Kids debit card from Alfa-Bank

Card issuance, as well as reissue due to expiration, are completely free. You will not need to pay a fee for issuing a new card to replace a lost one. 

Annual card maintenance is free with no conditions required. Additionally, you can enable transaction alerts. The cost of this service is 99 rubles per month.

You can top up your card for free at Alfa-Bank's own ATMs, as well as by transfer from another bank in any of the following ways:

• by your bank card number;
• by the phone number linked to the Alfa-Card via the Faster Payments System;
• via bank account details.

You can also top up the card for free at ATMs of Alfa-Bank's partner banks.

You can withdraw cash from the Alfa-Card for free at Alfa-Bank's own ATMs and partner bank ATMs. Today, these include:

• Credit Bank of Moscow (CBK);
• Ural Bank for Reconstruction and Development (UBRiD);
• Gazprombank;
• Promsvyazbank;
• Russian Agricultural Bank.

You can also cash out the card for free at ATMs of other banks for up to 50,000 rubles per month if you meet one of the following conditions:

• make purchases of 10,000 rubles or more per month;
• maintain a minimum card balance of 30,000 rubles or more per month.

If you exceed the limit or fail to meet the conditions described above, you will need to pay a fee of 1.99% of the transaction amount, but not less than 199 rubles.

You can transfer money for free between your own accounts, as well as to other Alfa-Bank clients. You can make transfers to clients of other credit institutions without a fee by phone number via the Faster Payments System with no limits. You can also transfer money to other banks for free by card number if you meet one of the conditions:

• make purchases of 10,000 rubles or more per month;
• pay for a subscription, which costs 149 rubles per month.

In other cases, you will need to pay a fee of 1.95% of the transaction amount, but not less than 30 rubles. 

Conditions for intra-bank and inter-bank transfers depend on the parent's card tariff.

Like other credit institutions, Alfa-Bank rewards its clients for using a debit card and awards cashback for purchases. Thus, by paying with the Children's Card, you can receive:

• 1% of the spent amount for regular purchases;
• 5% for purchases in cafes, fast food, and restaurants.

Alfa-Bank awards cashback in real rubles. That is, no later than the 15th day of the month following the billing month, the money will be credited to your card account, and you can spend it at your discretion. The maximum cashback you can receive is 2,000 bonus rubles per month.

Pros:

• free issuance, as well as reissue due to expiration;
• free courier delivery to your home if you live in a city within the bank's service area;
• free maintenance without any conditions.
• free use of the mobile app and online banking;
• free top-up at Alfa-Bank ATMs, via transfers from other banks, and at partner devices;
• free cash withdrawals at Alfa-Bank ATMs and other banks' devices up to 50,000 RUB per month subject to the terms of the agreement;
• free transfers within Alfa-Bank and to clients of other banks by phone number via the Faster Payments System and by card number, if the parent has the same tariff plan;
• cashback accrual of up to 5% of the purchase amount;
• cashback paid in real rubles.

Cons:

• free transfers only when making purchases of 10,000 RUB or more per month or when the subscription is paid for by the parent;
• high commission for top-ups and cash withdrawals when limits are exceeded.