By age 16, nearly half of European teens have worked a summer job. Whether they’re stacking shelves, scooping gelato, or babysitting, it’s often their first taste of financial independence.

And while they might be focused on spending that hard-earned cash fast, you’re probably asking:

• How do I support them without stepping in too much?

• How do I teach them to save—without the eye rolls?

We’ve got you. Here’s how to help your teen get the most out of their first job and build smart money habits for life.

1. Start with support, not spreadsheets

That first job is exciting, but it can be a lot. New responsibilities, new people, and the pressure to perform. Even the most confident teens can feel unsure.

What they need from you isn’t micromanaging. It's an emotional backup.

Be there to listen after shifts, whether they’re venting about tricky customers or celebrating their first tip. It’s called “scaffolding”—offering just enough support so they can grow on their own.

Try this:

• Role-play how to ask for time off

• Share your own summer job fails (bonus points for funny ones)

• Ask “What felt challenging today?” instead of “Did you do everything right?”

2. Tie money to what they care about

Teens are way more likely to save when it’s tied to something they want. So instead of diving into financial theory, connect money habits to real goals.

Say this, not that:

• “Work 10 hours a week at €7/hour? That’s €280 a month. Save half, spend half—your concert in August is sorted.”

• “You could buy snacks every day… or save €50 a month for a weekend trip with friends.”

Want to go deeper? Try a simple 50/30/20 split: spending, saving, and sharing (or investing). Let them decide the exact breakdown. When teens feel ownership over their choices, they stick with them.

3. Make money management as smooth as scrolling

Let’s face it—your teen isn’t carrying around cash or logging into spreadsheets. They live on their phone, so their money should too.

That’s where bunq comes in.

With Pocket Money, your teen can manage their earnings in a way that feels natural and empowering. And you get peace of mind knowing they’re learning good habits early.

Why Parents (and Teens) Are Using bunq

• A card they design themselves: Let them customize their own bunq card to make it feel like theirs.

• Get paid with bunq.me: Perfect for gigs, babysitting, or that cousin who owes them €10.

• Auto Round Up that just works: Set Savings Goals and let bunq move the money automatically—no extra thinking needed.

• Everything in one app: They manage their money from their phone, and you can see what’s going on (without hovering).

• Scheduled Pocket Money: Help them build a routine with automatic weekly payments—like a mini salary.

The Takeaway

Your teen’s summer job is about more than making money. It’s a chance to build confidence, learn responsibility, and develop real-world money skills that last.

With bunq, they’ll learn how to budget, save, and spend wisely—without feeling like they’re being told what to do.

Open a bunq Child account, free on the bunq Pro plan until they turn 18, and let them take charge of their future—one smart decision at a time.