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For parents of children and youth

Help your children learn step by step how to manage their own finances

With the Swedbank Youth Programme, your children will be able to:

  • Receive and check their pocket money in the Swedbank app.
  • Get and use their own Mastercard WEB contactless card.
  • Learn financial literacy, i.e., how to save, achieve their goals and understand the value of money.

And you will be able to open a bank account for your child remotely!

New! Teach your child to save in small but smart steps with Easy saver.

  • 30EUR
  • Free-of-charge Service Plan “Convenient”. The participants of the Youth Programme may use the benefits of the free-of-charge plan “Convenient”.
  • Personal payment card. You may order “Mastercard WEB” payment card for your child. Within the limits of this card your child will be able to independently pay at the points of sale, withdraw cash at the ATM and deposit cash into his/her account.
  • Internet Bank. Your child may also have access to the Internet Bank and check the account balance as well as the account statement.
  • Monitor your child’s account history. You will be able to access your child’s account on the Internet Bank and check the account balance as well as the account statement.
  • Security programme. A special security programme is valid for payments cards of the Youth Programme.
  • Swedbank app. Wherever you are, you can instantly transfer money to your child’s account via the Swedbank App. You may find more information about the app here.
  • Financial literacy. Swedbank Youth Programme not only helps young people to master the key banking tools, but also develops personal finance management and saving skills and teaches to realise the value of money.
  • Loyalty programme and BankMeter. By active use of the payment card the participants of the Youth Programme improve their loyalty rate, fill in the BankMeter scale, and earn amazing prizes when they reach the top. Further information on the loyalty programme is available here.

In order to join the Youth Programme, your child needs to have an active Swedbank account. You can easily and conveniently open a bank account for your child online:

  1. Log in to your Internet Bank.
  2. Fill in the application form for remote opening of a bank account.

Important: your application will be verified within 4-5 business days.

In order to open an account for your child online, you should meet the following criteria:

  • You must be Swedbank’s customer and have access to Swedbank’s Internet Bank.
  • You also need to have an appropriate personal identification and authentication tool – a qualified Smart-ID, Mobile-ID or a personal identity card with an integrated e-signature feature. Further information on authentication tools.

Internet Bank and the Swedbank app for the child:

  • Having opened an account for your child, you may provide him/her with an independent access to the Internet Bank. In this way the child can learn to check the account balance, manage and plan his/her finances from early days.
  • In order to use the Internet Bank and the Swedbank app, your child needs to have an authentication tool – Smart-ID or a PIN code generator.
  • Authentication tools for children are issued free of charge. All you need is to book an appointment and visit the selected bank’s branch. Book an appointment.
    Don't forget to bring your child's birth certificate or birth certificate to the branch.

You can also open an account in the customer service branch. Book a consultation at the selected Swedbank’s branch online whenever is convenient for you.

  • You should have your identity document – a passport or an ID card;
  • You should have your child’s identity document – a passport or an ID card (if any);
  • You should have your child’s birth certificate or an extract of the birth certificate. You should also have a document proving guardianship rights – a passport with a reference to children, or the child’s birth certificate or an extract of the birth certificate.

Sign necessary agreements and your child will be able to start using the advantages offered by Swedbank Youth Programme.

All you have to do is give your consent. Your child will then be able to carry out other actions independently, which will provide him/her with valuable experience and an opportunity to become acquainted with the bank’s operations.
There are two ways to give consent to your child’s participation in the Youth Programme:

  • on the Internet Bank.
  • Register online for a consultation at a selected Swedbank branch at a time convenient for you.
  • Your child will have to bring his/her birth certificate or an extract from the birth certificate and a personal identity document (a passport or an ID card) to any Swedbank branch and sign the Agreement on Participation in Swedbank Youth Programme.
  • If you are the child‘s guardian, the child will have to bring a document that proves that.

Youth Programme participants can enjoy the following benefits:




Programme fee 0 0 0
Monthly fee of the Service Plan 0 0 0
Mastercard WEB issuance and administration fees 0 0 0
Euro-denominated payment transfers in Lithuania and European Economic Area countries Daily limit 30 € / Monthly limit 100 €

Further information on the terms and conditions and fees of the Youth Programme is available here.

  • All participants of Swedbank’s Youth Programme can participate in the loyalty programme “BankMeter”.
  • The more a participant of the Youth Programme pays with his/her card or transfers money through the bank’s online banking system or App, the more his/her loyalty indicator on BankMeter will increase.


2 payments by card.


4 payments by card / transfers in internet bank or mobile app.

”Three+ /Four+”

20 payments by card / transfers in internet bank or mobile app.

  • Upon reaching the 100 % loyalty indicator and completing the BankMeter, a youngster will be able to select a prize from the BankMeter Prizes Catalogue.
  • You can use the BankMeter Prizes Catalogue upon logging-in to the online banking system. The ordered prize will be sent by post.

General terms and conditions of the Youth Programme, which also contain the Terms and Conditions of the Loyalty Programme are available here.

Understanding how to manage finances is an important part of your child’s growth. Like any skill, financial literacy needs to be taught. Here you will find info and tips how it can be done.

  1. It is never too early or late to talk with children about many management
  2. Help them to learn how to track spendings
  1. Show them how to identify the source of incomes
  2. Be a good role model by doing the same as you teach
  1. Emphasize savings
  2. Consider the digital help (Internet bank, app and etc.)
For younger children it is better to start with a simple concept: what money is and what you can do with it? Give them example for better understanding. For young kids, it may make more sense to set a short-term savings goals. You can explain to your child, for instance, that while they could spend their birthday money or allowance on a small toy, if they save their cash for a few weeks or months instead, they could later afford a larger toy. Piggy bank, a plain jar or bank account, giving young children a special place in which to store their savings is way to help them develop a strong financial education background. Let‘s day your child is comfortable with storing savings at a bank but it's still worth visiting the bank and opening account instead of doing it online. This trip could help a child to better understand what bank is.
This is also a good idea to explain to children that their money that the bank is simply storing their funds, not taking them away.
If child gets a regular allowance, encourage them to budget and tell them that this can help to not run out of cash before the next allowance day. If you take a vacation with your child, think about giving them a fixed amount of money for small purchases such as souvenirs and snacks for the duration of the trip.

To help with your child‘s financial education, we have designed the below handouts, which can be used as a guideline when talking with your child.

“How to talk about the money?”

Will help you educate your child about how money appears in your wallet and where it is spent, how to raise small but important saving goals and achieve them.

“Security when paying by card”

Here you will find information how to safely pay when using a card, protect the card‘s PIN code or what to do in case of an unexpected incident.

“Wishes and needs: how to behave with money and where it is advisible to spend it?”

Explains how to distinguish between wishes and needs, plan purchases and raise bigger and more important saving goals and achieve them.

6–13 years

It will attract child‘s attention, therefore it will be easier for you to explain basic financial concepts and definitions to them. Tell them about your work, how you earn money. Explain to your children that you have to spend money for various necessities, how much money or work you need for that. Also mention, that you can save for your dreams or goals to achieve. If you teach them to see the difference between wants and needs, it will be easier for him/her to understand why sometimes you do not buy something. To discuss financial situation and to make certain decisions. Possible topics for discussions: differences between cash and digital money; taking responsible loans; family budget; why are savings and investmens crucial. Make a grocaries list together. After shopping you can review shopping experience and result with whole family. Don‘t forget to praise your child‘s effort. Make an agreement to pay your children, for example, for moving lawn, vacuuming the carpets or helping out to clean the attic. Child is more likely to understand the value of money if he/she earns it independently. Encourage your child to spend about 80% of their money and save about 20%. It will be easier if he/she will have a clear saving goal. For younger children buy a piggy-bank it will be a fun activity to accumulate money. A bit older children could have a bank savings account and watch their savings grow online.

14 years and more

For example, who‘s paying for college, setting clear expectations of what costs he/she will have to encounter, without forgeting expences like housing, commodities etc. Slowly increase their allowances, but let them start to buy their own clothes, toiletries, tickets for concerts. This teaches what life really costs, the value of money and set future earning goals. Work together with your children to research online or shop to find the best price for an item they need. It will teach them to be less spontanious and more frugal. To discuss financial situation and to make certain decisions. Possible topics for discussions: differences between cash and digital money; taking responsible loans; family budget; why are savings and investmens crucial If your child does not have enough money for a certain expense lend them money. However, explain to them that you witl take a certain amount of money from their allowance with interest. This encourages to save money in advance, because it will cost less money in the long run for a certain expence.
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