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Did you read your own link? A parent has to apply for this.

Parent/Legal Guardian Identity Verification To confirm your identity, we’ll ask you to take:

    A live selfie of yourself, and
    A photo of your own ID document (Valid Passport or valid UK/ROI Drivers Licence)

[Symbiote]

They may well have the account with a debit card for other reasons, like buying food, travel etc.