Sberbank - a card for a child. Bank card for children under 14

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

At what age can I get a Sberbank card? This is a common question. Let's figure it out.

33% of adult Russians give their children pocket money regularly, and 29% - only occasionally. These are the data of a survey conducted by the think tank in the spring of 2015. The data is based on information received from 1,600 parents. 81% of children at the same time receive money in cash. The survey involved children from 7 to 17 years old.

Children don't know about cards

Given the statistics obtained, it is not surprising that children do not know at all what a bank card is and what to do with it. Children under the age of 12, according to the think tank, quite often confuse debit cards with discount and gift cards. In adolescence, children already understand the purpose of the cards, but do not distinguish between their types, payment systems and banks that issued them. The study also showed that children quite often inherit the distrustful attitude of their parents towards children."plastic".

Own plastic cards

Many parents think about teaching their child some financial independence from school. To this end, many banks offer to open their own plastic cards for children. One of the most popular similar offers is a card for a child from Sberbank. You can open it at any branch after filling out the application.

Children's card is issued to a child from 7 years old to 14. In adolescence, a person has the right to independently open a card. In this regard, the cards are divided into basic and additional. Child or supplementary cards are linked to the account of one of the parents, regardless of whether it is a debit or credit card.

Let's take a closer look at what a card for a child in Sberbank is.

Benefits of children's cards

If it is reasonable to approach the issue of its design, then we can conclude that parents have more need for it than children.

The main benefits of a bank card for a child are:

1. Having cash in your pocket is quite dangerous even for adults, not to mention children. Teenagers are the most likely to get their pocket money stolen. If a child has a card instead of cash, even if the plastic is lost, he will not lose money.

2. If you give a child cash for pocket expenses, it is not possible to control where he spends it. A Sberbank plastic card for a child will help in this matter, since with itsusing it, you can track all transactions performed on it. An additional children's card is always attached to the parent's main one. Thus, when a child makes purchases using a card, an SMS notification is sent to the parent's phone. At the same time, you can find out not only the amount spent, but also the specific purchases that were made by the child.

3. If the younger family member is far from home due to certain circumstances, parents can replenish his card at any time. This can be done both through a bank branch and through online banking.

4. A Sberbank card for a child is a sign of adulthood. In this way, you can gradually teach your daughter or son to manage their own finances.

Flaws

The disadvantages of a children's bank card are:

1. The child loses the perception of real cash, because they are not in front of his eyes, but lie on a bank account. For this reason, it may be difficult for him to manage and spend finances wisely.

2. Children tend to share information with strangers due to inexperience and young age. The transfer of data on the card can lead to the loss of funds not only for the additional card, but also for the main one.

3. Due to inattention and mobility, children often lose or damage their cards.

For these reasons, before handing over a bank card for a child, one shouldteach him how to use it properly. This will help you avoid the hassles associated with excessive and unreasonable spending, as well as the handling of plastic.

Description of a children's card from Sberbank

It was mentioned above that the children's card is issued as an additional one to the parent one. The card is presented in two versions of payment systems, it can be "Visa" or "MasterCard". The period of validity of the children's card is identical to the period of the parent. A feature of a bank card for children under 14 is the ability to store not only rubles, but also other currencies, namely euros and dollars.

The disadvantages include the fact that the fee for its maintenance will be charged from the child's account, not the parent's. How large this amount will be depends on the conditions of the main "plastic". A feature of the children's card is the ability to set a spending limit, and the card itself is equipped with a chip for protection.

Not only Russian citizens, but also stateless children can get a children's card. The main condition is considered to be over 7 years old. The registration requires the consent of one of the parents or legal representatives of the child. This will require a personal appeal of the parent with a passport and birth certificate to the bank branch. Then an application for a card for a child from Sberbank is filled out.

Features of the children's card

In addition to the fact that the card is serviced around the clock through the contact center of Sberbank, the holder is provided with the followingoptions:

1. Emergency cash withdrawal in case of loss of the card while abroad.

2. Participation in the bonus program "Thank you from Sberbank" of the main card allows you to earn and use points on the additional one.

3. Payment for purchases by card can be made through online services.

4. Modern 3D-secure payment protection technology makes online card transactions safe.

This is the answer to the question of whether it is possible to make a Sberbank card for a child.

How to top up a child's card?

There are several ways to deposit funds.

- By bank transfer from the main card:

• through a personal account on the Internet;
• in the mobile application "Sberbank Online" on the phone;
• SMS message in "Mobile Bank";
• via ATM or payment terminal.

- Deposit cash to the child's card at an ATM with cash acceptance function or terminal.

- Transfer non-cash from a card of another bank. All details are indicated.

- Through special services Visa Direct and MasterCard MoneySend.

- Top up the card through an employee at the branch. To do this, you only need to name the card number.

In closing

Thus, a children's card is a quick and convenient way to introduce your baby to the money sphere. If you are thinking about starting to accustom your child to financial discipline, this type of card will become your reliable assistant in this.hard business. The card helps to adjust the spending of a young family member to the general budget, however, in case of excessive spending, limit the limit. Convenience is also in the ability to control where the child spends the money received, which will greatly facilitate the life of parents and relieve unnecessary worries.

We looked at how to get a bank card for children under 14.