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This is perfect timing, because 13 is the age that kids must be to get a prepaid card. How it works is, you will need to apply for the card yourself, and then open up a Family Account. You'll add your daughter to the account, and you can add funds to your own account, which you will then be able to transfer over to her card. She will be able to access whatever amounts of funds you put on the card, and you can look at the account online to see exactly what she is spending. If you need to, you can reclaim funds from her card in case she is not spending the money the way you'd like. Prepaid cards give kids a way to practice using payment cards, without actually risking giving them a credit card that they could get into debt with.