Bonjour.
Technically, Revolut is not for teenagers as the age limit is 18.
Jokes aside:
Most ‘neobanks’ use the pre-paid debit card structure as it is extremely flexible. Pairing it with other providers (e.g. GPS, Currency Cloud, Mastercard, …) allows ‘neobanks’ to hit the ground running whilst pairing these services with its own app.
Revolut is currently working on becoming a Principal Member of Mastercard, and therefore be able to issue ‘full’ debit cards (that are not pre-paid.).
Unsure about SEPA direct debit, and the 3D secure situation for both top-ups and spending.