(1
ratings, average: 5,00
out of 5)
The modern world forces everyone to use plastic cards, so you shouldn’t be surprised when a child pays in a store with his own plastic.
Many banks offer products for children, and each of them offers its own bonuses and advantages. The Alfa Bank card, which offers several bonuses at once, is quite different from their background.
So, what does a children’s card from Alfa Bank provide, what are its advantages over others:
- There is a linking of a bank card for children to the account of a parent under 14 years of age, but at the same time, you can set a certain limit to control expenses;
- Free service in packages of available services;
- You can install applications on your phone so that you can pay with it;
- Free transfers in the Alfa-Click and Alfa Mobile applications from cards of any banks;
- CashBack 5% on everything in cafes and restaurants.
When ordering plastic, you and your child can choose a stylish design. Funny animals or characters from your favorite films will be a pleasant addition to a convenient card that you can safely hand out to your child. Remember the required digital design code and fill out an application at a bank branch.
This is not only fashionable, but also safe, because cash can be taken away, a child can simply lose it, but here it’s easy to control all expenses in a mobile application. In addition, the card allows you to return funds spent up to 5%, no more than 2 thousand in restaurants and cafes.
Various designs of children's cards
If a child is under 14 years old, then he will not be able to choose anything other than the design; his account will be linked to his parent’s. But children over 14 are given personalized plastic, which is linked to their own account.
Tariffs for children's cards
Card cost - 790 rubles per year, but this is not expensive, considering that the debiting of funds can be seen not only in your region, but throughout Russia, and the money from the card is not lost during the transfer. This amount includes the design, linking to the parent’s account, receiving information in the mobile application and personal account.
SMS service is usually charged separately, it amounts to 59 rubles per month. Don’t forget to top up your account on time, as services are usually written off at the beginning of the month and your child may be left with less money than you expected.
Opportunities for parents
Parents can not only control their child’s finances, but also send savings from each purchase to their child’s account.
For example, transferring 10% when spending 32 thousand per month can be accumulated 3200 rubles on account. The cumulative interest in this case will be 7% per annum on the minimum balance on the Savings account.
You can set certain restrictions on spending on the Internet or when making daily payments. Each purchase will be reflected in SMS or personal account. Also in your personal account you can familiarize yourself with all the possibilities that the card allows. Teach your child to count money from childhood, as well as to appreciate what their parents earn.
Cashback and other benefits
In addition to cashback, a card for a child has many advantages. He will not lose his cash, and if he loses his plastic card, it can always be blocked. In addition, many children over 12–14 years old make purchases on the Internet, so they can easily pay with their card.
VKontakte emoticons, various mobile applications - all this will become available if there are allocated funds on the card. When parents trust their child and he does not commit thoughtless acts, then plastic will help him out everywhere.
He can buy movie tickets, go to a cafe with friends, and he won’t have to constantly beg his parents for money. We simply track his spending and replenish his account on time.
The card will help during the trip if the child went somewhere on vacation for the holidays, and Visa and MasterCard are also valid abroad. She will help out in any emergency, if parents are not at home and you need money for lunch or school supplies.
Plastic helps track expenses and teaches a child to plan a budget, and this is not taught in school. And if you want to raise a child who can not only manage finances, but also be successful, then get him a children’s card from Alfa Bank.
This card has 5% cashback in all cafes and restaurants. Which allows you to save significantly. This is a pretty good deal, especially in a big city. It's no secret that children love to eat in cafes and visit McDonald's, so their expenses will not hit their parents' wallets too much.
The card teaches a child to plan his spending from an early age. It helps to save up even a certain amount of money for gifts for parents or friends. Piggy banks are becoming a thing of the past, and now a bank account is becoming a place of accumulation. Even if a teenager wants to earn extra money, he can always transfer his salary to his card in order to save a decent amount of money.
- 5% – for purchases in any cafes and restaurants.
- 300,000 rub. in a day;
- 500,000 rub. per month.
- RUB 1,500,000 in a day;
- 3,000,000 rub. per month.
Interest on balance
No
Individual design
Available
Select from a gallery of designs
Discounts and bonuses
Discount program / Other
The card holder receives Alpha points for non-cash transactions in the amount of:
Alpha points are credited to the client's bonus account monthly, but not more than 2000 points per month. At Alfa-Mobile, points can be converted into rubles at the rate of 1 Alpha point = 1 ruble, after which the Bank transfers the payment to the card account.
Alfa-Bank cardholders are provided with discounts of up to 50% and special offers from partner companies. The discount program is valid in shops, cafes, restaurants, hotels, fitness clubs, medical centers and other service enterprises throughout Russia.
Cash withdrawal limit
300,000 rub. in a day
For cards issued within the Universal Line:
For cards issued as part of the Premium service package:
The holder of the main card can set additional limits on transactions using the Children's Card.
Card type
MasterCard Standard
Mobile app
App Store / Google Play / Windows Store
Payment using a mobile device
Apple Pay / Google Pay / Samsung Pay / Garmin Pay
Contactless payment
MasterCard PayPass
Contactless fare payment
No
Eat
Release and maintenance
- the average total balance on current, deposit and savings accounts, as well as in invested funds in the previous calendar month is above RUB 3,000,000;
- making non-cash transactions using a card in the amount of at least 100,000 rubles. per month and the total average balance on accounts and invested funds in the previous calendar month is above RUB 1,500,000;
- receiving a salary on an Alfa-Bank card in the amount of at least 250,000 rubles. per month.
Card production time
Up to 3 working days
SMS notification
59 rub.
From 2 months
Free – for cards issued as part of the Premium service package.
Registration procedure
Bank office
Mobile bank
Eat
Cash withdrawal
At bank ATMs
No commissionAt ATMs of other banks
No commissionUntil December 31, 2018
At bank branches
1% of the amount- 1% of the amount – when withdrawing less than RUB 100,000.
- No commission – when withdrawing more than RUB 100,000.
No commission – for cards issued as part of the Premium service package.
At branches of other banks
No commissionUntil December 31, 2018
Transfer to a card of another bank
1.95% of the amount
Min. 30 rub. – when transferring through the Alfa-Click Internet bank, the Alfa-Mobile system
Additional Information
A bank card is issued for a child and is linked to the parent’s account (for children under 14 years of age) or to his own account (for older children).
The card can be issued as part of the Universal line or the Premium service package.
Multi-currency card. Special card accounts are opened in five currencies: rubles, US dollars, euros, British pounds sterling and Swiss francs.
Service cost
0 rub.
Annually
For freeNo commission is charged for servicing cards issued under the Universal Line.
For cards issued as part of the Premium service package, starting from the third month of opening/switching to the service package, a service fee of 5,000 rubles is charged. in year.
The fee for servicing the Premium service package is not deducted if one of the conditions is met:
Requirements
Holder age
From 6 to 18 years old
Required documents
Birth Certificate/Passport
Registration
Not required
Income proof
Not required
- Teen Card Credit Ural Bank
450 rub. in year
cashback up to 5%
free service
MasterCard Standard
0000 0000 0000 0000 IVAN IVANOV
Visa Signature Children's (USD) Orient Express Bankfree service
cashback up to 40%
2 euros per year
contactless payment
500 rub. in year
contactless payment
150 rub. in year
contactless payment
0000 0000 0000 0000 IVAN IVANOV
Card No. 1 Children's Orient Express Bank1089 rub. in year
cashback up to 40%
0000 0000 0000 0000 IVAN IVANOV
Youth Unembossed Primsotsbank300 rub. in year
Visa Unembossed
$38 per year
contactless payment
0000 0000 0000 0000 IVAN IVANOV
Youth Primsotsbank600 rub. in year
contactless payment
free service
Mastercard Cirrus/Maestro
360 rub. in year
up to 4% on balance
$8 per year
contactless payment
1200 rub. in year
cashback up to 5%
free service
cashback up to 5%
free service
cashback 5%
0000 0000 0000 0000 IVAN IVANOV
Visa Signature Children's Orient Express Bankfree service
cashback up to 40%
free service
Visa Virtual
180 rub. in year
up to 4% on balance
0000 0000 0000 0000 IVAN IVANOV
Children's card Levoberezhnyfree service
cashback to 10%
590 rub. in year
contactless payment
0000 0000 0000 0000 IVAN IVANOV
Children's card Russian Standard Bankfree service
cashback up to 15%
490 rub. in year
cashback up to 5%
588 rub. in year
cashback 5%
34 euros per year
contactless payment
free service
Visa Classic
499 rub. in year
cashback up to 15%
free service
contactless payment
100 rub. in year
cashback up to 5%
free service
Visa Electron
499 rub. in year
cashback up to 15%
free service
Visa Classic
$3 per year
contactless payment
600 rub. in year
5% on balance
0000 0000 0000 0000 IVAN IVANOV
Visa Signature Children's (EUR) Orient Express Bankfree service
cashback up to 40%
free service
5% on balance
free service
Visa Classic
7 euros per year
contactless payment
Still have questions?
Is it possible to have a negative balance on a debit card?
If we don’t talk about overdraft, which is officially permitted by the terms of service, then the “minus” on a debit card is a rather unusual situation. It is usually technical in nature and can occur for two main reasons. The first is debiting funds to pay for banking services. Examples here include all kinds of commissions: for SMS notifications, cash withdrawals from “other people’s” ATMs, and so on.
The second common reason for an unauthorized (technical) overdraft is conversion when paying in a currency other than the account currency. The pattern of such transactions is such that the final settlement rate is most often established after a couple of days. In this case, it may turn out that, for example, in rubles for a purchase you will have to pay slightly more than the initially written off (blocked) amount. Proportional to the change (over these couple of days) of the exchange rate.
There are also failures in banks and offline transactions, leading to a minus. If in the examples described, the balance is less than the funds being written off, after the write-off it will become negative. Such cases are often accompanied by penalties and restrictions on the functionality of the “plastic”. Usually the problem is solved by simply replenishing the account (in case of failures, contacting the bank).
What is an authorized overdraft?
Permitted overdraft (or simply “overdraft”) on debit cards is most often offered to holders as part of salary projects. This option allows you to use the issuer’s credit funds - in other words, to make expense transactions on credit. The maximum amount of debt is usually commensurate with average monthly earnings, and the term does not exceed one year.
However, it is worth understanding that when the next salary arrives, the funds first go to repay the “minus”. Therefore, in most cases we are talking about a loan for a period of no more than 2-3 weeks. In general, overdraft conditions can vary significantly, and in theory approach the parameters of credit card loans. And its application is also possible in relation to individual (non-salary) debit cards.
What happens if there are not enough funds on the card to pay for a purchase?
In this case, the payment simply will not be made. For example, when using a terminal at a supermarket checkout, an automatic request is made to the issuing bank. If there are insufficient funds, the transaction will not be approved and a corresponding message will be sent. When SMS notification is connected, a message about the requested operation and refusal is usually also sent to the cardholder on the phone. The situation is similar with regard to online payments.
The exception is debit card transactions made offline. Communication with the issuer at the time of making a purchase is not assumed, that is, the balance on the “plastic” account is not checked. Therefore, the amount of expenditure may exceed the amount of available funds, which will lead to a negative balance. However, this type of operation is not very common today.
Which debit cards are suitable for receiving salaries?
Limits and other restrictions, as well as other features of servicing debit cards are contained in the terms and conditions of the corresponding banking products. For example, the maximum withdrawal amounts (per day, per month) and the possibilities for receiving external payments deserve attention. But the vast majority of proposals provide comfortable use of “plastic” as a salary payment. To do this, you must submit an application to the employer’s accounting department indicating the card account details.
Let us note that employers are often extremely reluctant to agree to make payments to the accounts of “third-party” banks, trying to keep employees in the corporate salary project. However, the current version of the Labor Code (Article 136) gives the employee the right to independently choose a credit institution to receive “hard earned money”. Any restrictions in this area are illegal.
Is it possible to access the funds on the card without the card itself?
A plastic card is a tool for accessing funds that are stored in the account linked to it. However, the conditions for servicing bank accounts may differ. Today, many credit institutions are ready to issue funds from card accounts using a passport through a cash desk without any restrictions. Others carry out such operations only when the “plastic” is damaged or lost. Still others limit clients even more, refusing to meet them halfway at all.
One way or another, it is worth remembering: the client has the right to close a bank account at any time by receiving in hand (or sending to another account) the amount of the current balance. If such drastic measures are undesirable, remote maintenance services can “save” you. As a rule, they offer various withdrawal options. True, this recipe does not always work in a number of situations - for example, if the card is blocked.
We also note that in practice this issue is sometimes resolved differently in branches of the same bank. If in one office someone who has lost a card is asked to wait two weeks for a reissue, then in another they can easily issue cash in a couple of minutes.
At what age can you get a debit card?
Formally, debit card holders can be young people from 6 years of age. This circumstance follows from Art. 28 of the Civil Code of the Russian Federation, which establishes this age as the minimum for independent management of funds in a limited segment of situations. The “plastic” is issued in the form of an additional card linked to the account of one of the parents (adoptive parent, guardian). From the age of 14, it is possible to issue a basic card, although the consent of an adult is still required.
In practice, not all banks are ready to offer “plastic” to children under 14 years of age, and sometimes the corresponding instrument is available only from the age of 18. However, there are options on the market that give access to non-cash payments even to primary school students.
Some more useful articles on the topic of debit cards
Useful articles on the topic of debit cards
What is a debit card?
A debit card is a tool designed to carry out various financial transactions. Its main function is to replace paper money. The owner of the debit card is the bank, and the client is its holder. There are debit cards that allow you to spend only your own funds, and cards that allow you to use borrowed funds (with overdraft allowed).
Where can I use my debit card?
Debit cards today are not only a way to get away from “paper” money, but also a convenient payment tool. In the modern world there are more and more opportunities for using plastic cards.
Hilarious cases from bank employees. It's only funny in real life
Banking is serious, but not always. Sometimes clients become the main characters in funny stories and incidents that can amuse and make you laugh.
Good advice
Payment order - what is it?
Funds transfers are carried out in different forms: letters of credit, collection orders, checks. And the first place in the volume of documents on the basis of which these operations are carried out is occupied by payment orders (payments).
Good advice
Sberbank social card for pensioners
The Sberbank MIR social card is intended for recipients of pensions and other social benefits. It replaced the similar card product Maestro “Active Age”. This replacement was carried out in order to implement the requirements of federal law dated 01.05.2017 No. 88-FZ.
Gold card
Plastic cards have firmly entered our lives and continue to continuously expand the scope of their application. Tens of millions of people in Russia use them in everyday life: they pay for goods and services at retail and service points, make money transfers, and withdraw cash. The banking services market offers thousands of card products with a variety of capabilities. However, with such a wealth of choice, plastic cards are clearly divided according to belonging to one class or another.
What are salary cards?
Salary cards are widespread today. Most often, they are formalized as part of the employer’s cooperation with one or another bank. What does participation in such a project give the holder?
Debit cards with interest on balance
The opportunity to earn additional income gives interest-bearing debit cards a significant advantage over products without an interest-bearing option.
How to block a debit card?
There may be various situations in which it may be necessary to block a debit card. Therefore, it is useful to have an idea of the options for performing this operation.
Golden children: how to choose a bank card for a child
According to statistics from the National Agency for Financial Research, a quarter of children in Russia already receive pocket money on a bank card. We’ll figure out how to design such plastic and not get confused in the numerous offers, as well as what difficulties and nuances await young users.
Miru – “Mir”: pros and cons of the national payment system
Today, 35 million people use Mir cards, most of whom are state employees. Such plastic is still unpopular among people who do not work in government organizations: there are less than 4 million such holders. Indeed, Mir still has shortcomings. But there still seem to be more advantages.
Investment life insurance: benefits and risks
Investment life insurance is becoming increasingly popular in the insurance market. People are attracted by the opportunity to make money on investments and at the same time secure the future of their loved ones. But this tool has both pros and cons. Let's see for whom ILI is suitable.
In the name of good: how charity bank cards work
In the USA, charity cards have been issued since the 80s. In Russia, they are not yet so popular, but they definitely have potential: according to statistics, every second resident of the country spends up to 3 thousand rubles on charity. in year. Banks offer cards that will help save rare animals, give children a home, or support lonely old people.
Gift horse: pros and cons of gift bank cards
According to statistics for 2017, 80% of Russians use plastic. This means that the best and most practical gift today is not money, but money on a bank card. We'll tell you what types of gift cards there are, what principles they work on, and what can go wrong.
Plastic in addition: why do we need additional bank cards?
Three-quarters of Russians use bank cards, but not every plastic card owner has their own separate bank account. What are additional cards, how, why and under what conditions to issue them - about everything in order.
Overdraft on a card: how to use it wisely and not become a debtor
In 2008, Nikolay opened a debit card at Sberbank. I connected SMS alerts and online banking, tracked my balance and expenses. Three years later I moved to another city and forgot about the card. In 2018, I received an SMS with information about the debt to the bank. The overdraft is to blame. Let's figure out why an overdraft is useful and when it is better to issue a card without this service.
ISIC cards: privileges and discounts around the world
If you are a student, love to travel and explore the world, and also save money, then an ISIC card would be an excellent solution. Holders of these cards are provided with a large number of discounts and privileges around the world.
Union Pay cards: Yuan in your pocket
For most Russians, a bank card is Visa, MasterCard or Mir. If anyone has heard about Union Pay cards, it is most likely out of the blue. In this article we will talk about the Union Pay payment system and its cards, whether they are worth purchasing and where it can be done.
IYTC Cards: Empowering Young Travelers
Youth is the best time in life, full of hopes and desires. If love, then forever, if travel, then to the ends of the world! Discovering the beauty of the world is especially pleasant if you manage to save on purchases. IYTC cards provide this opportunity to young travelers.
ITIC cards for teachers: an opportunity to save money while traveling
Teachers and educators are representatives of one of the most respected and noble professions. These are people with a broad outlook, opening the world to their wards - pupils and students. We are talking about the ITIC card, which helps you save money when traveling and provides access to additional opportunities in the educational field.
“Dear you are our person,” or what is Private Banking
Just a few years ago, the Russian market for financial VIP services was a pale imitation of the European one. But now our banks have moved from simple service in a separate room with expensive furniture to really interesting offers. First of all, this is a guarantee of anonymity, asset protection and personal conditions for the client.
Far Eastern hectare: develop and build
More than 100 thousand people have applied for a “Far Eastern hectare”, and 40 thousand plots have already been provided for free use. Their owners plan to build houses, conduct agricultural and other activities. We will tell you in this article what kind of support they can count on.
What is SMS credit
Today, to apply for a loan, process it and receive money, you do not need to visit a bank branch or microfinance organization. This can be done remotely - by phone, through an online form on the financial institution’s website, in your personal account, and even by SMS. In this article we will talk about how and where you can get an SMS loan and what its advantages and disadvantages are.
Golden offers for the golden age. The best cards for pensioners
Before retiring, a person should decide how he would like to receive his pension: through Russian Post or in a bank. Read this article about which Russian financial institution treats older people better and where to open an account.
Multicurrency card: why you need it and where to apply for it
A multi-currency card will help you free up space from excess plastic in your wallet, save money on purchases abroad and exchange currency in a couple of clicks on your smartphone. We'll tell you where to order and how much you'll have to pay for convenience.
Priority Pass or how to feel like a VIP
Airport VIP lounges are designed for travelers who prefer comfort while waiting for a flight. There are several ways to get into this zone, which is inaccessible to most passengers: buy a business class ticket, pay money for entry, or participate in the airline’s loyalty program. But the most universal one is the Priority Pass card.
What's in my name: a list of bank names
According to the Central Bank of the Russian Federation, as of June 26, 2018, there are 898 credit institutions in Russia. Of these, 62 are non-banking. Not every one of the remaining 836 banks was imaginative when choosing a name. With which banks everything is clear from the first word, and which names make you think – we’ll tell you in the article.
Numismatics: how to make money on coins
Numismatics is an interesting hobby and a way to earn money. If you have a ten-ruble note “Chechen Republic” from the “Russian Federation” series lying around, consider that your budget has been replenished by 10 thousand rubles. Of course, about 95% of coins are already concentrated among enterprising collectors, but there is a chance that your profit is hidden among the remaining 5%.
Not like everyone else: bank cards with creative designs
The desire to stand out, to have something non-standard is typical for many people. Bank cards are no exception. Financial institutions, catching the needs of clients, produce plastic with an exotic design. We will talk about such cards in this article.
Concierge service: as a personal assistant
The life of business and simply active people is filled with interesting and important events. And sometimes they have neither the desire nor the ability to engage in routine or spend time searching for the necessary information. In such cases, assistants, secretaries and concierge services come to the rescue. We'll talk about it in this article.
How to pay for a purchase in a store without money or a card
Apple, Google and Samsung Pay are no longer perceived as dirty words. Most people with a smartphone and a superficial understanding of banking products have heard about these contactless payment systems for purchases. We will tell you how to gain access to technologies in this article.
Russian Railways Bonus: traveling with benefits for your wallet
The railway, despite growing competition from road and air carriers, is used by many. But not everyone knows that traveling by train can be made not only enjoyable, but also profitable. Russian Railways (RZD) encourage passengers, and we will tell you how to take advantage of this in the article.
What is an individual pension plan
The average insurance pension of a non-working pensioner as of January 1, 2018 is 14,329 rubles. Agree - the money is more than modest. One way to increase the level of income for a future retiree is to sign up for an individual pension plan (IPP).
Free pies with delicious filling: debit cards without service fees
Most debit cardholders have to pay a service fee. To offset these costs, many are looking for plastic with bonus programs, cashback and interest on the balance. However, there are also cards for which the service is free. We'll talk about them in this article.
MCC: “kitchen” of rewards for plastic cards
Banks include cashback and participation in discount (bonus) programs in the terms and conditions of many plastic cards. Holders receive rewards for certain transactions, usually for paying for purchases. You can find out which trade and service enterprises (TSEs) participate in programs and promotions using MCC, which we will discuss in this article.
5 ways to transfer money without commission
Money transfers are one of the most popular financial services. There is a fee for such transactions. However, this is not a general rule. There are several ways to transfer money without commission, and we will talk about them in this article.
SMS notification: peace of mind for free and for money
When choosing a banking product, SMS service, as a rule, is not one of the priority factors influencing the decision. However, in-depth knowledge about this service will be useful. In this article we present the results of a study of the cost and functionality of SMS information offered by Russian banks.
I received money by mistake. What to do?
Money comes to us in different ways, and, as a rule, people have no questions about where it comes from and why. A salary, a lottery win, or an inheritance are all expected, or at least understandable, receipts. But sometimes money falls out of the blue - it is unknown from whom or in a larger amount than it should be. What to do in this case?
How to take money on a trip
In a neighboring city or at the mouth of the Amazon, losing a bank card can significantly ruin your vacation. Instead of photographing caimans and walking through unfamiliar forests, you will have to deal with an empty wallet. It's easy to avoid this if you prepare and store your money correctly.
Sberbank’s new “Thank You” program: quests with finances
In July 2018, Sberbank introduced a modified privilege program. It looks like a computer game. If you complete tasks for three months, you will receive increased bonuses for the same period. If you ignore the tasks, you will return to the starting stage. There are 4 levels of participation.
Good advice
How to transfer money from card to card?
Sometimes a simple operation to transfer funds from one card to another can be complicated by the conditions of banks. How to transfer money without problems? What to do if there are restrictions and delays in translation?
Good advice
I lost my card - how to restore it?
A debit card is a modern and convenient means for carrying out a variety of financial transactions. However, its use is associated with certain risks. One of them is the possibility of loss.
Topical
Stealing money from a card. If you have a bank card, you should know this
Fraudsters are inventing new ways to steal money from bank cards. Which ones are common today?
Topical
Banks will store not only your money, but also your vote
Topical
Dispelling myths about contactless payment cards
For contactless payment cards, you must follow all the same security measures as for others. But don’t forget to “filter” “adult horror stories” and draw your own conclusions, weighing the incoming information.
Good advice
Will the bank pay for everything? What to do if money is stolen from your card
Unfortunately, theft of money from bank cards is not uncommon today. However, in certain situations, the written-off amount can be returned.
Good advice
Tired of faceless plastic and monotonous programs for accruing air miles or cashback? Then this selection is for you. Here are 6 proposals from Russian banks, which certainly cannot be called trivial. Choose according to your taste.
Good advice
The bank protects the safe: how to insure a debit card
More than 1 billion rubles. per year - according to the Central Bank, this amount has been stolen from the bank cards of Russians for several years. To avoid being included in disappointing statistics, you should take care of plastic insurance. We tell you what offers banks have.
Good advice
Bank in your pocket. Advanced gadgets for banking clients
The digital revolution has not bypassed the banking sector: today we can top up our accounts or make contactless payments using small but functional devices. We talk about the most useful of them and how the process of introducing such innovations is going in Russia.
Good advice
Bought on AliExpress - get your money back
AliExpress sells everything from smartphones to duck-beak dog muzzles. The popularity of the trading platform prompted banks to think about creating special cards. With them you can not only conveniently pay for purchases, but also get back part of the money spent. Which plastic can you buy over and over again? We understand the conditions and choose.
Topical
My bank is being sanitized. What does this mean and what to do
Experts from the DIA say that the situation with bank rehabilitation in Russia is improving: today there are only 5 projects launched (for comparison, in 2015 there were 18). But after last year’s high-profile stories with Binbank and Otkrytie Bank, clients are concerned. We tell you why reorganization is not so scary for depositors and what to do if the bank is “recovered.”
Topical
I'm a freelancer. Can my card be blocked?
Lately there has been a lot of talk about blocking bank cards. This issue is especially relevant for freelancers, whose financial transactions often look “suspicious.” Let's figure out what can lead to a card being blocked and what to do if it does happen.
Topical
My bank's license was revoked. What to do?
The “purge” of the banking sector has subsided, but, as experience shows, the revocation of a license can affect any bank. For clients, this news is unpleasant and unexpected. Questions immediately arise: do I need to repay the loan, will the money be lost, and where should I go? We answer frequently asked questions that bank clients face in this situation.
Good advice
WORLD cashback: which bank to choose to get the most out of your card
Cashback is a long-standing and effective “bait” with the help of which payment systems and issuing banks attract customers. MIR cards, which are issued by Russian banks, are no exception. Moreover, for some “WORLD” products you can get a double bonus – from the bank and from the payment system.
Underwater rocks
Which bank to choose - public or private
You have some extra money that makes sense to put into a deposit. Or vice versa, there was a desire to buy something on credit. Then you will probably have to think about which bank to contact - public or private. In this article we will tell you what the difference is between them and what to consider when choosing.
Good advice
Unallocated metal accounts: how easy it is to invest in precious metals
Against the backdrop of economic instability, gold and other precious metals seem to be a safe haven. But storing gold bars at home is not very safe. For such cases, banks offer impersonal metal accounts. We tell you how to become an investor in precious metals without even touching them.
Good advice
How to save on online purchases: cashback cards and online services
Buying online is convenient and fast. Money in virtual stores is spent more unnoticed than in regular ones. Thanks to special offers from banks and online services, online shopping can be profitable. We tell you how to buy equipment, clothes, airline tickets, and anything else you want, and get paid for it.
Good advice
Is it possible to make money on a savings account?
Imagine that you have 30 thousand rubles available, set aside for vacation. The trip is scheduled in 2 months and the idea arises to “find” your money. The first thought is a deposit, but you will have to say goodbye to your savings for at least a quarter. A savings account will help you make your money work without restrictions on its use.
Good advice
How to increase your salary using an individual salary project
Slavery in Russia was abolished in 1861, and “wage slavery” in 2015. What has changed since then and how do banks attract salary clients who have gone free? We'll tell you about the most interesting offers: interest on the balance, cashback, preferential loans and VIP privileges.
Topical
Mobile banking versus online banking: which is safer?
Digitalization of the banking sector is in full swing: more and more people are mastering mobile and Internet banking. We find out which of these services is more reliable, and tell you how to secure your data.
Underwater rocks
Foreign bank account. What kind of reporting to submit?
More and more Russians are opening accounts abroad. This is convenient for those who live abroad permanently or for a long time, and for those who travel frequently. But an account in a foreign bank is not only new opportunities, but also new responsibilities. Let's talk about them.
Underwater rocks
Marketing tricks of bankers
If you are going to place your free money in a deposit or take out a mortgage, then first of all you are looking for the most profitable programs. Financial institutions, of course, respond to these signals and throw tempting offers onto the market. In this article we will talk about what tricks banks resort to to retain and expand their circle of clients.
Good advice
From point A to point B: how to transfer money within the Russian Federation
Probably every person at least once faced the need to send money to another city. Previously, to do this you had to go to a post office or bank and wait in line. Now there are many more ways available: through terminals, ATMs or mobile phones. We talk about all the options in terms of benefits and speed.
Good advice
Save and increase: where to invest dollars
For those who have accumulated a stock of US dollars, the question is whether it is possible to “place” them in our country and make money on it. Let's talk about several ways to invest American currency that can bring income.
Topical
Features of national crowdfunding or how to chip in correctly for a startup
If you had bought $1 worth of Apple shares twenty years ago, you would have earned approximately $22,300 today. Read about whether there is a chance to successfully invest your hard-earned money in 2018 in this article.
Topical
Plastic for superheroes. What cards would comic book characters use in Russia?
Heroes and villains of the DC and Marvel universes often behave like ordinary people: they go shopping, eat in restaurants, travel. We decided to get creative and choose profitable bank cards for popular comic book characters. Will Russian banks be able to satisfy superhero needs? Read our article.
Topical
5 ways to overcome the financial crisis
I would like to think that a financial crisis is something that happens to others. In reality, anyone can find themselves in a situation of debt due to difficult life circumstances or a simple inability to use credit products. We have collected 5 practical ways to help you get out of a financial crisis.
Good advice
Tickets to summer: travel cards
Underwater rocks
What to choose – Priority Pass or Lounge Key
For those who fly frequently and prefer to travel in comfort, spending many hours in noisy and crowded airport terminals is real torture. Participation in one of the international programs for access to airport lounge areas can be a salvation. In this article we will talk about two of them – Priority Pass and Lounge Key.
Topical
Chargeback: how to return money to your card and not get into trouble
Paying for goods or services with a bank card is modern, fast and convenient. True, sometimes misunderstandings arise during such operations. But even if the item paid for by card is not received, the problem can be resolved without going to court with the help of a chargeback.
Good advice
What to do if you were deceived when buying online
The average bill of a person deceived while shopping on the Internet is 15 thousand. rub. It is difficult to calculate how many people were left without goods and without money. Not all victims report incidents because they believe that it is impossible to return the money. This is wrong. We tell you where to look for justice and how to protect yourself from scammers.
Good advice
How to lend money correctly
Situations when someone asks to borrow money are not uncommon. If there is an opportunity to help, people help. But when we are talking about a large sum, it is worth borrowing wisely, without neglecting the rules of the law. This approach will help guarantee a return.
Good advice
Cards with free insurance policy
Many people know that banks offer cards with bonuses for travelers. But not everyone knows about an additional service - free insurance for those traveling abroad. Next, we will tell you why you need a temporary insurance policy abroad, what it protects against, and what bank offers you should pay attention to.
Good advice
Cards to save on taxis
Bank card holders can save on taxis in several ways: receive cashback for trips, exchange points for taxi certificates, and also receive discounts when ordering cars. Such privileges are available to owners of both credit and debit plastic cards. Let's talk about the banks' offers in more detail.
Underwater rocks
Currency transfers abroad
When transferring money abroad, pay attention to the commission, the term for crediting funds and security guarantees. There are three main ways: through a bank, using electronic payment systems or international fast transfer systems. Next, we'll talk about the pros and cons of these options.
Good advice
Aeroflot Bonus: savings and comfort
“Fly with Aeroflot planes!” - an advertisement from the times of the USSR called for it, as if people had a choice. Nowadays there really is a choice, and airlines, operating in a competitive environment, use various marketing techniques to maintain and expand their customer audience. One of them is Aeroflot Bonus, which we will talk about in this article.
Underwater rocks
7 mistakes that bank card owners make again and again
Tens of millions of people use plastic cards in Russia, and, at first glance, this does not require special talent and is accessible to anyone. But the holders with enviable regularity step on the same rake, for which they pay out of their own pockets. We talk about these mistakes and how to avoid them in this article.
Good advice
10 life hacks for Alfa-Bank clients
When applying for a deposit, card or loan, many Alfa-Bank clients do not have a full understanding of the capabilities and limitations of a particular product. In this article we will talk about how to get the most out of what the bank offers, avoiding pitfalls.
Topical
Where, besides insurance companies, can they impose insurance on you?
Insurance companies are in a fierce battle for customers, using a variety of marketing techniques. One of them is the promotion of insurance products through partners. You can take out a policy without even knowing it. We found 5 insurance traps that everyone risks falling into.
Good advice
How to save on conversion and exchange rates abroad
In the 90s, grandmothers sewed banknotes into secret pockets of suitcases and thus protected money from theft. Now, before going on vacation, we have to take into account exchange rates and the bank card payment system. We tell you how not to lose a lot of money when paying for purchases and withdrawing cash abroad.
Good advice
How to check the authenticity of new 200 and 2000 rubles
In 2017, Russians voted to feature Crimea and Vladivostok on new 200 and 2,000 ruble banknotes. The banknotes are already in circulation and are noticeably different in design from conventional money. Cash is equipped with special signs of authenticity, which are verified through the Banknotes 2017 mobile application.
Topical
Creative commercials for banks: hype, banter and 18+
Are you tired of reading yet? Take a break and enjoy a selection of funny and creative videos from Russian banks. You definitely won't want to miss this ad.
Good advice
11 Tinkoff hacks for users of the largest online bank
Bank cards have become a familiar form of payment for goods and services for many of us, because getting plastic is quite simple, all you need to do is contact any commercial bank. But that’s not all, even children, starting from school age, can use plastic, insofar as banks provide such an opportunity. Therefore, we will consider what advantages a children’s bank card provides during the process of registration and use, as well as a list of banks where it can be purchased.
Why does a child need a card?
It is important for every parent to teach their child how to handle money, and it is advisable to instill such skills from early childhood. Another advantage of plastic over cash is that it is almost impossible to steal money from it; even if a child loses his plastic, the funds on it will be under the reliable protection of the bank.
By the way, parents can always control their child’s expenses. Why? Because they are the ones who decide the question of how much he can spend in one day and month. In addition, modern technologies allow holders of the main card to receive notifications about all expense transactions via SMS messages. So, for example, if the holder of additional cards paid for a purchase in a store or withdrew cash through an ATM, the bank account owner will immediately receive a report on the transaction, which will indicate the amount debited and the name of the outlet or ATM address.
Please note that a bank card is a more reliable way to store money that each parent allocates to their child for pocket expenses.
In fact, we can talk endlessly about the benefits of a plastic card for a child. Insofar as banks provide plastic cards to children from 7 years old, in order to attract the maximum number of clients, they offer various programs, for example, a piggy bank service, with its help you can put aside a certain amount into a separate blocked account, and in the future spend it on achieving your cherished goals.
By the way, as already mentioned, parents set a limit on their child’s monthly expenses; he can spend only within the permissible amount; the remaining funds do not transfer to the next month. This allows you to avoid spending that the child’s parents prohibit.
Method of registration and use of the card
First of all, it should be noted that bank cards for children under 14 years of age are not a separate independent form of plastic, because in general the process of obtaining a bank card begins with opening a personal account. In simple words, your money is not stored on the card, it is placed in a bank account, and the plastic is just a key to the account, therefore, if it is lost, nothing threatens the client’s funds if he managed to restrict access to it (block) in time.
So, to open a bank account, the client will be required to provide an identification document; children under the age of 14 do not have one, since a passport can only be obtained upon reaching 14 years of age. Accordingly, only his parent or legal representative can handle the registration of plastic. The registration procedure in all banks is almost the same, that is, the client must contact the bank branch directly and write the appropriate application from the documents he may need:
- passport;
- child's birth certificate.
As a rule, a certain period of time from several days to 2 weeks is allotted for the production of plastic. On the appointed day, the card will be ready, you need to pick it up. Many cards, at least those that meet security requirements, are personalized; on children's cards the name of its immediate owner is displayed.
Please note that the child’s card account is linked to the parent’s account; it can only be topped up by bank transfer by holders of the main card.
For example, if grandparents want to give their grandson a gift and send him a money transfer to his plastic account, they cannot do this for the reason that the funds will still be credited to the main card. But in the future it will be possible to top up your account with an additional one.
Every parent is more concerned about their child’s expenses, so banks have taken care of the safety of children’s plastic cards. In addition to the fact that parents can track all the child’s spending transactions, top up his account, set a limit, block the card and manage his account through remote services, they can prohibit certain types of expenses, for example, withdrawing cash from an ATM or paying for purchases via the Internet.
By the way, a very important point - the parents’ card must be a debit card, that is, you cannot link additional plastic to a credit account. Do not forget that the bank charges a fee for issuing and servicing plastic; if we are talking about a children's card, as a rule, it is either half the price or is issued free of charge.
If the potential card holder is over 14 years old, he can open a card in his own name. That is, a separate independent plastic. To do this, he will need to provide his passport, an identity document of one of the parents and his written permission. From the age of 14, a teenager can independently manage personal funds; in addition, such a card can be used by him to receive wages or social benefits.
Which bank to contact
The opportunity to receive a plastic card for a minor child appeared not so long ago; more precisely, teenage cards from the age of 14 appeared on the financial services market quite a long time ago. But not all banks issue plastic from the age of 7. Let's look at a few current proposals.
Alfa Bank
A debit card for a child under 14 years old from Alfa Bank has a bright design and endless possibilities. The bank invites parents to issue a card with an individual design for a child under 14 years old, linked to their account, and after 14 years old, to a separate one opened in his name. That is, if a teenager has reached the age of 14, he can independently open a bank account and issue a card costing only 790 rubles per year.
What opportunities does the bank offer:
- Track your minor's expenses using a mobile app for parents.
- Cashback up to 5% when paying bills in cafes and restaurants.
- Ability to make transfers in the mobile application.
- Service piggy bank for the child’s own savings.
It is worth explaining how the piggy bank service works; a certain amount, for example, 10% of all expenses, will be blocked in a separate account. That is, as you pay for goods and services with the card, an amount will accumulate on it, for which the bank calculates the account balance at 7% per annum.
Please note that you can order a children's card from Alfa Bank without visiting the office; this can be done online.
VTB Bank of Moscow
There is no specialized offer for children, but, nevertheless, the bank allows its clients to open an additional card, including for minor children. Additional plastic is available for any debit card of VTB Bank of Moscow. In this case, additional plastic will have the same functions and advantages as the main card. The bank account owner will receive a monthly report on expenses on additional cards and set limits.
Binbank
Another bank that offers a debit card for children from 7 to 17 years old. To receive it, parents must order a card and link additional plastic to its account. By the way, if you already have a card, then you don’t need to do this. Next, you can order a children’s card online on the bank’s official website. Issue and maintenance costs, then its cost is 50 rubles monthly.
As for other terms of service, replenishing the card account is free of charge, and there is no fee for withdrawing cash from a bank ATM. Among other things, the bank offers 7% per annum on the account balance, free SMS information and a monthly report by email to the owner of the main card. Here, parents can certainly keep track of their child's expenses and set restrictions and limits on their account.
Sberbank of Russia
At Sberbank, parents can apply for an additional card for their child if they use a debit card. You can issue additional plastic for almost any bank card, except for personal and youth cards. The terms of use here are the same as everywhere else, that is, parents set a limit on daily and monthly spending and receive an SMS notification (if the Mobile Bank service is activated) about all expenses.
You can apply for additional plastic at any Sberbank branch. In addition, in order to set a limit, parents must contact Sberbank directly; more precisely, this must be done if you want to change the limit, otherwise, from the first day of each month, the limit that was in effect in the previous period will be set.
Advantages and disadvantages
In fact, issuing a bank card for a child allows parents to have maximum control over their current expenses, track all transactions, set restrictions and limits. That is, a young user from early childhood learns to control expenses and manage their finances. At the same time, both parents and children can be calm about the safety of their funds.
If we talk about shortcomings, there are practically none. The only caveat is that when choosing a card for your child, special attention is paid to the cost of annual service and other conditions. By the way, as you can see, some banks offer additional bonuses in the form of interest on the balance, while others do not.
Please note that the additional card has an expiration date and, as a rule, it is equal to the expiration date of the parent’s plastic card, that is, after it expires, you need to contact the bank again to have it reissue the card.
To summarize, is it possible to issue a bank card for a child? Absolutely yes. Moreover, several large commercial banks offer this service, so parents can choose the one with which they already cooperate or which offers the most favorable conditions. By the way, one cannot help but note the fact that when choosing a card for a child, you should definitely pay attention to how much control the owner of the main card can exercise over his child’s expenses.
