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Credit Europe BankYouth debit card from T-Bank
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About the card
The Youth Card from Tinkoff Bank is an excellent debit card for teenagers who are just starting to manage their money. With it, young people can easily withdraw cash, make transfers, pay in stores, and get profitable cashback for purchases and up to 5% per annum on the account balance.
Terms
Card issuance, including additional cards, as well as their reissue and home delivery, are completely free. The bank also does not charge a monthly fee for using the cards.
Additionally, you can connect transaction alerts. The cost of this service is 59 RUB per month with a Tinkoff Mobile subscriber number and 99 RUB per month without it.
You can use the mobile app and online banking completely free of charge. Also, the bank does not charge a commission for alerts on card issuance, top-up, activation, blocking, and transactions in online banking and the mobile app.
You can top up your card for free at Tinkoff Bank's own ATMs, as well as via transfer from other banks using any of the methods described 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 Tinkoff partner banks for up to 150,000 RUB per month. Otherwise, you will need to pay a 2% fee.
You can withdraw cash for free at Tinkoff Bank's own ATMs for up to 500,000 RUB per month, as well as at other banks' devices if two conditions are met:
- withdrawal amount from 3,000 RUB;
- monthly transaction amount up to 100,000 RUB.
In other cases, you will need to pay a 2% fee, but not less than 90 RUB.
You can transfer money for free between your own accounts and to other Tinkoff Bank clients. You can make transfers to clients of other credit institutions without commission by phone number via the Faster Payments System.
You can also transfer money to clients of other banks for free by card number for up to 20,000 RUB per month. For exceeding this limit, you will need to pay a 1.5% fee, but not less than 30 RUB.
By paying with the Youth debit card, you can earn cashback on purchases. It is accrued as follows:
- 1% of the spent amount is credited by the bank for regular purchases;
- from 2% to 15% for purchases in selected categories;
- up to 10% for purchases at fast food restaurants;
- from 3% to 30% for purchases under Tinkoff Bank special offers.
The maximum cashback amount you can receive for purchases is 10,000 RUB per month.
You can earn 5% per annum on the balance from 100,000 to 300,000 RUB, provided you make purchases for at least 3,000 RUB per month and have an active Tinkoff Pro, Tinkoff Premium, or Tinkoff Private subscription.
Pros:
- free issuance of primary and additional cards, as well as their reissue;
- free courier delivery of the card to your home or office;
- free card maintenance without additional conditions;
- free use of the mobile app and online banking;
- free card top-up at Tinkoff ATMs, via transfers from other banks, and at partner devices;
- free cash withdrawal at T-Bank ATMs and other banks' devices;
- free transfers within T-Bank and to clients of other banks by phone number via the Faster Payments System and by card number;
- cashback accrual of up to 30% of the purchase amount;
- the opportunity to earn up to 5% per annum on the card balance.
Cons:
- high fees for top-ups, cash withdrawals, and transfers when limits are exceeded.
How to apply
Since Tinkoff has no physical offices, you can only apply for a Youth Card online—in online banking or the mobile app. To do this, you need to:
- go to the T-Bank website;
- click the "Apply for debit card" button;
- specify higher cashback categories, 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 address, date, and time for card delivery;
- click the "Order Delivery" button.
Once you fill out the application form and the bank approves your card request, a T-Bank representative will contact you to coordinate the delivery address, date, and time. On the scheduled day, a courier will meet you with all the necessary documents to sign the service agreement.
Rates
at third-party bank ATMs for amounts from 3,000 RUB per transaction and up to 100,000 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 20,000 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;
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