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Выбирал между несколькими банками, остановился на «Дебетовая карта «Мудрость» от МКБ». Условия совпали с тем, что было на сайте, заявку обработали без задержек. Минус — не сразу попался раздел про досрочное погашение, пришлось искать в договоре. Если продукт нужен без спешки, можно брать.
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Из нескольких похожих вариантов больше всего по платежу и сроку подошел «Дебетовая карта «Mir Supreme» от Газпромбанка». Условия понятные, все есть в договоре. Не понравилось, что итоговая сумма выше, чем выглядит в рекламе. Поддержка отвечает нормально, но по дополнительным услугам лучше переспрашивать.
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Almost every adult has at least one bank card. But what about a child? Do they need a debit card? What are the pros and cons? At what age can it be issued, and what is required? We will answer all questions in the article.
At what age can you get a debit card?
The legislation of the Russian Federation allows opening a bank account in the name of a minor citizen from the moment of birth. However, this can only be done by the child's legal representatives: parents, adoptive parents, or guardians. From the age of 14, a teenager can open a bank account independently.
To open a bank account in a child's name, you need to contact a credit institution and provide the following documents:
- birth certificate and passport, if available;
- identity documents of the representative;
- adoption certificate, act of appointment of a guardian or custodian, and permission from guardianship authorities to open an account, if applicable.
If the child has already turned 14, they can simply visit a bank branch with their Russian internal passport. The presence of parents or other representatives is not required.
Although a bank account can be opened in a minor citizen's name from birth, a debit card can only be issued for it once the child turns 14. At the same time, some banks issue cards for younger children as well. For example, at T-Bank, a children's card can be issued for a child who has turned 7 years old. It is important to understand that in this case, the bank card will be linked to the parent's account.
Why does a teenager need a bank card?
A debit card is a convenient tool not only for parents, but also for children.
We recommend getting a bank card for your child for the following reasons:
- It is very convenient. With a card, your child will always have money with them. You can pay with the card in almost all shops, restaurants, and entertainment venues. And if for some reason the child runs out of money, parents can instantly top up the balance.
- Funds on the card are safe. Even if the child loses or breaks the card, the money remains in the account. Parents can quickly block or freeze the card via a convenient mobile app or by calling the hotline, and then issue a new one if necessary.
- A debit card helps a child improve their financial literacy. It is important to teach a child to treat money responsibly from an early age. A bank card can help a teenager with this. It teaches them how to manage funds, save, and budget. Almost all banks have developed special, user-friendly mobile apps for children to track balances, place money in savings accounts, and analyze income and expenses.
How to open a debit card for a teenager?
If a teenager is under 14, only a parent or another representative—such as a guardian or adoptive parent—can apply for a bank card for them. To get a debit card, you need to do the following:
- Compare the terms at all popular banks that offer children's cards. We recommend paying attention to the cost of account maintenance, the ability to withdraw cash and transfer money to other banks without commission, the availability of profitable cashback on purchases, and the ability to earn interest on the balance of a card or savings account. Another important factor is the availability of a user-friendly mobile app.
- Next, you need to submit an application for a children's card. If the parent is already a bank client, they can do this in their personal account via online banking or the mobile app. You can also apply for a card at a branch of the chosen credit institution. You will need to provide your Russian passport and the child's birth certificate.
- Then, you must provide consent for the child to perform transactions with the card. Otherwise, there is a risk that the bank will block card transactions.
- The final step is receiving the card. You can pick it up at a bank branch or have it delivered by courier to your home or any other convenient address.
Advantages and disadvantages of bank cards for teenagers
A debit card is a profitable and convenient tool for a child. Among its advantages for a teenager, we can note the following:
- With a debit card, a child learns to manage their own funds and plan a budget. Thanks to a convenient mobile app, the child can track their income and expenses, as well as set aside part of their funds for specific goals. Most children's cards provide interest on the account balance. In addition, some banks' mobile apps contain educational information for children to help develop financial literacy.
- A debit card for a child is convenient. It ensures the teenager always has money on hand for their own needs, such as paying for transport, school or university lunches, and so on. If the child is under 14, parents can see what the funds are being spent on via their own mobile app. A father or mother can also always track the card balance and top it up in a timely manner if necessary.
- A bank card ensures the safety of funds. Even if the child loses or breaks the card, the money in the account remains safe. If necessary, a father or mother can instantly block the card and reissue it immediately.
- Most children's cards offer profitable bonuses for purchases, as well as discounts from credit institution partners. For example, Alfa-Bank offers increased cashback of 15% for payments in cafes during the summer.
- Most debit cards provide interest on the balance. This allows the teenager to save money for specific goals and earn a small income from their savings.
- Some banks offer the option to choose an individual card design, meaning the child can choose one that suits their taste.
Children's cards also have disadvantages. Among them, we can highlight:
- The lack of a physical sense of money. Since a teenager does not yet know how to manage money properly, they will spend funds from the card faster. Therefore, we recommend issuing this product only after the parent is sure that their child understands the value of money and knows how to plan expenses.
- Children often lose cards, especially primary school students (grades 1–4). There is a risk that the teenager will lose the card and the money in the account will fall into the hands of third parties. Therefore, it is better to agree in advance that the child will report a lost card immediately.
- There is a high risk of card data compromise. Most children are trusting and inexperienced, so they may give card details to scammers. Therefore, before opening a card, we recommend teaching the child the rules of safe usage.
Where to get a debit card for teenagers in 2024?
Not all banks offer debit cards for teenagers. For this reason, we have selected the top 3 offers in 2024.
T-Bank "Junior"
Issue fee: free
Servicing: free
Transaction alerts: free
Cash withdrawals at other banks' ATMs: free up to 20,000 RUB per month, then a 2% commission (minimum 90 RUB)
Transfers to other banks: free via the Faster Payments System and up to 5,000 RUB per month by card number, then a 1.5% commission (minimum 30 RUB)
Cashback: 1% on regular purchases, 2% on online store purchases, up to 30% on special offers
Interest on balance: none
Alfa-Bank "Children's Card"
Issue fee: free
Servicing: free
Transaction alerts: 99 RUB per month starting from the second month
Cash withdrawals at other banks' ATMs: free up to 100,000 RUB per month, then a 1.99% commission (minimum 199 RUB)
Transfers to other banks: depend on the parent's card
Cashback: up to 5% on purchases in selected categories, 15% for payments in cafes, restaurants, and fast food outlets during the summer
Interest on balance: none
Sberbank "Youth SberCard"
Issue fee: free
Servicing: free
Transaction alerts: from 0 to 70 RUB per month
Cash withdrawals at other banks' ATMs: with a 1% commission, but no less than 150 RUB
Transfers to other banks: free via the Faster Payments System up to 100,000 RUB per month, thereafter with a 0.5% commission, but no more than 1,500 RUB
Cashback: up to 5% for purchases in selected categories, up to 70% at partner stores
Interest on balance: none
All Inclusive debit card from Fora-Bank 
Kids debit card from Alfa-Bank 
Discount Everywhere debit card from MTS Bank 
