How old do you have to be to get a bank card? Youth cards. Debit cards from 14 years old

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

More than a third of parents regularly give their children pocket money for personal expenses, another third do it from time to time. Schoolchildren and students under 17 receive most of their funds in the form of cash, but very few use plastic cards.

At the same time, even some psychologists and financial experts point out the need to involve the child in financial matters from school age. So by the time he is a student, he will learn how to properly manage his earnings, make savings and spend money wisely, and parents will be able to control how much money the child spent and in which stores.

Features of Russian legislation

How old do you have to be to get a bank card? In accordance with current Russian legislation, a minor citizen has the right to keep his funds in a financial institution without the consent of his parents or other guardians from the age of 14, to independently manage his ownearnings (stipend, salary or other income). This means that issuing a regular bank card attached to a separate account should be a normal banking service for customers aged 14 and over, but so far this is only possible at Sberbank of Russia.

In some financial institutions, you can open a bank card not only for a student, but also for a student. At what age is this service available? Sberbank offers the "7+" card from the age of seven, and "Binbank" - "Junior" even from the age of six. True, such a credit card will be attached to the account of one of the parents. You can set a spending limit, often there is a cashback or other savings system, for example, interest on the balance on the card. All conditions for the main card, including service fees and bonus programs, apply to the children's one.

Bank offers for pupils and students

In most major banks, you can open a card for a student, but only to an existing account and with the written consent of parents or other legal guardians. From any age of the child, you can order the issuance of an additional card to the account at Alfa Bank, VTB or Otkritie Bank, Rosselkhozbank and Sberbank. But there are special offers for children (including name cards) only in Binbank or Sberbank.

But students already have plenty to choose from. From the age of fourteen, a teenager can already open his own bank account. Young people are offered quite profitable options with increasedcashback, high interest on the balance, bonus programs and low maintenance costs. At the age of eighteen, a student can order the issuance of almost any plastic card (except platinum or gold, and even then not everywhere) at any bank in Russia.

"Visa Junior" from "Binbank" for schoolchildren from the age of six

How old do you have to be to get a bank card? "Binbank" offers to get a plastic card even for first-graders. The Junior card is a special banking product that will allow children from school age to learn how to manage pocket money, and parents to unobtrusively control spending.

The design of the card is made in the form of bright comics with superheroes. The service is free, only if the card is not registered, and the issue costs 250 rubles. For registration, a passport of one of the parents and a birth certificate or passport of the child - the owner of the card are required. The child must also have their own mobile number.

When a Junior is issued, a Platinum card is issued to the parent, if this card already exists, no additional issues are required. A child's credit card is not tied to the parent's account, but the parent can set limits, allow or prohibit the possibility of paying via the Internet, replenish the child's card from their own or through an ATM, and also see information about all expenses (an SMS message arrives).

More "Binbank" regularly publishes on the official website of "Junior" fascinating comics that teachfinancial literacy, special promotions and contests for children's cardholders.

Card "7+" from Sberbank for children from seven years old

How old do you have to be to get a bank card? If at least one of the parents is a client of Sberbank, he can open limited access to his account to the child or order the issuance of an additional card. An additional credit card is issued in the name of the child, and the cost of service, currency and validity period depend on the main one. You can change spending limits, as well as order the issue of an additional card for a child, only at a Sberbank branch.

Other youth offers from Sberbank

Sberbank offers citizens from the age of 14 youth cards with favorable service conditions. "Youth" card is issued for young people from fourteen to twenty-five years. The cost of service is only 12.5 rubles per month - this is the cheapest banking product. Holders of the "Youth" "Visa" can participate in the "Thank you" bonus accumulation program.

The Momentum card is free of charge, but does not contain the owner's personal information. Other debit cards from 14 years old are also available:

• classic with individual design (issue price is 500 rubles, maintenance - 750 rubles for the first year, and 450 for subsequent years);
• Russian Mir card, which can be paid only in Russia (750 rubles per year for service);
• debit "Aeroflot" allows you to receivebonus miles (one mile per dollar spent) if you pay with your card in stores, cafes and restaurants, get better service and buy products of program partners with discounts;
• classic "Give Life", with which the bank transfers part of its income and 0.3 percent of the purchase amount to a charity.

Favorable "Student" card from "MTS Bank"

"MTS-Bank" offers for students from 18 years of age a youth card "MasterCard Student" with free service. The advantage of the card is an increased cashback (3% in the first three months and 1.5% thereafter) from any purchases, while many banks offer high interest rates only when paying for goods and services of partners.

ISIC card for active students from Rosbank

How old can I get an ISIC bank card? For active young people who often travel or study abroad, the ISIC youth card from Rosbank, which operates in 120 countries, is more suitable. With a credit card, which is also an identity card, you can visit museums for free and use the loy alty program not only in Russia, but also in European countries. And ISIC is an international support service, favorable insurance and the opportunity to get a discount on telephone calls up to 70%.