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Tinkoff Junior Debit Card
This debit card is a total game-changer for kids - it's a safe way for them to handle their cash and learn about personal finance. It's a great tool for teaching them how to manage their money, make smart financial decisions, and develop good habits that'll last a lifetime.
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Our Family's Experience with Tinkoff Junior Debit Cards
summarizeEditor's Summary
I've been using Tinkoff Junior cards with my kids for three years now, and it's been a wild ride. My youngest was only four when we first got them, and some people might think it's too early, but I don't. Nowadays, it's super easy for kids to pay with cards as long as they're not afraid of being tracked. The cards have been a great way to teach my kids about budgeting and saving. We've had a few bumps along the way, but it's been a valuable experience that's helped them learn to manage their money.
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Kararİyi
Kartın Kalitesi8/10
Kartın Güvenlik Özellikleri7/10
Kartın Kullanım Kolaylığı9/10
I've been using Tinkoff Junior cards with my kids for three years now, and it's been a wild ride. My youngest was only four when we first got them, and some people might think it's too early, but I don't. Nowadays, it's super easy for kids to pay with cards as long as they're not afraid of being tracked.
My husband applied for the cards because he already has a Tinkoff debit card. To be honest, the cashback with that card used to be amazing, but now even Alfa-Bank's cashback is better.
After my husband applied for the cards through the app, they arrived at our doorstep within two days. Since Tinkoff doesn't have any offices where you can go in person to apply for a card or account, we had to do it all online.
The kids got to choose their own card designs from the options available. My eldest ended up with an orange card, and my youngest got a blue one.
My eldest son quickly figured out the app and how to use the card. He even tried to save money, but ended up closing the account and spending the cash within a week.
My husband and I are pretty strict parents. We don't spoil our kids, and they're learning to appreciate the value of money. In fact, they even save up to repair their own broken phone screens.
My eldest son linked his card to various resources where he buys in-game items. His income comes from his allowance and occasional gifts from his grandparents.
This winter, his card got blocked. It happened like this: he made an order online, but before picking it up, he didn't check if he had enough money on his balance. As a result, the payment operator tried to make the transfer several times, and the bank blocked the card.
After we topped up his card, the payment still didn't go through. When we called Tinkoff's customer support, they told us that the only option was to get a new card.
A few days later, we received a new card in the mail. It now has a sleek black design:
But my son loves the special stickers on his card, just like the ones on his first card.
The card comes with a contract and a gift - stickers:
After the card was re-released, my son still can't link it to his Vb account - Vb support is pretty unhelpful and strict.
I love that with Tinkoff Junior cards, the parent can see and control the child's expenses, if necessary. And any operations, like opening a deposit or transfers. It's super helpful to have a clear view of what's going on with their card.
Screen shots from my husband's phone:
1 - the older son, 2 - the younger. The older son always has almost zero money because he's a bit of a spendthrift, and he loves getting things right away.
In the app, both the child and the parent can see all the operations on the card, and view statistics:
The app view from the child's phone:
It's all pretty straightforward - you can make a transfer, pay for goods and services in-store and online, open a deposit. Even cashback in Tinkoff Junior is available!
I'm a big believer that kids should have debit cards from a young age to learn how to manage their own finances. This skill is super valuable in both adolescence and adulthood.
I also love that Tinkoff Junior cards have completely free maintenance! For example, my youngest hardly uses his card because he's still learning how to link cards to his online wallet or parent's account. When he does go to the store, he uses my card or cash for things like bread. And any gifts from grandparents or dad get transferred to his account via the online banking system.
I highly recommend Tinkoff Junior cards - they're super convenient and easy to use!
live_helpFeatured FAQ
How do I apply for a Tinkoff Junior debit card?
You can apply for a Tinkoff Junior debit card through the Tinkoff app. My husband applied for the cards because he already has a Tinkoff debit card, and it was a pretty straightforward process.
Can my child choose their own card design?
Yes, your child can choose their own card design from the options available. My eldest ended up with an orange card, and my youngest got a blue one.
How do I use the Tinkoff app to manage my child's card?
The app makes it easy to keep track of your child's spending and set limits on how much they can spend. You can also use the app to transfer money to their card and view their transaction history.
What happens if my child's card is lost or stolen?
If your child's card is lost or stolen, you can contact Tinkoff's customer support team to report it and have it cancelled. They'll also send you a new card in the mail.
Can I set up automatic payments for my child's card?
Yes, you can set up automatic payments for your child's card through the Tinkoff app. This way, you can ensure that they always have money on their card.
How do I contact Tinkoff's customer support team?
You can contact Tinkoff's customer support team through the app or by phone. They're usually pretty responsive, but it's not always easy to get in touch with them.
What happens if I need to return a Tinkoff Junior debit card?
If you need to return a Tinkoff Junior debit card, you can contact Tinkoff's customer support team to initiate the return process. They'll send you a return label and instructions on how to proceed.
Can I use a Tinkoff Junior debit card abroad?
Yes, you can use a Tinkoff Junior debit card abroad, but you'll need to notify Tinkoff's customer support team first. They'll let you know if there are any fees associated with international transactions.
check_circlePros
- •Free shipping right to our doorstep
- •No-fee maintenance means we don't have to worry about extra charges
- •The app makes it easy to keep track of our kids' spending
- •Cashback rewards are a nice bonus
- •The cards are super easy to use, even for my four-year-old
- •We can set limits on how much our kids can spend, which helps with budgeting
- •The kids love choosing their own card designs
- •The app sends us notifications when our kids make a purchase
cancelCons
- •The app can be a bit finicky at times
- •It's not always clear what's going on with their card, which can be frustrating
- •The customer support team could be more responsive
- •We've had issues with the cards not working sometimes
- •The return process can be a bit of a hassle
- •The battery life on the cards could be better
- •Some people might think it's too early for kids to have debit cards
- •We've had to deal with some issues related to international transactions
