Is that possible for me (15 years)?

And although I get my parents a 3-digit amount every month, I have to take care of myself that I get food at school, money for winter shopping, money for a new cell phone, etc. (For all those who are envious: please don't write that that doesn't work or whatever. Either you answer the question or you leave)

I also have things like Spotify & Netflix, prepaid and I wanted to ask if it would be possible to open a bank account, which I could use to pay for things like that? So I know classmates can pay by card in stores, but I…

1) have no idea what that is

2) whether I could use it to pay online

3) and I know 0 about it.

Can someone give me an insight & information?

Of course, you can open a pocket money account with your parents. There you can transfer the money by standing order. That makes it easier for both sides.

And with that I can also pay in supermarkets, for example?

So I have a pocket money account. With this card I can also count in shops. I don't know if that's what your classmates have. Maybe you can ask her some time.

Otherwise, pay a visit to a bank near you and get advice. They know best.

Yes, you also apply for an EC card.

Bank account is not a problem.

EC card, provided your parents / legal guardians agree, is also no problem.

Only you are not allowed to overdraw the account, it does not work. You can then only move within the limits of the credit.

Many online shops only deal with people of legal age, so that may not always work depending on where you want to order something.

Yes, that should work. Such accounts are usually made on a credit basis, which means you may not overdraw the account. From 13 you have limited legal capacity and can therefore also keep an account. Probably the consent of the parents is still required, but I think your parents are more open to it. They may also help you choose the bank.

Yes, there are also bank accounts for minors, in some cases even special account models. But you need your parents' consent to open one.

Usually you get an EC card with it, so you can pay in most shops. Most of the time you need a credit card online. Some accounts have prepaid credit cards, i.e. You can only pay with what's on it and don't go into debt - that should be best for you.

Get advice from various banks (go there and make an appointment if necessary) and explain to you what costs will be incurred. Otherwise there are direct banks where practically everything runs online - but I don't know whether they also open accounts for minors.

Credit cards cost something. He should just make a Paypal Acc

From the age of 7, you have limited legal capacity

Then google "PayPal minimum age" and you will find out that you are only allowed to do this from 18.

In addition, not every credit card costs something; with some accounts prepaid credit cards are free of charge.

So please inform first, then write.

Bad advice!
PayPal is only allowed from 18 years!