These cards are designed for children from 6 to 14 years old. A child at this age does not have a passport yet, so he cannot issue a card himself. But it is available to his parent, to whose account the payment instrument is attached.
Since mom, dad or guardian is already a customer of the same bank, money is usually not charged for servicing a child's card. In addition, an adult can view transactions and set spending limits.
From the age of 14, a child who has received a passport can, with the permission of his parents, issue a card in his own name, but she will already be an adult. However, often he can still take a children's card. Everything is at your discretion here.
It may seem that it is too early for a child to have it. After all, it is sometimes easier to issue bills for pocket expenses. But there are several reasons why it is worth getting bank cards for children:
A child may become a victim of fraudsters. Therefore, it is important to pass along with the card the basic safety rules to him: for example, you can not tell anyone the data on the back of the plastic, and in case of loss, you should not be afraid, but immediately call your parents. This is also part of the training, caution does not appear automatically at the age of 18, it must be trained.
And of course, your main assistant is the limit for spending on the card. With it, criminals will not steal a painful amount.
This is a list, not a rating. Interesting offers are collected in random order. If the age is not specified, the card can be issued for a child from 6 to 14 years old.
Card maintenance and SMS notifications from mom or dad about the movement of money cost nothing. At the same time, data on spending on a child's card will also be available in an adult's mobile application.
Bonuses are promised for purchases — 1% for all expenses, 2% for purchases in online stores, up to 30% on promotions. Bonuses are exchanged for money at the rate of 1 point = 1 ruble. The child can also save and send amounts to a savings account, where interest will be accrued on them.
Tinkoff also has a mobile application for children's card holders. In it, the bank promises to teach the child financial literacy through stories, tests and comics. There is also a function thanks to which a parent can send tasks to a child and pay for their completion.
The service is free of charge. Bonuses will be credited with 2% of expenses in supermarkets, transport and fast food. However, it is allowed to spend them only in the VTB "Multibonus" program.
You can also change the card design to a brighter one for free. And from the age of 14, a child has access to a savings account to save savings.
The bank promises free card service and cashback of 5% for purchases in cafes and restaurants and 1% for everything. Information about account movements will be recorded in the adult and children's applications. But the child will only have access to the app from the age of seven. You will have to pay 99 rubles per month for an SMS notification from the second month.
The card is issued in white with a set of stickers. The child decides for himself how to decorate it.
Traditional set: free service, transaction notifications to parent phone. In addition, cashback of up to 6% and interest on the account balance are provided. The child can also choose a unique card design, as well as watch educational stories and take financial tests in the bank's application.
Suitable for children under 13 years old. The service is free, 0.5% of the expenses are accrued with bonuses from Sberbank. There is a special application "Sberbank Kids" (not in the App Store), in which children will be able to keep track of their expenses and financially educate themselves through videos and tests. You can also save money with interest.
This material was first published in August 2022. In October 2023, we updated the text.
