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Credit Europe BankTinkoff Junior debit card from T-Bank
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Articles about debit cards
About the card
"Tinkoff Junior" is a popular children's card from Tinkoff Bank. With it, parents can teach their children how to manage pocket money, while tracking their child's expenses and account balance. They can also set transaction limits or quickly top up the card if necessary.
Terms
Card issuance, as well as reissue and maintenance, are completely free. Additionally, you can enable transaction alerts. The cost of this service is 59 RUB per month with a Tinkoff Mobile subscription number and 99 RUB per month without it.
You can top up your card for free at Tinkoff Bank's own ATMs, as well as by transfer from another bank using any of the methods suggested below:
- by card number;
- by phone number via the Faster Payments System;
- via bank account details.
You can also top up your card for free at partner bank ATMs for amounts up to 20,000 RUB per month. For exceeding this limit, you will need to pay a fee of 2% of the transaction amount.
You can withdraw cash for free at Tinkoff Bank's own ATMs and devices of other credit institutions for amounts up to 20,000 RUB per month. For exceeding this limit, you will need to pay a fee of 2% of the transaction amount, but not less than 90 RUB.
You can transfer money for free between your own accounts within Tinkoff, as well as to other bank clients. You can make transfers to other credit institutions without a fee by phone number via the Faster Payments System.
In addition, you can transfer money to clients of other banks for free by card number for amounts up to 5,000 RUB per month. For exceeding this limit, you will need to pay a fee of 1.5%, but not less than 30 RUB.
Like other banks, T-Bank rewards its customers for using their debit card and offers cashback on purchases. You can receive:
- 1% of the spent amount for regular purchases;
- 2% for purchases in online stores;
- up to 30% on purchases at Tinkoff Bank partner stores.
The cashback you receive can be spent on compensating for purchases in online stores and payments at cafes and restaurants at the rate of 1 bonus = 1 RUB.
You can earn 5% per annum with an active Tinkoff Pro subscription and 6% per annum with an active Tinkoff Premium or Tinkoff Private subscription.
Pros:
- free issuance and reissue;
- free maintenance without additional conditions;
- ability to top up the card, withdraw cash, and make transfers without commission;
- ability to receive cashback of up to 30% of the purchase amount;
- ability to receive up to 6% per annum on the account balance;
- online application;
- home delivery.
Cons:
- low limits on cash withdrawals and transfers;
- high commission for cash withdrawals and transfers.
How to apply
T-Bank has no physical branches, so you can only apply for a debit card online — on the official website or in the mobile app. To do this, you need to:
- go to the official website of Tinkoff Bank;
- enter the child's last name and first name, date of birth, and mobile phone number;
- provide the parent's full name, mobile phone number, email address, date of birth, and citizenship;
- click the "Apply" button;
- enter the confirmation code from the SMS message;
- specify the delivery address, date, and time;
- click the "Order Delivery" button.
Rates
at ATMs of third-party banks for amounts up to 20,000 RUB per month — free of charge;
at third-party bank ATMs in other cases — 2%, but not less than 90 RUB
to other T-Bank clients — free of charge;
to clients of other banks by phone number via the Faster Payments System — free of charge;
to clients of other banks by card number for amounts up to 5,000 RUB per month — free of charge;
to clients of other banks by card number in other cases — 1.5%, but not less than 30 RUB;
Calculator
Answers to questions
How will the card be delivered and when?
The recipient of the banking product will be an adult, and delivery is available only via courier or Russian Post. Delivery time is 2 days.
How to properly activate the card?
A parent or legal representative must call the hotline at 8 800 555 22 77 and follow the automated system's instructions.
How do I check my account?
If you are a customer of the credit institution, you can check your account as usual. Download the mobile app and link it to your mobile or online banking.
How quickly can I reset my PIN?
Call the hotline at 8 800 555-22-77 to find out how to properly restore access to your PIN.
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