{"id":82923,"date":"2024-10-15T09:00:00","date_gmt":"2024-10-15T07:00:00","guid":{"rendered":"https:\/\/www.nordnet.se\/blogg\/?p=82923"},"modified":"2026-03-04T16:22:40","modified_gmt":"2026-03-04T15:22:40","slug":"sa-hittar-du-basta-kontokortet-till-barnen","status":"publish","type":"post","link":"https:\/\/www.nordnet.se\/blogg\/sa-hittar-du-basta-kontokortet-till-barnen\/","title":{"rendered":"S\u00e5 hittar du b\u00e4sta kontokortet till barnen"},"content":{"rendered":"\n

H\u00f6stlovet n\u00e4rmar sig och kanske g\u00f6r det fr\u00e5gan om barnets egen veckopeng och ekonomi aktuell. N\u00e4r \u00e4r det egentligen dags f\u00f6r barnet att skaffa kontokort och p\u00e5 vilket s\u00e4tt skiljer barnanpassade kontokort mot vanliga?<\/strong><\/p>\n\n\n\n

Ett barnanpassat kontokort fungerar som s\u00e5 att det \u00e4r f\u00f6r\u00e4ldern som \u00e4r juridisk ansvarig f\u00f6r kortet. Det betyder att det \u00e4r f\u00f6r\u00e4ldern som ans\u00f6ker om kortet, och finns det tv\u00e5 v\u00e5rdnadshavare kr\u00e4vs b\u00e5das underskrift. F\u00f6r\u00e4ldrarna kan se transaktioner och saldo \u2013 man har med andra ord full koll p\u00e5 barnets ink\u00f6p.<\/p>\n\n\n\n

F\u00f6r\u00e4ldrasp\u00e4rrar<\/h2>\n\n\n\n

Ett barnanpassat kontokort \u00e4r aldrig ett kreditkort. F\u00f6r att ing\u00e5 kreditkortsavtal m\u00e5ste man vara \u00f6ver 18 \u00e5r. D\u00e4rmed \u00e4r det bara de pengar som finns p\u00e5 kontot som kan spenderas, s\u00e5 du som f\u00f6r\u00e4lder kan reglera hur mycket som ska finnas tillg\u00e4ngligt.<\/p>\n\n\n\n

P\u00e5 de barnanpassade kontokorten finns ocks\u00e5 s\u00e5 kallade \u201df\u00f6r\u00e4ldrasp\u00e4rrar\u201d, som exempelvis kan vara m\u00f6jligheten att sp\u00e4rra f\u00f6r k\u00f6p online eller f\u00f6r k\u00f6p st\u00f6rre \u00e4n en viss summa.<\/p>\n\n\n\n

Smidigare \u00e4n kontanter<\/h2>\n\n\n\n

F\u00f6rdelen med ett kontokort f\u00f6r barn \u00e4r att det \u00e4r smidigare och s\u00e4krare \u00e4n kontanter, och du som f\u00f6r\u00e4lder kan som sagt ha full kontroll \u00f6ver kortet. Du kan snabbt f\u00f6ra \u00f6ver pengar vid behov, exempelvis om barnet ska ta bussen och st\u00e5r d\u00e4r utan pengar. En annan f\u00f6rdel \u00e4r att bankerna ofta har pedagogiska appar kopplade till sina barnanpassade kontokort, som hj\u00e4lper barnen med exempelvis sparm\u00e5l eller ber\u00e4kning f\u00f6r att tj\u00e4na extrapengar. Allt f\u00f6r att barnet i h\u00f6gre utstr\u00e4ckning ska f\u00f6rst\u00e5 pengars v\u00e4rde.<\/p>\n\n\n\n

Kan vara sv\u00e5rare att f\u00f6rst\u00e5 pengars v\u00e4rde<\/h2>\n\n\n\n

En utmaning med att ge barnet kontokort \u00e4r ju att kontanter, mynt och sedlar, kan vara mer pedagogiska f\u00f6r den som ska l\u00e4ra sig pengars v\u00e4rde. Ett kontokort blir mer abstrakt. \u00c5 andra sidan \u00e4r barn idag s\u00e5 vana vid att allt sker digitalt, de \u00e4r uppv\u00e4xta i en digital v\u00e4rld. \u00a8<\/p>\n\n\n\n

Ett kontokort kan f\u00f6rst\u00e5s ocks\u00e5 bli stulet eller tappas bort, vilket g\u00f6r det viktigt att tillsammans med barnet prata om vikten av att skydda kortet och inte l\u00e4mna ut n\u00e5gon kod. M\u00e5nga har ju kortet i mobilen, och det kan r\u00e4cka med ett \u201dblipp\u201d f\u00f6r k\u00f6p. Vill det sig illa kanske n\u00e5gon som stj\u00e4l kortet hinner blippa k\u00f6p innan det uppt\u00e4cks.<\/p>\n\n\n\n

N\u00e4r ska barnet f\u00e5 eget kontokort?<\/h2>\n\n\n\n

N\u00e4r \u00e4r det d\u00e5 l\u00e4ge f\u00f6r barnet att f\u00e5 ett kontokort? Det finns ingen exakt \u00e5lder, och det \u00e4r inte att rekommendera att blint g\u00e5 efter bankernas minimi\u00e5ldrar. Man beh\u00f6ver utg\u00e5 fr\u00e5n barnets egen mognad och ansvarsk\u00e4nsla, snarare \u00e4n faktisk \u00e5lder. Barnet b\u00f6r ha en grundl\u00e4ggande f\u00f6rst\u00e5else f\u00f6r pengars v\u00e4rde. Dessutom b\u00f6r det ju finnas ett behov. \u00c4r barnet inte tillr\u00e4ckligt stort f\u00f6r att vara ute sj\u00e4lv utan f\u00f6r\u00e4ldrar kanske det inte finns n\u00e5gon st\u00f6rre po\u00e4ng.<\/p>\n\n\n\n

Jag tycker att det \u00e4r en klok id\u00e9 att anv\u00e4nda de pedagogiska appar som ofta finns kopplade till de barnanpassade kontokorten. De hj\u00e4lper till att \u00f6verbrygga de eventuella pedagogiska utmaningar som finns med ett kort d\u00e4r barnet inte ser pengarna rent visuellt.<\/p>\n\n\n\n

Hur g\u00f6r ni i din familj?<\/p>\n\n\n\n

\/Frida<\/p>\n","protected":false},"excerpt":{"rendered":"

H\u00f6stlovet n\u00e4rmar sig och kanske g\u00f6r det fr\u00e5gan om barnets egen veckopeng och ekonomi aktuell. N\u00e4r \u00e4r det egentligen dags f\u00f6r barnet att skaffa kontokort och p\u00e5 vilket s\u00e4tt skiljer barnanpassade kontokort mot vanliga? Ett barnanpassat kontokort fungerar som s\u00e5 att det \u00e4r f\u00f6r\u00e4ldern som \u00e4r juridisk ansvarig f\u00f6r kortet. Det betyder att det \u00e4r […]<\/p>\n","protected":false},"author":40184,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"ghostkit_customizer_options":"","ghostkit_custom_css":"","ghostkit_custom_js_head":"","ghostkit_custom_js_foot":"","ghostkit_typography":"","_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[4764],"tags":[],"class_list":["post-82923","post","type-post","status-publish","format-standard","hentry","category-female-network"],"acf":[],"all_images":{"thumbnail":{"src":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2019\/11\/frida-bratt-2-1-150x54.png","width":150,"height":54,"crop":true,"srcset":"https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2019\/11\/frida-bratt-2-1-150x54.png 150w, https:\/\/blogg.nordnet.se\/wp-content\/uploads\/2019\/11\/frida-bratt-2-1-620x222.png 620w, 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