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Regarding kids on their own: have you considered Revolut?

What advantage would that have over what my bank currently offers to kids? How does it address "I don't think he's yet able to keep track of a bank card, much less a smartphone from a company I don't trust."?

How will I, as a parent without a smartphone, manage my kids' account?

FWIW, I live two floors above the main branch in the city for my bank.

I have deep distrust of anything like frequent flier miles and store memberships as I know they are bribing me with my own money and/or building up a persona to try and sell me more, so seeing "RevPoints" marketing on their home page triggers alarm bells in my head. It means they are building on a system which is already extracting too much money from customers, so we need stronger regulations limiting the excess overhead.

I have no idea about your bank offerings, but compared to _my_ bank Revolut had much fewer hoops to jump through when opening a child's account. As for being able to keep track - it depends on what "keep track" means for you. It is not possible to understand how much money is left by just looking at the card, and having the account costs some fee (quite small to me and I have my "main" account anyway), but the card itself is free and it is possible to block it (unlike a lost 100SEK banknote). And it seems possible to manage accounts through a web browser (assuming you are not completely against using a computer).

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