The bank determines it. Minors (those under 18) cannot open a bank checking account in the Philippines without the permission of their parent or legal guardian. They can start a custodial account, but they must usually be at least 13 years old to get a debit card linked to their name. Nonetheless, some banks provide cards to youngsters under 13 (in the adult's name). Prepaid debit cards are available to children of all ages.