A normal modern bank card (with 2FA) through a payment provider which obfuscates everything besides the name on your bank account and your bank account number (this will also share the country of your bank if you are in a SEPA region).
And since people younger than 18 can use that system, they cannot use that for verification.
Plus, you won’t be at risk of spending money you don’t have, and it doesn’t negatively impact your credit score like even having a credit card does in some countries.
A normal modern bank card (with 2FA) through a payment provider which obfuscates everything besides the name on your bank account and your bank account number (this will also share the country of your bank if you are in a SEPA region). And since people younger than 18 can use that system, they cannot use that for verification.
Plus, you won’t be at risk of spending money you don’t have, and it doesn’t negatively impact your credit score like even having a credit card does in some countries.