Teenagers are the most underserved segment in European retail banking — old enough to spend money, young enough to be ignored by most financial institutions whose products require an adult to co-sign or whose onboarding flows assume a credit history that simply doesn't exist yet. Kard was founded in Paris in 2019 to build a bank account specifically for 10 to 18 year olds, with a Visa card, a parent control interface, and a product designed to be genuinely useful to the generation that has grown up with smartphones but has been handed little more than a prepaid card by the financial system. The parent app allows spending oversight, pocket money automation, and savings goals — turning what could be a restrictive tool into a genuine financial education platform. Kard has grown rapidly in France, building a user base among teenagers and their parents who value the combination of independence and oversight. In the European youth banking segment — where GoHenry, Revolut Junior, and BNP Paribas's own digital youth products compete — Kard's French-first approach and deep understanding of the specific dynamics of teenage financial behaviour give it a local edge that pan-European rollouts often lack.