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Even moreso these days, kids are getting their own debit cards.

All London kids should use a Zip oyster; contactless is always adult fare but with zip it’s child fares (and free buses)

Does anyone know if you can use Go Henry or Hyperjar cards on the tube?

So long as it has contactless, it's fine.

Yes, you can, at least Go Henry. But you'll pay adult fares, so treat it as a fallback.