Kador Boursorama: Best bank card for minor 

In the event of subscription via the route in the application (eligible for Welcome, ultimous cards with systematic authorization only): the file must be complete and comply with the opening of the bank account via the application. Any incomplete file after 5 working days will have to be redone since the first stage of the subscription route. The first payment must reach Boursorama Banque once the electronic signature of the contract is made and the request for a bank card accepted by Boursorama Banque, to open the right to the payment of the commercial premium.

Freer

Open your account before that of your child by taking advantage of this offer:

For any 1st account opening with a bank card

Conditions details

Offer reserved for adults and capable, and valid for any first effective opening of an individual stock market banking account (excluding Boursorama Banque professional account, excluding specific supply, see tariff brochure) with concomitant bank card request made from 08/01/2023.

The account opening request is reserved for any new customer beneficiary of the “BRS100” commercial offer code.

A bonus of € 20 for the opening of a Boursorama Banque bank account. The sum of € 20 will be credited to the bank account on the day of its effective opening.
And

A premium 80 € for ordering a WELCOME or Ultim bank card: € 80 of premium for any order of WELCOME or Ultim bank card carried out concomitantly at the request for a bank account opening, and accepted by Boursorama Banque. The sum of € 80 will be credited to the bank account on the day of its effective opening subject to acceptance of the bank card application file by Boursorama Banque.
Or
Free of the first 8 contributions for the subscription of the Metal offer: you benefit, in accordance with the price brochure, from the free eight first contributions for the subscription of the concomitant metal offer at the request of opening a first Banking account (tariff in force on 08/01/2023, subject to change of pricing policy by Boursorama), subject to acceptance of your file by Boursorama. A payment of 80 cents will be paid on the same bank account in the 8th month.

In the event of subscription via the route in the application (eligible for Welcome, ultimous cards with systematic authorization only): the file must be complete and comply with the opening of the bank account via the application. Any incomplete file after 5 working days will have to be redone since the first stage of the subscription route. The first payment must reach Boursorama Banque once the electronic signature of the contract is made and the request for a bank card accepted by Boursorama Banque, to open the right to the payment of the commercial premium.

In case of subscription without the application (eligible for Welcome cards, ultimous with systematic authorization only): the file must be complete and conform within two months of the initial request: all supporting documents (outside the first payment, unless the latter is made by check in the event of paper subscription) must be attached before this date. The first payment will have to reach Boursorama Banque no later than 5 working days after receipt of the email which will indicate to the new customer that it can proceed to this first payment to open the right to the payment premium.

Offer limited to a single offer per person and not combined with any other Boursorama Banque offer.

In the event of closing of the customer’s account, either on the initiative of the customer himself, or on the initiative of Boursorama Banque in the event of seriously reprehensible behavior of the customer, during the 24 months following their effective opening, Boursorama Banque reserves the right to deire the amount corresponding to the premium or welcome premiums from which he benefited within the framework of this commercial offer.

Kador Boursorama: Best bank card for minor ?

December 1, 2021, Kador was replaced by the Freedom formula (free and accessible for young people between 12 and 17 years old). The new offer includes a new bank card, an application update and the possibility of obtaining sponsorship premiums.

Of course, Kador customers can always use their card and take advantage of the new features of Boursorama Freedom.

The Boursorama Kador offer is a 100% mobile banking offer that is only addressed to young people aged between 12 and 17. It includes a bank account, a bank card with the possibility of adjusting the ceilings and an application. Above all, the offer Kador Boursorama Banque is free, Without account holding.

The online bank thus offers a means of payment to teach adolescents to manage their account and their expenses in complete. Note that parents, as legal representatives, retain control and look at it. What are these guarantees for parents ? More generally, that minors can do with their Boursorama Kador account ?

With 340,000 accounts For minors, Boursorama has become the first online bank for adolescents. Behind, my French Bank had 280,000 customers at the end of 2020 but his card is not free. Let’s now fall into the details of the Kador card, which has become Freedom.

Characteristics of the Boursorama Kador card

The Kador card is a bank card associated with a current account, only accessible to minors with legal officials customers of the Boursorama Banque. The Boursorama Kador offer is reserved for 12-17 year olds. After 18 years, young customers are going to the classic offer of Boursorama Banque bank cards.

As a reminder, it is possible to obtain a card from 16 years old in France. In other words, before this age, customers will take advantage of their bank account only to make deposits there and open, for example, a young booklet. Withdrawals are possible, but require the authorization (by signature) of legal officials.

A secure and without overdraft card

The Kador Boursorama card is a Visa Classic card to systematic authorization. In other words: before validating an operation, the account balance is questioned. If it turns out to be insufficient, the operation is rejected. It is interesting for the minor and for the parents, the current account cannot fall into the red. Thus, no payment incident fees and no expensive agios to pay.

There is another security with the immediate flow. The account balance is therefore done in real time, unlike delayed flow. Thus, the adolescent as his officials can know the real amount remaining on the account in real time.

The Visa Kador Boursorama card allows you to pay without contact, thanks to NFC technology (amount limited to 20 euros). That said, as with conventional cards, the option can be deactivated to avoid problems in the event of flight or payment without fraudulent contact in public transport for example. The option can be deactivated from the customer area.

A free visa bank card

Above all, the bank card Kador de Boursorama is free, Without barriers to the entrance. The Kador offer does not take any account holding costs or movement commissions. Withdrawal and payment operations in France and euros are also free. This does not change on the new Freedom Boursorama card.

Regarding bank charges abroad, payments are completely free. On the other hand, the cost of a retail withdrawal amounts to 1.94% of the amount of the operation. Policy does not change on the Freedom card.

One of the additional expenses you may meet is about a replacement of a Kador card before it expiration date. Boursorama invoices 10 euros to its customers, in all and for everything.

Visa Kador Boursorama Visa Kador Bank Card

The Kador card ceilings are as follows:

• Payment : from € 200 to 2000 € (over 30 sliding days)
• Withdrawal : from € 100 to 500 € (7 sliding days)

How to increase the ceiling of payments and withdrawals of the Kador card ? To carry out this operation, you must address as a legal manager of the minor account holder. The latter cannot modulate his bank card since the application. An agreement of its legal officials is required for safety.

To modify the ceiling of the Kador card, the legal representative goes through the customer area by going to the “My bank card” section. The change is free, unconditionally, and immediately effective.

Services associated with Boursorama Kador

With the opening of an account for minor Kador Boursorama, the holder accesses all the banking services of the online bank. Same thing with the features on the mobile application to learn to manage your money independently. You can learn more in our online banks comparison.

Manage your budget from the mobile application

As a mobile bank, most of the Kador account control and the associated card are carried out with the application or the customer area on the website. With his space, the account holder can:

• access the balance of your account and the latest operations in progress;
• classify your expenses by categories and in a fun way, by associating a comment and an image with its operations;
• Consult its bank details (RIB/IBAN) and transmit them from the app via email, SMS, WhatsApp, etc.

Since December 1, 2021, Kador and Freedom customers can configure push notifications on their smartphone during each operation. SMS transfers are also available.

Simplify your daily life thanks to multiple features

The financial application guides the subscriber of the Kador Boursorama offer in his daily choices with Several well thought out features. It is with them that Boursorama is distinguished in particular from competition. As you will be able to discover, these little more of the application solve problems that many holders had so far. Thus, it is possible to:

• request the functionality “quickly ! I need money “which allows the minor to instantly ask his parents money if necessary;
• personalize SMS alerts on balance and account movement (to be warned if the balance is close to 0 or if a credit balance has just arrived);
• find in one click its bank details (RIB/IBAN) by a shortcut on the application

A 100% secure environment

Online bank highlights a solution perfectly secure for minors. The identification with the mobile application is done thanks to the entry of a password or the biometric authentication of its smartphone (by fingerprint or facial recognition according to your smartphone).

Boursorama Banque integrates the Trusteer report of IBM in order to preserve itself from malicious software and Risks of bank fraud. To this maximum guarantee is added the absence of a possible bank overdraft (systematic authorization card). In addition, the Kador Boursorama card holder benefits from free insurance related to his Visa Classic card.

Parents control on the Kador account

Parents generally wish to be reassured about the freedom offered to their children to have a Kador Boursorama bank account. Legal representatives of the minor can leave the autonomous holder without however defending any control access. Indeed, with Boursorama Kador, parents and other legal managers may have hands on the bank account From their customer area. Here is a list of their abilities.

Manage ceilings and payments

They can in particular customize the withdrawal and payment ceilings for free and instantly. This modulation is done to the nearest euro, upward or downwards, depending on the adolescent’s punctual needs. Parents feed the Kador Boursorama account with instant transfers from their Boursorama Bank bank account. Ditto with digital checks discounts.

Opposition in the event of theft or loss of the Kador card

Still from the customer area, parents can oppose the Kador bank card in the event of loss or theft. If in doubt, it is possible to protect the card simply by moving the entire funds to the main account of the legal manager. Explicit functionality “quickly ! I block my CB ”is another alternative in order to block or unlock the means of payment temporarily.

Consult the balance in real time

Legal representatives have the possibility of Consult, in real time, payment notices issued with the Kador Boursorama card, and the forecast balance. The latter takes into account all the operations in progress, which makes it possible to avoid all unpleasant surprises. Let us recall here that the Boursorama bank card is at systematic authorization of the balance balance. If its amount is insufficient compared to the amount desired during a withdrawal or payment, the operation is not validated. To be known live from the expenses of their children, parents can also configure SMS alerts.

What can a minor of his Kador account do ?

The Kador Boursorama offer is intended for 12-17 year olds. This is an opportunity to come back to what a minor can or cannot do legally within the framework of a bank account. We will also talk about the possibilities of outlets at Boursorama Banque when the holder of the account celebrates his 18th birthday.

From birth to 12 years old

Parents can open a bank account (or a Boursorama booklet) on behalf of their child, from birth. The child obviously does not have to give his agreement until the age of 12. Parents are always responsible for funds and banking operations. They are also responsible for the debts of their minor child until their majority.

Between 12 and 16 years old

From the age of 12, a child has the opportunity to ask himself to open to a young booklet with the agreement of his parents. The child can now make deposits or withdrawals for example on his Kador Boursorama account. Note that for withdrawals, the signature of parents is compulsory. The latter have the right to use funds, provided that money is used for children’s expenses (education, maintenance, etc.)).

From 16 years old

At his 16th anniversary, the minor can decide to open a bank account bank card (and a checkbook). Thanks to this means of payment, he has his money at his convenience. Parents can always use funds under the same conditions as before. Except that they must provide supporting documents to the child holder of the Boursorama Kador account of this good use.

After 18 years

Boursorama Banque offers its Kador card to minors. Then they will have to go to another offer. To fully understand how it goes, here is a small report. First, the Kador card is valid Until the second month After the 18th anniversary of the holder. This date has passed that its expiration date will be valid. Boursorama Banque takes care to alert the holder and his legal manager to prepare for administrative papers according to the majority in a bank.

Thus, by signing a new contract, providing its identity document and by ordering a new bank card among the three cards offered by Boursorama (Welcome, Ultim, Metal), the Kador account holder will be able to automatically switch to the new offer without extra time. The transfer of funds to the new account is also automatic.

Open a Kador Boursorama account

To subscribe to Kador Boursorama, everything takes place online since the procedure is fully dematerialized. Here are the steps to follow:

• fill out the online membership form;
• Send supporting documents via your mobile by scan or photography:
  • Recto/back of the national identity card or passport
  • Copy of the family booklet, essentially pages relating to information on the child and parents, or the birth certificate dated less than three months

  The online bank then checks identities to validate or invalidate the file. If necessary, the minor holder of the Kador of Boursorama account recovers his bank card. The last step is to activate the payment method from the mobile banking application to download.

  

  Opinion on the Kador Boursorama Banque offer

  Boursorama Banque is one of the few online banks to offer a specific offer for 12-17 year olds, including an account, a bank card and a mobile application. Especially since this formula is free, without account holding costs and without barriers at the entrance (outside of age).

  On December 1, 2021, Kador became the offer Freedom Boursorama. The design of the card is modified, but it remains free and international, with a level of insurance and assistance of Visa Classic level. New features are available and the application interface is closer to that of adults.

  The young man manages his money easily and safely from the application compatible with Android and iOS. He also benefits from free payments abroad if he travels as well as standard coverage of a classic visa for insurance and assistance.

  Parents are just as reassured through their access to the Kador Boursorama account from their customer area, balance alerts and customizable ceilings. They can supply the account with regular transfers or, at the last minute, following the request of their child via the functionality “quickly ! I need money “. All, without forgetting that the Kador card is an immediate debit payment card and systematic authorization.

  Good to know : Boursorama Banque offers other banking products for minor children. We can cite in particular the booklet a young, the account on young booklet and minor life insurance.

  And after his 18th birthday ? Logically, the online bank customer no longer has access to the Kador offer. What become of funds ? They are transferred. The Customer, now major, first chooses his new bank account and his Boursorama bank card (Welcome, Ultim, Metal). Then he alone can access and use the application from his customer area. Previously, he must validate all the procedures related to his majority passage.