Rider-matched picks
Size-matched fenders & mudguards picks for 12 year olds, with fit and feature priorities curated for how 12 year olds actually ride.
Check Amazon for current pricing and availability.

Royalbaby
Front + rear fender set sized for 20" kids bikes. Confirm rim brake / tire clearance before install.

Syncros
Universal MTB front fender - zip-ties to the fork crown and lower legs of any suspension fork. Designed to be wide enough to clear a 2.6" tire and short enough not to interfere with crown-mounted accessories. Bolt-on, no tools needed.

Syncros
Fork-specific fender designed for the Fox 34 SC (Step-Cast) and other 34 mm-stanchion XC/trail forks. Bolts directly to the brake-arch holes instead of using zip ties - cleaner install and steadier under hits. Won't fit 32 mm or 36 mm forks.

Syncros
Shorter and lighter than the standard Trail Fender - keeps mud out of the goggles without the extra polypropylene tail. Universal zip-tie mount fits any suspension fork. Orange colorway is the only one consistently in stock on Amazon.
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Twelve-year-olds are transitioning into adult-sized bikes. Most children this age ride a kids 26" or an adult XS/S frame with 26" or 27.5" wheels. The deciding factors are height, leg length, and hand size. If your 12-year-old is over 150 cm and can comfortably reach adult brake levers and operate a standard drivetrain, an adult XS may be the better long-term investment. Under 150 cm, a kids 26" with shorter cranks and proportional components remains the safer choice. At this age, riders benefit from a full-featured drivetrain (1x10 or 1x11), quality disc brakes, and a bike matched to their riding discipline. Many 12-year-olds are riding to school, joining cycling clubs, and tackling real trails.
Fenders are sized to two dimensions: wheel diameter (12-20" for kids, 26"/27.5"/29"/700c for adults) and tire width (commonly 23-32 mm for road, 32-45 mm for commuter/gravel, 2.0-2.4" for MTB and kids bikes). Fenders should sit roughly 8-12 mm clear of the tire on each side and overlap the tire by 5-10 mm. Three broad styles: full-wrap fenders bolt to frame and fork eyelets and cover roughly 60% of the wheel for maximum spray protection (best for daily commuters and rain bikes); clip-on / strap-on fenders use rubber straps or P-clips around the seatpost and fork legs and trade coverage for tool-free install (best for road bikes without eyelets); and minimal racing-style ass-savers protect only the rider's backside and are mostly a token gesture for unexpected showers. Kids fenders tend to be plastic, sized 12/14/16/18/20", and clip to the frame with the bike's existing brake-mount or kickstand bolts.