223,1229,1241,1247],{"innerBlocks":998,"name":999,"postId":1000,"originalContent":1001,"order":1002,"get_parent":1003,"attributes":1004,"dynamicContent":36},[],"core\u002Fheading",3101559,"\u003Ch2>Die besten Kinderkreditkarten\u003C\u002Fh2>",0,{},{"content":1005,"level":118,"anchor":1006},"Die besten Kinderkreditkarten","",{"innerBlocks":1008,"name":1009,"postId":1000,"originalContent":1010,"get_parent":1011,"attributes":1012,"dynamicContent":36},[],"core\u002Fparagraph","\u003Cp>Eine Kreditkarte für Kinder ist meist kostenlos oder zumindest vergünstigt. Die besten Kinderkreditkarten bieten DKB, Revolut und Comdirect an – bei allen gibt es keine Kartengebühr.\u003C\u002Fp>",{},{"content":1013,"dropCap":15,"anchor":1006},"Eine Kreditkarte für Kinder ist meist kostenlos oder zumindest vergünstigt. Die besten Kinderkreditkarten bieten DKB, Revolut und Comdirect an – bei allen gibt es keine Kartengebühr.",{"innerBlocks":1015,"name":999,"postId":1000,"originalContent":1016,"get_parent":1017,"attributes":1018,"dynamicContent":36},[],"\u003Ch3>DKB Kinder Visa Debitkarte\u003C\u002Fh3>",{},{"content":327,"level":123,"anchor":1006},{"innerBlocks":1020,"name":1009,"postId":1000,"originalContent":1021,"get_parent":1022,"attributes":1023,"dynamicContent":36},[],"\u003Cp>Die DKB bietet für Kinder eine kostenlose Debitkarte zum DKB Kinderkonto an. Besonders vorteilhaft an der Karte ist, dass Kinder, so oft sie möchten, kostenfrei Bargeld abheben können. Da dies sogar weltweit möglich ist und es keine Fremdwährungsgebühr außerhalb der Eurozone gibt, eignet sie sich für Reisen. Eltern können die Ausgaben ihrer Kinder kontrollieren, sofern sie das wünschen.\u003C\u002Fp>",{},{"content":1024,"dropCap":15,"anchor":1006},"Die DKB bietet für Kinder eine kostenlose Debitkarte zum DKB Kinderkonto an. Besonders vorteilhaft an der Karte ist, dass Kinder, so oft sie möchten, kostenfrei Bargeld abheben können. Da dies sogar weltweit möglich ist und es keine Fremdwährungsgebühr außerhalb der Eurozone gibt, eignet sie sich für Reisen. Eltern können die Ausgaben ihrer Kinder kontrollieren, sofern sie das wünschen.",{"innerBlocks":1026,"name":1027,"postId":1000,"originalContent":1006,"saveContent":1006,"get_parent":1028,"attributes":1029},[],"acf\u002Fcta-box-border",{},{"name":1027,"data":1030},{"title":327,"cta_box_border_description":1006,"cta_box_border_list_0_cta_box_border_list_description":1031,"cta_box_border_list_0_cta_box_border_list_icon":1032,"cta_box_border_list_1_cta_box_border_list_description":106,"cta_box_border_list_1_cta_box_border_list_icon":1032,"cta_box_border_list_2_cta_box_border_list_description":1033,"cta_box_border_list_2_cta_box_border_list_icon":1032,"cta_box_border_list_3_cta_box_border_list_description":1034,"cta_box_border_list_3_cta_box_border_list_icon":1032,"cta_box_border_list_4_cta_box_border_list_description":1035,"cta_box_border_list_4_cta_box_border_list_icon":1036,"cta_box_border_list":1037,"cta_box_border_image":1038,"cta_box_border_image_description":1006,"cta_box_border_button_link":1039,"cta_box_border_button_label":1006,"cta_box_border_button_id":1006,"cta_box_border_same_tab":1006,"cta_box_border_image_url":1041},"Karte ist kostenlos","checked","Weltweit kostenfrei Bargeld abheben","Keine Fremdwährungsgebühr","Girokonto notwendig","unchecked",5,3088439,{"title":1006,"url":328,"target":1040},"_blank","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2023\u002F05\u002Fdkb-visa-debitkarte.png",{"innerBlocks":1043,"name":999,"postId":1000,"originalContent":1044,"get_parent":1045,"attributes":1046,"dynamicContent":36},[],"\u003Ch3>Revolut <18 Kreditkarte Standard\u003C\u002Fh3>",{},{"content":1047,"level":123,"anchor":1006},"Revolut <18 Kreditkarte Standard",{"innerBlocks":1049,"name":1009,"postId":1000,"originalContent":1050,"get_parent":1051,"attributes":1052,"dynamicContent":36},[],"\u003Cp>Auch Revolut hat für Kinder eine kostenlose Debitkarte im Angebot. Damit können Kinder monatlich mindestens 100€ gebührenfrei abheben und jeden Monat mindestens 500€ in fremder Währung entgeltfrei bezahlen. Wenn ein Elternteil statt des kostenlosen Standard-Abos ein kostenpflichtiges Abo hat, erhöhen sich die Grenzen je nach Abo-Modell. Um die Kinder beim Umgang mit der Kreditkarte zu begleiten, können die Eltern die Ausgaben der Kinder kontrollieren. Für den Versand der Karte entfällt allerdings eine einmalige Gebühr in Höhe von 7,99€.\u003C\u002Fp>",{},{"content":1053,"dropCap":15,"anchor":1006},"Auch Revolut hat für Kinder eine kostenlose Debitkarte im Angebot. Damit können Kinder monatlich mindestens 100€ gebührenfrei abheben und jeden Monat mindestens 500€ in fremder Währung entgeltfrei bezahlen. Wenn ein Elternteil statt des kostenlosen Standard-Abos ein kostenpflichtiges Abo hat, erhöhen sich die Grenzen je nach Abo-Modell. Um die Kinder beim Umgang mit der Kreditkarte zu begleiten, können die Eltern die Ausgaben der Kinder kontrollieren. Für den Versand der Karte entfällt allerdings eine einmalige Gebühr in Höhe von 7,99€.",{"innerBlocks":1055,"name":1027,"postId":1000,"originalContent":1006,"saveContent":1006,"get_parent":1056,"attributes":1057},[],{},{"name":1027,"data":1058},{"title":650,"cta_box_border_description":1006,"cta_box_border_list_0_cta_box_border_list_description":1031,"cta_box_border_list_0_cta_box_border_list_icon":1032,"cta_box_border_list_1_cta_box_border_list_description":106,"cta_box_border_list_1_cta_box_border_list_icon":1032,"cta_box_border_list_2_cta_box_border_list_description":1059,"cta_box_border_list_2_cta_box_border_list_icon":1032,"cta_box_border_list_3_cta_box_border_list_description":1060,"cta_box_border_list_3_cta_box_border_list_icon":1032,"cta_box_border_list_4_cta_box_border_list_description":1061,"cta_box_border_list_4_cta_box_border_list_icon":1036,"cta_box_border_list_5_cta_box_border_list_description":1035,"cta_box_border_list_5_cta_box_border_list_icon":1036,"cta_box_border_list":630,"cta_box_border_image":1062,"cta_box_border_image_description":1006,"cta_box_border_button_link":1006,"cta_box_border_button_label":1006,"cta_box_border_button_id":1006,"cta_box_border_same_tab":1006,"cta_box_border_image_url":1063},"Weltweit 100€ p.M. kostenfrei Bargeld abheben","Bis 500€ p.M. keine Fremdwährungsgebühr","Einmalige Versandkosten in Höhe von 7,99€",3101928,"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2025\u002F10\u002Frevolut-18-kreditkarte-standard.png",{"innerBlocks":1065,"name":999,"postId":1000,"originalContent":1066,"get_parent":1067,"attributes":1068,"dynamicContent":36},[],"\u003Ch3>Comdirect Junior Visa Debitkarte\u003C\u002Fh3>",{},{"content":468,"level":123,"anchor":1006},{"innerBlocks":1070,"name":1009,"postId":1000,"originalContent":1071,"get_parent":1072,"attributes":1073,"dynamicContent":36},[],"\u003Cp>Mit der kostenlosen Comdirect Junior Visa Debitkarte können Kinder dreimal im Monat kostenfrei Bargeld abheben. Um die Karte zu erhalten, ist ein Comdirect Girokonto nötig. Die Ausgaben können die Eltern wie auch bei den anderen Karten einsehen. Für Reisen ist zu bedenken, dass außerhalb der Eurozone eine Fremdwährungsgebühr anfällt.\u003C\u002Fp>",{},{"content":1074,"dropCap":15,"anchor":1006},"Mit der kostenlosen Comdirect Junior Visa Debitkarte können Kinder dreimal im Monat kostenfrei Bargeld abheben. Um die Karte zu erhalten, ist ein Comdirect Girokonto nötig. Die Ausgaben können die Eltern wie auch bei den anderen Karten einsehen. Für Reisen ist zu bedenken, dass außerhalb der Eurozone eine Fremdwährungsgebühr anfällt.",{"innerBlocks":1076,"name":1027,"postId":1000,"originalContent":1006,"saveContent":1006,"get_parent":1077,"attributes":1078},[],{},{"name":1027,"data":1079},{"title":468,"cta_box_border_description":1006,"cta_box_border_list_0_cta_box_border_list_description":1031,"cta_box_border_list_0_cta_box_border_list_icon":1032,"cta_box_border_list_1_cta_box_border_list_description":106,"cta_box_border_list_1_cta_box_border_list_icon":1032,"cta_box_border_list_2_cta_box_border_list_description":1080,"cta_box_border_list_2_cta_box_border_list_icon":1032,"cta_box_border_list_3_cta_box_border_list_description":1081,"cta_box_border_list_3_cta_box_border_list_icon":1036,"cta_box_border_list_4_cta_box_border_list_description":1035,"cta_box_border_list_4_cta_box_border_list_icon":1036,"cta_box_border_list":1037,"cta_box_border_image":1082,"cta_box_border_image_description":1006,"cta_box_border_button_link":1083,"cta_box_border_button_label":1006,"cta_box_border_button_id":1006,"cta_box_border_same_tab":1006,"cta_box_border_image_url":1084},"3x in Euro kostenfrei Bargeld abheben","1,75% Fremdwährungsgebühr",3101929,{"title":1006,"url":467,"target":1040},"https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2025\u002F10\u002Fcomdirect-junior-visa-debitkarte.jpeg",{"innerBlocks":1086,"name":999,"postId":1000,"originalContent":1087,"get_parent":1088,"attributes":1089,"dynamicContent":36},[],"\u003Ch2>Was ist eine Kinderkreditkarte und wie funktioniert sie?\u003C\u002Fh2>",{},{"content":1090,"level":118,"anchor":1006},"Was ist eine Kinderkreditkarte und wie funktioniert sie?",{"innerBlocks":1092,"name":1009,"postId":1000,"originalContent":1093,"get_parent":1094,"attributes":1095,"dynamicContent":36},[],"\u003Cp>Eine Kinderkreditkarte ist eine Bezahlkarte, mit der bargeldlos bezahlt und Geld abgehoben werden kann. Damit sich Kinder nicht verschulden, erhalten sie allerdings Prepaid- und Debitkarten. Erst wenn sie mit 18 Jahren voll geschäftsfähig sind, können sie eine echte Kreditkarte mit Kreditrahmen bekommen.\u003C\u002Fp>",{},{"content":1096,"dropCap":15,"anchor":1006},"Eine Kinderkreditkarte ist eine Bezahlkarte, mit der bargeldlos bezahlt und Geld abgehoben werden kann. Damit sich Kinder nicht verschulden, erhalten sie allerdings Prepaid- und Debitkarten. Erst wenn sie mit 18 Jahren voll geschäftsfähig sind, können sie eine echte Kreditkarte mit Kreditrahmen bekommen.",{"innerBlocks":1098,"name":1009,"postId":1000,"originalContent":1099,"get_parent":1100,"attributes":1101,"dynamicContent":36},[],"\u003Cp>Prepaid- und Debitkarten haben gemeinsam, dass es keinen Kredit gibt. Sie nutzen beide meist das Bezahlsystem Mastercard oder Visa. Hinsichtlich bargeldlosem Bezahlen oder Geldabheben unterscheiden sie sich auch nicht. Der Unterschied ist: Eine Prepaidkarte muss aufgeladen werden, während eine Debitkarte mit einem Bankkonto verbunden ist, von welchem die Beträge direkt abgebucht werden. Karten mit dem Prepaid-Prinzip müssen vor Gebrauch aufgeladen werden. Es funktioniert ähnlich wie beim Gutschein. Da man die Karte nur im Guthaben führen kann, spricht man auch von einer Guthabenkarte. Ein Girokonto ist bei einer Prepaidkarte in der Regel nicht nötig.\u003C\u002Fp>",{},{"content":1102,"dropCap":15,"anchor":1006},"Prepaid- und Debitkarten haben gemeinsam, dass es keinen Kredit gibt. Sie nutzen beide meist das Bezahlsystem Mastercard oder Visa. Hinsichtlich bargeldlosem Bezahlen oder Geldabheben unterscheiden sie sich auch nicht. Der Unterschied ist: Eine Prepaidkarte muss aufgeladen werden, während eine Debitkarte mit einem Bankkonto verbunden ist, von welchem die Beträge direkt abgebucht werden. Karten mit dem Prepaid-Prinzip müssen vor Gebrauch aufgeladen werden. Es funktioniert ähnlich wie beim Gutschein. Da man die Karte nur im Guthaben führen kann, spricht man auch von einer Guthabenkarte. Ein Girokonto ist bei einer Prepaidkarte in der Regel nicht nötig.",{"innerBlocks":1104,"name":1105,"postId":1000,"originalContent":1006,"saveContent":1006,"get_parent":1106,"attributes":1107},[],"acf\u002Fdashed-card",{},{"name":1105,"data":1108},{"color":1109,"title":1110,"description":1111,"emoji":1112,"link":1113,"button_text":1114},"orange","Kinderkonto-Vergleich","Wenn du für dein Kind ein Girokonto suchst, findest du in unserem Kinderkonto-Vergleich die besten Konten.","👛","\u002Fvergleich\u002Fgirokonto\u002Fkinder-jugendkonto\u002F","Zum Vergleich",{"innerBlocks":1116,"name":999,"postId":1000,"originalContent":1117,"get_parent":1118,"attributes":1119,"dynamicContent":36},[],"\u003Ch2>Die wichtigsten Kriterien im Kinderkreditkarten-Vergleich\u003C\u002Fh2>",{},{"content":1120,"level":118,"anchor":1006},"Die wichtigsten Kriterien im Kinderkreditkarten-Vergleich",{"innerBlocks":1122,"name":1009,"postId":1000,"originalContent":1123,"get_parent":1124,"attributes":1125,"dynamicContent":36},[],"\u003Cp>Zu den wichtigsten Kriterien für den Kinderkreditkarten-Vergleich gehören u.a. das Mindestalter für den Abschluss, die Gebühren und die Kontrollfunktion für Eltern.\u003C\u002Fp>",{},{"content":1126,"dropCap":15,"anchor":1006},"Zu den wichtigsten Kriterien für den Kinderkreditkarten-Vergleich gehören u.a. das Mindestalter für den Abschluss, die Gebühren und die Kontrollfunktion für Eltern.",{"innerBlocks":1128,"name":1129,"postId":1000,"originalContent":1130,"get_parent":1131,"attributes":1132,"dynamicContent":36},[],"core\u002Flist","\u003Cul>\u003Cli>\u003Cstrong>Mindestalter:\u003C\u002Fstrong> Das Mindestalter gibt an, ab wann die Karte erhältlich ist, und hängt von der Bank ab. Manche Karten gibt es ab der Geburt. Häufig können Kinder ab sieben oder zwölf Jahren eine Kinderkreditkarte mit dem Einverständnis der Eltern beantragen.\u003C\u002Fli>\u003Cli>\u003Cstrong>Kosten und Gebühren: \u003C\u002Fstrong>Kreditkarten sind für Kinder meist günstiger als für Erwachsene. Typische Kosten sind die Gebühr für die Karte sowie für das Abheben von Bargeld, ein nötiges Girokonto und eine Fremdwährungsgebühr. Für Prepaidkarten sind die Gebühren in der Regel höher als für Debitkarten.\u003C\u002Fli>\u003Cli>\u003Cstrong>Sicherheit und Kontrollfunktionen für Eltern: \u003C\u002Fstrong>Eltern können die Ausgaben fast immer im Online Banking einsehen und kontrollieren. Falls die Karte verloren oder gestohlen wird, kannst du sie telefonisch sperren. Nutze dafür die zentrale Notrufnummer 116 116 oder melde dich bei deiner Bank. Bei manchen Anbietern ist es auch möglich, die Karte in der App zu sperren. Solange die Karte nicht gesperrt ist, haftest du bis maximal 50€. Dies setzt jedoch voraus, dass du nicht fahrlässig gehandelt hast.\u003C\u002Fli>\u003Cli>\u003Cstrong>Akzeptanzstellen: \u003C\u002Fstrong>Wie gut die Akzeptanz der Karte ist, hängt vom Bezahlsystem ab. Die Bezahlsysteme Mastercard und Visa werden weltweit akzeptiert und es gibt eine Vielzahl von Akzeptanzstellen.\u003C\u002Fli>\u003Cli>\u003Cstrong>Zusatzleistungen: \u003C\u002Fstrong>Das Angebot kann durch Zusatzleistungen wie eine umfassende App mit guter Übersicht und vielen Einstellungsmöglichkeiten ergänzt werden. So können etwa Budgets oder Sparziele festgelegt werden.\u003C\u002Fli>\u003C\u002Ful>",{},{"ordered":15,"values":1133,"anchor":1006},"\u003Cli>\n\u003Cstrong>Mindestalter:\u003C\u002Fstrong> Das Mindestalter gibt an, ab wann die Karte erhältlich ist, und hängt von der Bank ab. Manche Karten gibt es ab der Geburt. Häufig können Kinder ab sieben oder zwölf Jahren eine Kinderkreditkarte mit dem Einverständnis der Eltern beantragen.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Kosten und Gebühren: \u003C\u002Fstrong>Kreditkarten sind für Kinder meist günstiger als für Erwachsene. Typische Kosten sind die Gebühr für die Karte sowie für das Abheben von Bargeld, ein nötiges Girokonto und eine Fremdwährungsgebühr. Für Prepaidkarten sind die Gebühren in der Regel höher als für Debitkarten.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Sicherheit und Kontrollfunktionen für Eltern: \u003C\u002Fstrong>Eltern können die Ausgaben fast immer im Online Banking einsehen und kontrollieren. Falls die Karte verloren oder gestohlen wird, kannst du sie telefonisch sperren. Nutze dafür die zentrale Notrufnummer 116 116 oder melde dich bei deiner Bank. Bei manchen Anbietern ist es auch möglich, die Karte in der App zu sperren. Solange die Karte nicht gesperrt ist, haftest du bis maximal 50€. Dies setzt jedoch voraus, dass du nicht fahrlässig gehandelt hast.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Akzeptanzstellen: \u003C\u002Fstrong>Wie gut die Akzeptanz der Karte ist, hängt vom Bezahlsystem ab. Die Bezahlsysteme Mastercard und Visa werden weltweit akzeptiert und es gibt eine Vielzahl von Akzeptanzstellen.\u003C\u002Fli>\u003Cli>\n\u003Cstrong>Zusatzleistungen: \u003C\u002Fstrong>Das Angebot kann durch Zusatzleistungen wie eine umfassende App mit guter Übersicht und vielen Einstellungsmöglichkeiten ergänzt werden. So können etwa Budgets oder Sparziele festgelegt werden.\u003C\u002Fli>",{"innerBlocks":1135,"name":999,"postId":1000,"originalContent":1136,"get_parent":1137,"attributes":1138,"dynamicContent":36},[],"\u003Ch2>Vor- und Nachteile einer Kreditkarte für Kinder\u003C\u002Fh2>",{},{"content":1139,"level":118,"anchor":1006},"Vor- und Nachteile einer Kreditkarte für Kinder",{"innerBlocks":1141,"name":1009,"postId":1000,"originalContent":1142,"get_parent":1143,"attributes":1144,"dynamicContent":36},[],"\u003Cp>Eine Kreditkarte hat eine Reihe von Vorteilen. Sie unterstützt die finanzielle Bildung, indem Kinder den Umgang mit Geld sowie das bargeldlose Bezahlen frühzeitig lernen. Die Karte ermöglicht es Kindern zudem, bequem zu bezahlen. Um Kinder beim Umgang mit Geld nicht allein zu lassen, gibt es für Eltern Kontrollmöglichkeiten: So können sie Ausgaben einsehen und Limits einstellen. Da Kinder nur Debit- und Prepaidkarten erhalten, ist eine Überschuldung ausgeschlossen. Falls die Karte verloren geht und nicht grob fahrlässig gehandelt wurde, haftet man selbst maximal mit 50€. Ein weiterer Vorteil ist die hohe Akzeptanz. Kreditkartenanbieter wie Mastercard und Visa werden weltweit akzeptiert. Auf diese Weise ist es möglich, fast überall mit Karte zu bezahlen oder Bargeld an vielen Stellen abzuheben.\u003C\u002Fp>",{},{"content":1145,"dropCap":15,"anchor":1006},"Eine Kreditkarte hat eine Reihe von Vorteilen. Sie unterstützt die finanzielle Bildung, indem Kinder den Umgang mit Geld sowie das bargeldlose Bezahlen frühzeitig lernen. Die Karte ermöglicht es Kindern zudem, bequem zu bezahlen. Um Kinder beim Umgang mit Geld nicht allein zu lassen, gibt es für Eltern Kontrollmöglichkeiten: So können sie Ausgaben einsehen und Limits einstellen. Da Kinder nur Debit- und Prepaidkarten erhalten, ist eine Überschuldung ausgeschlossen. Falls die Karte verloren geht und nicht grob fahrlässig gehandelt wurde, haftet man selbst maximal mit 50€. Ein weiterer Vorteil ist die hohe Akzeptanz. Kreditkartenanbieter wie Mastercard und Visa werden weltweit akzeptiert. Auf diese Weise ist es möglich, fast überall mit Karte zu bezahlen oder Bargeld an vielen Stellen abzuheben.",{"innerBlocks":1147,"name":1009,"postId":1000,"originalContent":1148,"get_parent":1149,"attributes":1150,"dynamicContent":36},[],"\u003Cp>Andererseits kann eine Kinderkreditkarte auch mit Nachteilen verbunden sein. Bargeld kann insbesondere für jüngere Kinder übersichtlicher sein. Zudem können Gebühren für die Karte und deren Nutzung entstehen. Je nach Angebot ist es allerdings möglich, für Karte, Bargeld und Fremdwährung keine Gebühren zu bezahlen. Ein weiterer möglicher Nachteil kann darin bestehen, dass die Eltern bei der entsprechenden Bank ein Konto benötigen.\u003C\u002Fp>",{},{"content":1151,"dropCap":15,"anchor":1006},"Andererseits kann eine Kinderkreditkarte auch mit Nachteilen verbunden sein. Bargeld kann insbesondere für jüngere Kinder übersichtlicher sein. Zudem können Gebühren für die Karte und deren Nutzung entstehen. Je nach Angebot ist es allerdings möglich, für Karte, Bargeld und Fremdwährung keine Gebühren zu bezahlen. Ein weiterer möglicher Nachteil kann darin bestehen, dass die Eltern bei der entsprechenden Bank ein Konto benötigen.",{"innerBlocks":1153,"name":1154,"postId":1000,"originalContent":1006,"saveContent":1006,"get_parent":1155,"attributes":1156},[],"acf\u002Fpros-cons",{},{"name":1154,"data":1157},{"pros_cons_title":1158,"pros_cons_pros_0_pros_cons_pros_description":1159,"pros_cons_pros_1_pros_cons_pros_description":1160,"pros_cons_pros_2_pros_cons_pros_description":1161,"pros_cons_pros_3_pros_cons_pros_description":1162,"pros_cons_pros_4_pros_cons_pros_description":1163,"pros_cons_pros_5_pros_cons_pros_description":1164,"pros_cons_pros_6_pros_cons_pros_description":1165,"pros_cons_pros":341,"pros_cons_cons_0_pros_cons_cons_description":1166,"pros_cons_cons_1_pros_cons_cons_description":1167,"pros_cons_cons_2_pros_cons_cons_description":1168,"pros_cons_cons":123},"Vor- & Nachteile von Kinderkreditkarten","Finanzielle Bildung","Bequemes Zahlungsmittel","Kostenkontrolle für Eltern","Keine Überschuldung möglich","Begrenzte Haftung","Hohe Akzeptanz","Hohe Verfügbarkeit von Bargeld","Bargeld, insbesondere für jüngere Kinder, übersichtlicher","Gebühren für Karte, Bargeld, Fremdwährung","je nach Anbieter Konto der Eltern nötig",{"innerBlocks":1170,"name":999,"postId":1000,"originalContent":1171,"get_parent":1172,"attributes":1173,"dynamicContent":36},[],"\u003Ch2>Ab welchem Alter ist eine Kinderkreditkarte sinnvoll?\u003C\u002Fh2>",{},{"content":1174,"level":118,"anchor":1006},"Ab welchem Alter ist eine Kinderkreditkarte sinnvoll?",{"innerBlocks":1176,"name":1009,"postId":1000,"originalContent":1177,"get_parent":1178,"attributes":1179,"dynamicContent":36},[],"\u003Cp>Kinder können mit der Kreditkarte den Umgang mit Geld lernen. Mit Karten ab 7 Jahren können sie erste Schritte machen, als Jugendliche mehr Freiheiten erlangen und schließlich als Volljährige ihre Finanzen selbst in die Hand nehmen.\u003C\u002Fp>",{},{"content":1180,"dropCap":15,"anchor":1006},"Kinder können mit der Kreditkarte den Umgang mit Geld lernen. Mit Karten ab 7 Jahren können sie erste Schritte machen, als Jugendliche mehr Freiheiten erlangen und schließlich als Volljährige ihre Finanzen selbst in die Hand nehmen.",{"innerBlocks":1182,"name":999,"postId":1000,"originalContent":1183,"get_parent":1184,"attributes":1185,"dynamicContent":36},[],"\u003Ch3>Karten für Kinder ab 7 Jahren: Der erste Schritt\u003C\u002Fh3>",{},{"content":1186,"level":123,"anchor":1006},"Karten für Kinder ab 7 Jahren: Der erste Schritt",{"innerBlocks":1188,"name":1009,"postId":1000,"originalContent":1189,"get_parent":1190,"attributes":1191,"dynamicContent":36},[],"\u003Cp>Ab 7 Jahren sind Kinder beschränkt geschäftsfähig. Sie dürfen ab diesem Alter etwas von ihrem Taschengeld kaufen. Daher können sie ab 7 Jahren den ersten Umgang mit Geld lernen, indem sie erste Ausgaben tätigen. Dies kann sowohl per Karte als auch mit Bargeld geschehen.\u003C\u002Fp>",{},{"content":1192,"dropCap":15,"anchor":1006},"Ab 7 Jahren sind Kinder beschränkt geschäftsfähig. Sie dürfen ab diesem Alter etwas von ihrem Taschengeld kaufen. Daher können sie ab 7 Jahren den ersten Umgang mit Geld lernen, indem sie erste Ausgaben tätigen. Dies kann sowohl per Karte als auch mit Bargeld geschehen.",{"innerBlocks":1194,"name":999,"postId":1000,"originalContent":1195,"get_parent":1196,"attributes":1197,"dynamicContent":36},[],"\u003Ch3>Karten für Jugendliche ab 12 Jahren: Mehr Freiheiten\u003C\u002Fh3>",{},{"content":1198,"level":123,"anchor":1006},"Karten für Jugendliche ab 12 Jahren: Mehr Freiheiten",{"innerBlocks":1200,"name":1009,"postId":1000,"originalContent":1201,"get_parent":1202,"attributes":1203,"dynamicContent":36},[],"\u003Cp>Mit 12 Jahren haben Kinder oftmals erste Erfahrungen im Umgang mit Geld gesammelt und sollen in ihrer Selbstständigkeit gefördert werden. Dafür ist es sinnvoll, gemeinsam Budgets und Sparziele zu vereinbaren. Im Online-Banking können die Ausgaben eingesehen werden und erleichtern die Übersicht. Um die Jugendlichen auf das bargeldlose Bezahlen und die digitale Verwaltung der Finanzen vorzubereiten, ist es sinnvoll, die Jugendlichen schrittweise heranzuführen.\u003C\u002Fp>",{},{"content":1204,"dropCap":15,"anchor":1006},"Mit 12 Jahren haben Kinder oftmals erste Erfahrungen im Umgang mit Geld gesammelt und sollen in ihrer Selbstständigkeit gefördert werden. Dafür ist es sinnvoll, gemeinsam Budgets und Sparziele zu vereinbaren. Im Online-Banking können die Ausgaben eingesehen werden und erleichtern die Übersicht. Um die Jugendlichen auf das bargeldlose Bezahlen und die digitale Verwaltung der Finanzen vorzubereiten, ist es sinnvoll, die Jugendlichen schrittweise heranzuführen.",{"innerBlocks":1206,"name":999,"postId":1000,"originalContent":1207,"get_parent":1208,"attributes":1209,"dynamicContent":36},[],"\u003Ch3>Übergang zur Volljährigkeit: Was passiert mit 18?\u003C\u002Fh3>",{},{"content":1210,"level":123,"anchor":1006},"Übergang zur Volljährigkeit: Was passiert mit 18?",{"innerBlocks":1212,"name":1009,"postId":1000,"originalContent":1213,"get_parent":1214,"attributes":1215,"dynamicContent":36},[],"\u003Cp>Ab 18 Jahren können die Kinder ihre Finanzen eigenständig verwalten. Es ist nun für sie möglich, eine echte Kreditkarte zu beantragen. Die Kinderkreditkarten enden meist nicht, sondern werden automatisch umgestellt. Für junge Erwachsene sowie während der Ausbildung oder des Studiums bleiben die Konditionen größtenteils gleich.\u003C\u002Fp>",{},{"content":1216,"dropCap":15,"anchor":1006},"Ab 18 Jahren können die Kinder ihre Finanzen eigenständig verwalten. Es ist nun für sie möglich, eine echte Kreditkarte zu beantragen. Die Kinderkreditkarten enden meist nicht, sondern werden automatisch umgestellt. Für junge Erwachsene sowie während der Ausbildung oder des Studiums bleiben die Konditionen größtenteils gleich.",{"innerBlocks":1218,"name":999,"postId":1000,"originalContent":1219,"get_parent":1220,"attributes":1221,"dynamicContent":36},[],"\u003Ch2>So beantragst du eine Kreditkarte für dein Kind Schritt für Schritt\u003C\u002Fh2>",{},{"content":1222,"level":118,"anchor":1006},"So beantragst du eine Kreditkarte für dein Kind Schritt für Schritt",{"innerBlocks":1224,"name":1009,"postId":1000,"originalContent":1225,"get_parent":1226,"attributes":1227,"dynamicContent":36},[],"\u003Cp>Um eine Kreditkarte für Kinder zu beantragen, sind 3 Schritte nötig.\u003C\u002Fp>",{},{"content":1228,"dropCap":15,"anchor":1006},"Um eine Kreditkarte für Kinder zu beantragen, sind 3 Schritte nötig.",{"innerBlocks":1230,"name":1231,"postId":1000,"originalContent":1006,"saveContent":1006,"get_parent":1232,"attributes":1233},[],"acf\u002Flist-number",{},{"name":1231,"data":1234},{"list_number_0_list_number_description":1235,"list_number_0_list_number_headline":1236,"list_number_1_list_number_description":1237,"list_number_1_list_number_headline":1238,"list_number_2_list_number_description":1239,"list_number_2_list_number_headline":1240,"list_number":123},"Beachte zuerst das Mindestalter, um zu sehen, welche Karten überhaupt infrage kommen. Überlege dann, welche Konditionen dir und deinem Kind wichtig sind. Bei einer Kinderkreditkarte ist die Kontrollfunktion für Eltern insbesondere bei jüngeren Kindern wichtig. Ebenso solltest du die Gebühren im Blick behalten und falls es dir wichtig ist, den Kartentyp und ob ein Girokonto nötig ist.","Das passende Angebot auswählen","Für die Eröffnung wird die Steueridentifikationsnummer deines Kindes benötigt. Zudem ist die Zustimmung der Erziehungsberechtigten erforderlich, da sie bisher nicht voll geschäftsfähig sind. Falls nur ein Erziehungsberechtigter den Antrag unterschreibt, ist die Vollmacht des anderen Erziehungsberechtigten einzuholen.","Notwendige Unterlagen zusammenstellen","Um die Kreditkarte zu erhalten, müssen sich Kind und Eltern bzw. Erziehungsberechtigte legitimieren. Dafür müssen Eltern sich mit ihrem Personalausweis oder Reisepass ausweisen. Kinder müssen diese Dokumente ebenfalls vorlegen, sofern sie vorhanden sind. Andernfalls kann die Identität bei jüngeren Kindern per Geburtsurkunde festgestellt werden. Der Prozess läuft bei Direkt- und Neobanken meist per Post-, Video- oder E-Identverfahren ab. Bei Filialbanken ist dies teilweise nur vor Ort möglich.","Der Legitimationsprozess für Eltern und Kind",{"innerBlocks":1242,"name":999,"postId":1000,"originalContent":1243,"get_parent":1244,"attributes":1245,"dynamicContent":36},[],"\u003Ch2>Häufig gestellte Fragen\u003C\u002Fh2>",{},{"content":1246,"level":118,"anchor":1006},"Häufig gestellte Fragen",{"innerBlocks":1248,"name":1249,"postId":1000,"originalContent":1006,"saveContent":1006,"get_parent":1250,"attributes":1251},[],"acf\u002Faccordion",{},{"name":1249,"data":1252},{"accordion_0_accordion_headline":1253,"accordion_0_accordion_description":1254,"accordion_1_accordion_headline":1255,"accordion_1_accordion_description":1256,"accordion_2_accordion_headline":1257,"accordion_2_accordion_description":1258,"accordion_3_accordion_headline":1259,"accordion_3_accordion_description":1260,"accordion_4_accordion_headline":1261,"accordion_4_accordion_description":1262,"accordion":1037},"Kann mein Kind mit der Karte Schulden machen?","Kinder erhalten keine echte Kreditkarte, daher ist es nicht möglich, Schulden zu machen. Sie erhalten eine Prepaid- oder Debitkarte.","Wie lade ich Guthaben auf die Prepaidkarte?","Eine Prepaidkarte kann je nach Anbieter per Überweisung, Dauerauftrag oder Bargeldeinzahlung auf das Kartenkonto aufgeladen werden.","Kann ich die Nutzung der Karte einschränken?","Eltern können die Nutzung der Kinderkreditkarte überwiegend per App einstellen und einschränken. Sie können dafür beispielsweise Limits festlegen.","Was passiert bei Verlust oder Diebstahl der Karte?","Wenn die Karte verloren oder gestohlen wird, musst du sie sofort sperren. Sofern du nicht grob fahrlässig gehandelt hast, ist die Haftung auf 50€ begrenzt.","Gibt es kostenlose Kinderkreditkarten?","Es gibt eine Reihe von Kinderkreditkarten, die kostenlos sind. Dazu zählen die DKB Kinder Visa Debitkarte, Revolut <18 Kreditkarte Standard, Comdirect Junior Visa Debitkarte und ING Kinder Visa Card.",[1264,1267,1269],{"title":1265,"link":1266},"Vergleich","\u002Fvergleich\u002F",{"title":39,"link":1268},"\u002Fvergleich\u002Fkreditkarte\u002F",{"title":1270,"link":1271},"Kinder","http:\u002F\u002Ffinanzfluss.de\u002Fvergleich\u002Fkreditkarte\u002Fkinder","cG9zdDozMTAxNTU5",{"__typename":1274,"metaDesc":1275,"opengraphType":1276,"opengraphTitle":1277,"opengraphSiteName":1278,"opengraphImage":1279,"metaRobotsNoindex":1286,"metaRobotsNofollow":1287,"opengraphDescription":1275,"opengraphModifiedTime":1288,"opengraphPublishedTime":1006,"twitterTitle":1006,"twitterDescription":1006,"title":1277,"readingTime":630},"PostTypeSEO","Finde die beste Kreditkarte für dein Kind in unserem Vergleich. So lernt dein Kind den verantwortungsvollen Umgang mit Geld.","article","Kinderkreditkarte 07\u002F2026 Vergleich","Finanzfluss",{"__typename":1280,"sourceUrl":1281,"mediaDetails":1282},"MediaItem","https:\u002F\u002Fcontent.finanzfluss.de\u002Fwp-content\u002Fuploads\u002F2025\u002F10\u002Fheader-kreditkarte-kinder.jpg",{"__typename":1283,"width":1284,"height":1285},"MediaDetails",1280,720,"index","follow","2026-04-08T13:10:56+00:00","Kinderkreditkarten-Vergleich 2026","https:\u002F\u002Fvg05.met.vgwort.de\u002Fna\u002F3382e1ab105c489c85ba247d90591ceb","\u002Fvergleich\u002Fkreditkarte\u002Fkinder\u002F","sub-comparison",1784640738666]