What can I do with my current account when I'm 15?

I'm 15 not in school and I want to open a current account for students and I want to know what I do with it.

e.g.

I want to know if I can use it to pay online

Whether I can have money with that alone

If I find a part-time job, the money will then go to my account

And finally, whether I can use it to take out a Netflix or Spotify subscription

Online + Spotify / Netflix. From 18

Everything else can be told by your trusted bank, oh yes, and take a parent or legal guardian with you, without him you won't get an account under 18

I think it would be good if you could get the information directly from the bank.

1.) you learn the language of the bank, which is really important for your future

2.) you have to learn very quickly that there can be wrong answers here in good questions, net

You can't open this yourself, you also need your parents to open an account.
Yes, you can use it to pay online.
It doesn't depend on the account whether you can subscribe to Netflix or Spotify - this is regulated in the terms and conditions of the services. In addition, your parents still have a say in this.

1. In the context of the pocket money paragraph, yes, if the online shop allows you under 18 to buy from it

2. Yes with a customer card also at the ATM

3. Yes of course

4. You have to be 18 for this. However, your parents may be able to sign that Netflix can be debited from your account

You have to take your parents with you to open an account, otherwise it won't work.

As a student, you can only ever dispose of the amount of money that is in the account - so you can't run into debts.

As part of the pocket money and with the (even tacit) consent of your parents, you can also shop online - unless the retailer's terms and conditions stipulate otherwise.

You are NOT allowed to conclude subscription contracts - minors are not allowed to do so.