Free service options and bonuses.
How the children’s bank card differs from the adult
Such cards are designed for children from 6 to 14 years old. The child does not yet have a passport, so he himself cannot draw up a card. But this is available to his parent, to whose account a payment instrument is attached.
Since mom, dad or guardian is already a client of the same bank, they usually do not take money for servicing a children’s card. In addition, an adult can view operations, set limits for expenses.
From the age of 14, a child who received a passport can, with the permission of his parents, issue a card in his name, but it will already be an adult. However, often he can still take a children’s card. Everything is at your discretion here.
Why a child is a bank card
It may seem that it is too early for the child to have it. After all, issuing bills for pocket expenses is sometimes easier. But there are several reasons why it is worth starting bank cards for children:
- He learns to use a modern tool. There are less and less cash in circulation. There was a surge in Russia in late February – early March, but then paper money again began to circulate less of10. Perhaps when the child matures, they will disappear altogether. Therefore, it is logical if he will already get acquainted with the card. (But there is a nuance with safety, more on that below.)
- The card is useful in emergency cases. The parent at any time can virtually give the child money if he urgently needs them. You will have to bring cash.
- The child spends money on the card on his own. But mom and dad can observe his financial decisions and give advice.
- If the card is lost or it was taken away, the tool is easy to block.
- On the card you can get cashback and bonuses.
How to make a children’s bank card safe
A child can become a victim of scammers. Therefore, it is important to convey the basic safety rules with the card with the card: for example, you can’t say data from the back of the plastic, and in the case of loss, you should not be afraid, but immediately call parents. This is also part of the training, caution does not appear automatically in the age of 18, it must be trained.
And, of course, your main assistant is a limit for spending on a map. Criminals will not steal a painful amount with him.
What bank cards for children can be interesting
This is a list, not a rating. Interesting offers are collected in random order. If age is not indicated, the card can be issued for a child from 6 to 14 years.
1. Tinkoff Junior from Tinkoff
Mama or SMS notification of mom or dad about the movement of money is worth nothing. At the same time, data on expenses on the children’s card will be available in the mobile adult application.
Bonuses promise for purchases-1% for all expenses, 2% for purchases in online stores, up to 30% for spending partners. Bonuses exchange for money at the rate of 1 point = 1 ruble. Also, the child can save and send money to the funded account, where interest will be accrued on them.
Tinkoff also has a mobile application for children’s card holders. In it, they promise to teach a child financial literacy through stories, tests and comics. There is also a function of which the parent can send the child the task and pay for his implementation.
Decorate →
2. “Children’s multi -core peace” from VTB
The service is free. Bonuses will be charged 2% of the costs in supermarkets, transport and fast food. True, spending them is allowed only in the VTB program “Multibonus”.
You can also change the design of the map for a brighter. And from the age of 14, the child has an accumulative account to postpone the saved.
Decorate →
3. “Children’s map” from “Alfa Bank”
You can arrange it for a child not from six, but from the age of 7. The bank promises free maintenance card and cashback in 5% for purchases in cafes and restaurants. Information about movements in an account will be available in adults and children’s applications (they are not in the App Store). But the child will have access to the application only from the age of 14. For SMS-provision from the second month you will have to pay 99 per month.
The card is issued by white with a set of stickers. The child himself decides how to decorate it.
Decorate →
4. “Children’s card” from Home Credit Bank
It is designed for children under 14 years old. Together with the card there are free maintenance and SMS notification, as well as a cashback of 3% for purchases in cafes and restaurants and up to 30% for spending partners.
Decorate →
5. “Children’s Sbercard” from Sberbank
Suitable for children under 13 years old. The service is free, 0.5% of the expenses are accrued by Sberspasibo bonuses. For children there is a special Sberkids app (not in the App Store), in which children will be able to monitor the costs and forms financially thanks to videos and tests.
Decorate →
How the children’s bank card differs from the adult
Such cards are designed for children from 6 to 14 years old. The child does not yet have a passport, so he himself cannot draw up a card. But this is available to his parent, to whose account a payment instrument is attached.
Since mom, dad or guardian is already a client of the same bank, they usually do not take money for servicing a children’s card. In addition, an adult can view operations, set limits for expenses.
From the age of 14, a child who received a passport can, with the permission of his parents, issue a card in his name, but it will already be an adult. However, often he can still take a children’s card. Everything is at your discretion here.
Why a child is a bank card
It may seem that it is too early for the child to have it. After all, issuing bills for pocket expenses is sometimes easier. But there are several reasons why it is worth starting bank cards for children:
- He learns to use a modern tool. There are less and less cash in circulation. There was a surge in Russia in late February – early March, but then paper money again began to circulate less of10. Perhaps when the child matures, they will disappear altogether. Therefore, it is logical if he will already get acquainted with the card. (But there is a nuance with safety, more on that below.)
- The card is useful in emergency cases. The parent at any time can virtually give the child money if he urgently needs them. You will have to bring cash.
- The child spends money on the card on his own. But mom and dad can observe his financial decisions and give advice.
- If the card is lost or it was taken away, the tool is easy to block.
- On the card you can get cashback and bonuses.
How to make a children’s bank card safe
A child can become a victim of scammers. Therefore, it is important to convey the basic safety rules with the card with the card: for example, you can’t say data from the back of the plastic, and in the case of loss, you should not be afraid, but immediately call parents. This is also part of the training, caution does not appear automatically in the age of 18, it must be trained.
And, of course, your main assistant is a limit for spending on a map. Criminals will not steal a painful amount with him.
What bank cards for children can be interesting
This is a list, not a rating. Interesting offers are collected in random order. If age is not indicated, the card can be issued for a child from 6 to 14 years.
1. Tinkoff Junior from Tinkoff
Mama or SMS notification of mom or dad about the movement of money is worth nothing. At the same time, data on expenses on the children’s card will be available in the mobile adult application.
Bonuses promise for purchases-1% for all expenses, 2% for purchases in online stores, up to 30% for spending partners. Bonuses exchange for money at the rate of 1 point = 1 ruble. Also, the child can save and send money to the funded account, where interest will be accrued on them.
Tinkoff also has a mobile application for children’s card holders. In it, they promise to teach a child financial literacy through stories, tests and comics. There is also a function of which the parent can send the child the task and pay for his implementation.
Decorate →
2. “Children’s multi -core peace” from VTB
The service is free. Bonuses will be charged 2% of the costs in supermarkets, transport and fast food. True, spending them is allowed only in the VTB program “Multibonus”.
You can also change the design of the map for a brighter. And from the age of 14, the child has an accumulative account to postpone the saved.
Decorate →
3. “Children’s map” from “Alfa Bank”
You can arrange it for a child not from six, but from the age of 7. The bank promises free maintenance card and cashback in 5% for purchases in cafes and restaurants. Information about movements in an account will be available in adults and children’s applications (they are not in the App Store). But the child will have access to the application only from the age of 14. For SMS-provision from the second month you will have to pay 99 per month.
The card is issued by white with a set of stickers. The child himself decides how to decorate it.
Decorate →
4. “Children’s card” from Home Credit Bank
It is designed for children under 14 years old. Together with the card there are free maintenance and SMS notification, as well as a cashback of 3% for purchases in cafes and restaurants and up to 30% for spending partners.
Decorate →
5. “Children’s Sbercard” from Sberbank
Suitable for children under 13 years old. The service is free, 0.5% of the expenses are accrued by Sberspasibo bonuses. For children there is a special Sberkids app (not in the App Store), in which children will be able to monitor the costs and forms financially thanks to videos and tests.
Decorate →