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New Notification in the Nubank App Highlights the Account for Under 18s, Allowing Kids Aged 6 to 17 to Use Pix, Caixinhas, Debit Card, and Gift Cards, Organize Financial Goals, Withdraw Cash, and Learn About Money with Parental Supervision in Real-Time on Their Phones.
Nubank has started highlighting a notification within the app inviting parents to learn about the account for those under 18, created for children and teenagers aged 6 to 17. The idea is to modernize and control the relationship with pocket money, placing the children’s financial journey within Nubank’s digital ecosystem.
In practice, the message paves the way for a benefit that Nubank itself treats as special: an account in the child’s name, with Pix, debit card, Caixinhas, and full monitoring by guardians, all concentrated in one app. At the same time, the bank reinforces the discourse of early financial education, in an environment protected by LGPD regulations.
What Is the Nubank Account for Under 18s?
The Nubank account for under 18s is designed specifically for children and teens aged 6 to 17, always with the mediation of a guardian.
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For this account to exist, it is mandatory that the father, mother, or legal guardian is already a Nubank customer and makes the request through the app.
According to the bank, the proposal is simple: to offer young people almost everything that already exists in the adult Nubank account, but with clear limits and supervision tools for parents.
Thus, the teenager gets used to seeing balances, transactions, and financial goals, without having access to credit that could lead to debts in their name.
What Changes with the New Notification in the Nubank App
In compliance with the General Data Protection Law, Nubank does not know which of its customers have children aged 6 to 17.
Therefore, the bank chose to display in the app a option to open an account for adolescents, which may appear even for those without children in that age group.
In practice, this means more people are being introduced to the benefit. The notification acts as a showcase: in just a few taps, the customer understands that Nubank offers a specific account for minors, with features designed for financial education and family control.
Those without children in this age group can simply ignore the message.
How the Nubank Account for Children and Adolescents Works
The Nubank account for under 18s replicates most functions of the traditional account.
Young people can:
- Make and receive transfers using Pix
- Send and receive free TEDs or transfers between Nubank accounts
- Recharge mobile phones directly through the app
- Make online purchases with the virtual debit card
- Withdraw cash at ATMs in the Banco24Horas, Tecban, and Saque e Pague networks
- Activate Street Mode to increase protection in case of cell phone theft
- Buy gift cards at a discount for selected brands in games, food, toys, and transportation
- Use the same basic features of the Nubank account, adapted to the reality of minors
All of this occurs within an environment where financial limits come from the available balance and choices made in tandem with guardians, with no credit card bill in the young person’s name.
Nubank Advantages for Parents: Total Control Through the App
On the parents’ side, the great differential is the Parental Control, an exclusive tool for the adult who opened the account for the minor. Through it, it is possible to:
- View the complete transaction history of the child’s account
- Monitor incoming and outgoing funds
- Check expenses made with the debit card
- Track gift card purchases
- View balance and movement of Caixinhas
- Receive notifications whenever the child sends or receives a Pix or makes a transaction
Only the guardian who created the account for the minor has access to this Parental Control panel. All information is concentrated in one place, within the Nubank app, which reduces the need to request statements or constantly check the child’s phone.
Caixinhas, RDB, and Gift Cards in Children’s Routine
One of the central points of Nubank’s strategy is to use the account itself as a practical tool for financial education. For this, Caixinhas for those under 18 come into play.
In the child version, Caixinhas allow young people to:
- Set specific goals, such as buying a game, a toy, or saving for a trip
- Establish a deadline and amount for each goal
- Separate money from the checking account into “caixinhas” with names and purposes
For this audience, Caixinhas exclusively use Nubank’s RDB, which earns 100% of the CDI and has the protection of the Credit Guarantee Fund.
The flow of creating a Caixinha is the same as the traditional account, which helps young people understand from an early age that saving money for a goal is different from spending the available balance.
Gift cards are an additional component. Instead of releasing a credit card, Nubank allows young people to purchase credits at a discount for use in game, toy, food, and transportation apps, always using the balance from the account.
This creates a controlled consumption experience, without the risk of debt from revolving credit.
Step-by-Step to Request a Nubank Account for Your Child
To open the Nubank account for minors under 18, the process always starts with the legal guardian. It is necessary to:
- Open the Nubank app and tap on the profile picture
- Select the option “Create Account for Children”
- Read the information presented and tap “Continue”
- Fill in the child or teenager’s details: full name, CPF, email, and date of birth
- Read and accept the account contract
- Enter the 4-digit password to confirm the account opening
After that, the young person receives an invitation via email, downloads the Nubank app on their own phone, and follows the instructions to complete the registration.
Depending on the age, the bank recommends that parents supervise the entire process.
The account approval may take a few days, as Nubank reviews the registrations before granting access. As soon as everything is approved, the family receives confirmation by email.
Debit and Credit Cards: What Each Age Can Have
In the Nubank account for under 18s, the card released for the teenager is only the debit card.
It can be requested by the young person themselves within the app if it has not yet been requested during the account opening. The process is simple:
- Open the Nubank app
- Tap on “Debit Function”
- Select “Request Debit Function”
The physical card is issued and sent within the timeframe specified by the app.
The credit card follows a different logic. At Nubank, the minimum age to have a credit card in one’s name is 18 years.
Before that, parents can request an additional credit card for their child, linked to the adult’s main card, in both the traditional and Ultravioleta versions.
In this configuration, the guardian:
- Shares the limit of their own card with the additional card
- Sets a maximum spending limit for the child’s card
- Receives notifications of purchases made on the additional card
- Remains the only one responsible for paying the bill
This way, the young person gains some autonomy when making purchases, while the adult maintains control over the limit, spending history, and payment dates within the Nubank app.
Why Nubank Insists on Financial Education from an Early Age
Nubank’s message is clear: the sooner a child learns to handle money, the better for their adult life. The account for those under 18 was specifically designed to provide a controlled environment, where mistakes cost less and can be corrected with conversation and supervision.
The bank cites studies from the Central Bank showing that young people exposed to financial education are less likely to become indebted as they grow.
By combining digital account, Caixinhas, Pix, and monitoring tools, Nubank seeks to transform abstract concepts of saving, goals, and conscious consumption into concrete actions in the family’s daily life.
Besides the account, Nubank maintains a series of contents on its own blog about children’s and adolescent financial education, with guidance for parents on topics such as allowances, consumerism, investments for children, and long-term goals.
The account for those under 18 serves as the practical part of this conversation, connecting theory with the family’s everyday life.
Ultimately, the new notification within the app simply makes this benefit more visible, reinforcing the message that Nubank wants to position itself as a partner for families in the financial education of their children, and not just as a digital bank for adults.
For you, does it make sense to open a Nubank account for a 6-year-old in your family now, or is it better to wait a few more years before taking that first step into the financial world?
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