Bank cards for children in Belarus. Adventures of a boy with the police and in the store. Children's bank payment card: how to apply and use. Children's bank card – Mommies BY

The first bell has rung, and you are sure that your child is fully equipped for the start of the school year. But there is one detail that many moms and dads definitely missed. How will your child buy buns in the school canteen, how will he pay for his favorite encyclopedia in the bookstore, and how will he buy a movie ticket?

We invite progressive parents to plunge headlong into the children's cards that Belarusian banks offer today.

Card for children, account for adults

Your child may not be the rightful owner bank account until he reaches adulthood or at least turns 14 years old. However, he can start using a payment card after reaching 6 years of age. Many banks will offer you to issue a children's card to your “adult” account. Legally, you will still be the owner of the account and the main card, but the holders of an additional children's card can be a child aged 6 to 18 years.

Limits: bun is allowed, Playboy is not allowed

One of the operating principles of “children’s” plastic is to trust, but verify. The owner of the account to which the child's card is issued can quickly set and change the limits of funds on the card of his ward.

In addition to the standard limits on the amount of funds and the number of banking operations over a certain period of time, you can manage the types and types of transactions carried out.

Parents can set restrictions on cash withdrawals and non-cash payments, including on the Internet. A number of banks also provide the opportunity to control the list of stores and services where the child is allowed to use his card. For example, prohibit payments with children's cards in clubs and casinos, but allow payments in stores and when purchasing a travel card.

Test work by bank transfer

Banks offering card services for children are well aware of the importance of monitoring the spending of funds by the younger generation. Parents can see how wisely their offspring are spending money on the card by viewing the monthly expense breakdown. The bank sends such information free of charge to mobile phone or email address of the main account holder.

For tighter control, you can set up daily monitoring of your child’s spending.

A card that grows with your child

“Children’s” plastic is a wonderful educator of financial literacy in a child. From an early age, young clients learn to plan expenses, set priorities correctly, and interact with the bank, and not only on payment issues.

— Today, many mothers and fathers have come to the conclusion that their child should also use modern payment instruments. Payment cards develop useful financial skills in children, which will certainly be useful to them in adult life - tells Elena Lagunina, head of the development department of the payment card settlement center of Belarusbank. - Thanks to affordable conditions When issuing children's cards, our clients are children from ordinary Belarusian families, regardless of income level.

Today, more than 3,000 Belarusian children use Belarusbank cards .

The children's card will not only accompany your child to the buffet and bookstore, bankers promise that it will grow with him.

— We see great potential in the children’s card segment and will develop this product, but let everything we have planned remain a surprise for now,— a representative of Belinvestbank answered us.

— In addition to two types of children’s cards, which we are actively developing, Belarusbank has a joint pilot project with the Ministry of Education - “Student Card”. Today, 11 schools in Minsk are connected to the project, and the children who are holders of such a card can use it not only as payment instrument, but also as a pass to school and classrooms,— Elena Lagunina shared information.

Cards for children: as simple as twice two

To obtain a child card you will need only 2 documents:

— passport of the parent or legal representative of the child;

- birth certificate or passport of the child.

Some banks provide an online application service for opening a children's card using the Internet banking system.

— Even if parents have issued a child card at our bank via Internet banking, in order to save their time, we recommend that they pick it up at a bank branch together with their child. Children, as a rule, get a lot of positive emotions from this,— Vadim Golovchits shares his experience.

Well, progress is inexorable: electronic textbooks, online diaries and payment cards instead of stuffed change for a bun.

All that remains is to choose which bank to entrust with the financial education of your child.

A review of offers of children's cards from Belarusian banks as of September 1, 2015 (cards for children over 6 years old) will help you.

Many modern parents believe that children should be taught to plan their expenses from the moment they begin to count. But any theory is better learned in practice. For example, great way in this case, issue a bank payment card for children, which they can use themselves. Only here there are nuances.

Firstly, setting limits independently (daily/monthly), and secondly, whether the owner of such an additional card still has the capabilities of the parent card, for example, Internet banking.

Or what to do if a child decides to pay with such a card in a store, but does not have a passport.

The head of the Card Center, MTBank Retail Operations Service Department, will help readers of the portal understand these and many other questions. Nadezhda Denichenko.

Card design algorithm

The account owner and main card holder can only be a person over 14 years of age. Children under this age are allowed to be issued only additional cards under agreements concluded with their legal representatives. For example, in our bank, to issue a “children’s” payment card, you need to go to any branch and write an application form to issue an additional card to your account in the name of the child. Both adults and children must have an identification document with them. The same algorithm should work in other banks in the country.

Age of children for issuing a bank card

A bank payment card is issued for children aged 6 to 18 years (as a rule, more often from 10-12 to 18 years). It can be issued as a main one (for persons over 14 years of age) or additional. Additional cards at MTBank are personalized, that is, the holder’s name and surname are printed on them. The holder of the main card is the owner of the account to which this card was issued.

For children aged 6 to 14 years, a “children’s” payment card is issued as an additional payment card only to the accounts of their legal representatives (parents, adoptive parents or guardians).

It is clear that it makes sense to make a payment card only for a child who is able to independently withdraw money from an ATM, pay in a store/cafe/cinema, sign a check and present (if necessary) a document, etc.

Controlling your child’s spending of money

Many parents are concerned about controlling their children's expenses. We provide this opportunity. Thus, the account owner can set a limit on expense transactions on a “children’s” card, which allows you to limit the child’s use of a certain amount of money during the day and month.

Please note that only the account owner has the right to set limits on a payment card. Limits are set in the format: amount/number of cash/non-cash transactions per day/per month in the territory of the Republic of Belarus/outside the Republic of Belarus.

In addition, using the Internet banking service, the account owner has the opportunity to quickly (online) control the movement of funds in the account. Internet banking service is also provided only to the account holder.

Functions of a “children’s” bank payment card

In terms of their functionality, “children’s” payment cards are no different from other payment cards.

Holders of “children’s” cards can perform the following transactions using payment cards:

1. Withdraw cash from ATMs and points of sale

2. Make payments for goods/services in trade and service organizations

3. Pay for services at ATMs, self-service terminals and information kiosks

4. Pay for goods and services on the Internet

It is important to remember that the account owner will be responsible for all transactions performed using additional cards.

Previously in the series " Financial literacy» with MTBank

Card for every day

0 BYN

You do not pay for issuing the card.

Everything's under control

Set limits and control your child's spending.

Cashback 3%

Refund part of the cost of purchasing tickets for BelZhD trains.

The bank has the right to unilaterally change the list of included services and the terms of their provision. About these changes the bank informs by posting relevant information on the bank’s website - website

We are always there

Mobile M-Banking

Pay bills, transfer money and do anything else in mobile application. It's free

Internet banking

Monitor account balances, make payments, open deposits from your smartphone, tablet or computer.

Apply for your card once or twice

BELKARD "Children's" can be issued to minors aged 6 to 18 years as an addition to the account of an adult individual.

Documents required to issue a card

1. When issuing a card for the account of a parent, adoptive parent, or guardian:

2. When issuing a card for the account of an individual who is not the legal representative of the child:

2.1. in the case of the presence of a child’s legal representative when issuing a card at a bank institution:

• details of the child’s identity document (if a minor under the age of 14 does not have one, details of the birth certificate);
• identification document of the child’s legal representative (passport, residence permit, refugee certificate);
• a document confirming the status of the child’s legal representative (birth certificate, adoption documents, decision of the guardianship and trusteeship authority, etc.);
• written consent of the legal representative, executed by him personally at the bank office on the application for the issuance of an additional card in the name of the minor;

2.2 in the absence of a child’s legal representative when issuing a card at a bank institution:

• an identification document of the account holder (passport, residence permit, refugee certificate);
• details of the child’s identity document (if a minor under the age of 14 does not have one, details of the birth certificate);
• notarized consent of the legal representative to dispose of funds in the account using a bank payment card issued in the name of the child.

2. Pick up the finished card

Don't forget to bring your identification document with you passport/residence permit/refugee certificate

The younger generation is quickly mastering the latest technologies and strives to be advanced in all areas of adult life. The financial sector is no exception, including payment cards, whose popularity is now difficult to dispute. Every day everything more people get acquainted with the advantages of non-cash payments.

Using a bank card, it is very convenient to pay for goods and services and use your account around the clock through the largest network bank branches, ATMs, information kiosks. Using a mobile phone and the Internet, you can quickly control expenses and receive detailed information about all transactions performed.

To date, about ten million cards have been issued in Belarus, with about half issued by Belarusbank. Special attention the bank devotes its attention to the development of new banking products for all family members: for parents - these are salary cards, for students - BELKARD “Student”, for people of retirement age - cards with an increased interest accrued on the balance of funds in the account. And of course, presented for children special type a payment card, the use of which allows a child to feel independent and grown up.

BELKART “Children's” payment cards are issued by Belarusbank for young clients from 6 to 18 years old. They can be used throughout Belarus.

The children's card is issued to the account (already existing or new) of the bank's clients. And not only parents, but also grandparents, close relatives.

Each child is unique, and therefore the designs of children's cards are unique. On front side an image chosen by the child himself, parents from family archives or from a design gallery offered by the bank can be applied. Thus, a unique card can display a photo of a pet, group photo family members or just a beautiful landscape.

Upon entering adulthood, the child gradually becomes accustomed to independent calculations. At a minimum, this means paying for breakfasts and lunches at school, running errands for adults to buy some groceries in the store, funds for pocket money. For all It is children who are usually given cash. Belarusbank offers to take advantage of the opportunities latest technologies and transfer such expenses into non-cash form.

Children's cards are serviced almost everywhere: in shops, cafes, other trade and service organizations - in a word, in the same places as other cards. In addition, the child can withdraw cash from an ATM or bank cash desk.

Holders of BELKARD “Children's” cards also make non-cash payments at information kiosks, from a mobile phone, using SMS banking services or mobile banking(for example, to pay for a mobile phone or Internet service providers).

Transactions on the card are more “transparent” for parents than spending in cash, because you can easily control the expenses of your son or daughter: after any operation on the child’s card, an SMS notification is sent to the mobile phone of one of the parents about how much money has been spent. At any time, you can request an account statement, which contains the history of all card transactions. In it, moms and dads will see the date and place of the transaction, its amount, as well as the amount of possible fees for withdrawing cash. You can receive an account statement by contacting the bank in person with presentation of an identification document (passport) or by e-mail. So, at the end of the month, you can sort out together with your child which expenses were justified and which ones it would have been better to do without. An opportunity will arise
analyze expenses and learn to control them.

To ensure that the child does not spend more than agreed with the parents, a certain limit is set on the amount of transactions that can be carried out using the child’s card within a day or week. If the child decides to spend more, the bank simply will not allow the transaction (both when withdrawing money from an ATM and when paying in a store).

How and where to apply for a card?

You can order a children's payment card at any branch or center banking services bank or through a special section of the Belarusbank website in the “Individuals” section – “Cards for individuals” – “Cards with individual design” – “Order a card.” Here you will see what the finished card will look like. And as soon as the design is approved by the bank, a notification will be sent to the e-mail you specified. Then you should contact the selected bank institution to pay the cost of the card and complete the documents. When applying for a card, parents must present their passport and the child’s passport (if absent, a birth certificate).

How much does it cost to get a card?

A card for children is issued with a validity period of one or two years and costs 75,000 or 80,000 rubles, respectively.

Is a card issued to a child if
Are parents' salaries paid not to a Belarusbank card?

Parents just need to open an account with Belarusbank by issuing a payment card for it. A BELKART card is offered, for which there is no fee charged. Parents will replenish the Belarusbank card on their own, and for the child they can additionally issue a “Children’s Card” to their card. In this way, the child will manage funds within established limit and use your own card.

Is it possible to issue several cards at once for one account?

If the client wishes, several cards can be issued for one account, thereby giving several children the opportunity to manage personal “bank wallets”.

What to do if the card is lost?

In this case, parents (or child) will always be able to quickly block it. It is enough to make a call to the service department of the bank processing center and then submit it to the cards established in the agreement on the use of the card. deadlines for a written application to the bank institution.

A children's card is best opportunity for children to learn how to plan their expenses and use banking services. The card can also be an original birthday gift.

A child, mastering the use of a card, will feel truly independent and at the same time prepare for adult life. After all, it’s not only never too late to learn, but it’s also never too early!

Attention! Competition
We invite girls and boys to think through an unusual design for the image of a children's card. Send sketches and colorful drawings to the editorial office by mail: 220013 Minsk, Nezavisimosti Ave., 77. The best author's developments will form an exhibition exposition, and designer-artists will be rewarded in the form of an excursion to the museum of JSC ASB Belarusbank.
By email [email protected] We are waiting for meaningful messages from readers who already use bank children's cards or only dream of becoming their owners.

As AiF explained in National Bank, legal basis the disposal of minors' funds in banks and their receipt of various banking services are Articles 25 and 27 Civil Code The Republic of Belarus. These articles define approaches to committing minor transactions and their disposal of property, including cash in bank accounts.

Citizens who have reached full legal capacity – 18 years of age – can independently open a bank account in our country. In the Republic of Belarus, children under 14 years old cannot open a bank account. Property liability for transactions of a minor under the age of 14, including transactions made by him independently, is borne by his parents, adoptive parents or guardian. Bank deposits(deposits) made in the name of minors are also managed by their parents, adoptive parents or guardians.

Therefore, in this case, children can only receive an additional card, which will be linked to the account of the main card holder. Its owner is responsible for all transactions carried out on the additional card account.

From the age of fourteen, a child has the right to independently, without the consent of his legal representatives, manage his earnings, scholarships and other personal income, and carry out small household transactions. He can also deposit funds into banks or non-bank financial institutions and dispose of them in accordance with the law. At this age, you can already give your child a basic (debit) card.

Minors aged fourteen to eighteen years make transactions with the written consent of their legal representatives - parents, adoptive parents or trustees. A transaction made by such a minor is also valid with the subsequent written approval of his parents, adoptive parents or guardian.

A minor who has reached the age of 16 may be declared fully capable if he works under employment contract(contract) or with the consent of parents, adoptive parents or guardian is engaged in entrepreneurial activity. A minor is declared fully capable (emancipation) by decision of the guardianship and trusteeship authorities with the consent of both parents, adoptive parents or trustee, and in the absence of such consent - by a court decision.

Money under control

Each bank sets its own rules for opening card accounts for children. So, in Belagroprombank he can open a banking plastic card for children and adolescents aged 6 to 18 years. For persons aged 6 to 14 years, cards are issued as additional to the card accounts of their legal representatives (parents, adoptive parents, trustees). For teenagers aged 14 to 18 years, the card can be issued as either a primary or an additional card. At Belarusbank, a “children’s” card is opened for children aged 10 to 18 years. At Belrosbank additional card can be issued for a child at least 16 years old. At Belgazprombank, a minor can receive a plastic card from the age of 14.

To control the child’s spending of funds, banks offer their legal representative the opportunity to set a limit on spending funds on the card (for example, 10,000, 20,000 rubles per day), as well as activate the “SMS-informing” service. You can also receive a card account statement that tells you where, when and how much money your child withdrew. Payment for annual maintenance an additional card is usually less than the service fee for the main card.

By the way

In general, an additional card can be issued for any family member. To do this, you need to come to the bank, write an application and issue a power of attorney or additional agreement to the card account agreement.