Your first bank account and card · seed 1 · A4, ink-friendly. The answer key prints on its own page for grown-ups.
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Your first bank account and card

Life Skills · Money & Finance · ages 12-13
Name ______________________   Date ____________

  1. Jo gives a phone company permission to collect bills directly from her bank account on agreed dates. No card is used. What is this arrangement?

    • A direct debit for the phone bills
    • A one-off card payment for a single purchase
    • A cash payment handed over at the shop counter

  2. Mia's balance is $200. A pending $60 payment has not yet been deducted from it. There is no borrowing or other money to reserve. How much remains for spending?

    • $200
    • $140
    • $260

  3. If your bank card is lost, report it promptly through an official bank channel and lock it if your bank offers that feature.

    Circle one:   True   False

  4. Which authorisation covers just one payment?

    • A card purchase authorised for this visit only
    • A card subscription authorised to renew every month
    • A direct debit authorised to collect regular phone bills

  5. An app shows a $500 balance and $420 available. It says the pending $80 is already allowed for in $420. There is no borrowing or other money to reserve. How much remains for spending?

    • $340
    • $500
    • $420

  6. It is safe to tell a caller your card PIN just because they say they work for your bank.

    Circle one:   True   False

  7. Jo has $150 available, with no borrowing. Upcoming bills of $30, $20 and $10 are not yet allowed for. She plans to spend all $150 on other things. What has she missed?

    • Upcoming bills will be charged twice if she pays by card
    • The bank will add enough money to cover all three bills
    • She needs to reserve $60 for the upcoming bills

  8. Sam spots a card payment he does not recognise. What is the safest next action?

    • Make another card purchase to test whether it happens again
    • Lock the card if offered and contact the bank promptly
    • Wait for another unfamiliar payment before asking for help
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Answer key

For grown-ups. Fold this page away before handing over the rest.

Your first bank account and card W1-mt_YoV2gRHaLS-s1

  1. A direct debit for the phone bills · A direct debit lets an authorised business collect money directly from a bank account on agreed dates.
  2. $140 · The pending $60 has not yet been deducted. Subtract it once: $200 minus $60 leaves $140.
  3. True · Report the loss promptly and lock the card if offered. Ask the bank what else to do because a lock may not block every payment.
  4. A card purchase authorised for this visit only · The visit-only purchase authorises one payment. The subscription and regular direct debit allow further payments.
  5. $420 · The available $420 already allows for the pending $80. Subtracting $80 again would count the same payment twice.
  6. False · A caller's claim does not prove their identity. Keep your PIN secret and contact the bank through an official channel if you need help.
  7. She needs to reserve $60 for the upcoming bills · The bills total $60. Reserving that money leaves $90 for other spending. The bank's available amount is not the same as Jo's spending budget.
  8. Lock the card if offered and contact the bank promptly · An unfamiliar payment may be an error or fraud. Report it promptly through an official bank channel. Locking the card may not block every payment.
Worksheet · LightMySky