According to research, the vast majority of the teenagers (87%) get money for pocket expenses.40% of teenagers have their own savings. Interestingly, the children born after 2010 are adept at saving rather than expend. Thus, more than 50% of schoolchildren will set some money apart if they get 500,000 soums for their own expenses, and 31% - the amount in full. The remaining 19% will lay out the money at their own discretion.
To give money "to a pocket" or not-is a dilemma for each parent. On the one hand, the sooner the child learns to manage finances, the better. On the other hand, giving out cash is risk bearing: what if the high school students will take them away.
Now it is not necessary to give money for pocket expenses in cash - it is possible to issue the children's plastic card in “Kapitalbank” JSCB and to manage it in the mobile app Apelsin. At the age of 10 your child can have his/her own account at the bank and his/her own HUMO card from the KapitalBank. Opening a plastic card for children and teenagers from 10 to 16 years-is totally free of charge. If the child does not already have a passport, then the child's birth certificate, passport and written consent of one of the parents or guardian will be required for registration of the account.
Now, when your child is a happy user of a bank card and the new mobile app Apelsin he/she has the right to dispose of money as he/she wants, and parents will have to learn to trust the decisions of their child.Do not forget to give a talk about swindlers and that it is not allowed to tell the pin code of his/her card.On of the advantages: the salary card is now safe - no need to send children to the store with a full-house sum and worry about possible loss. The parent is safe and secure, the money is protected, and the child is free to spend. You can transfer money to the card at any time and from anywhere in the country and the world. Moreover, transfers between the “Kapitalbank” JSCB cards – is 0%.Psychologists believe that by the age of 10 children are fully aware of the value of money and make independent, and most importantly conscious purchases. Teach your children to understand the value of money and properly dispose of them. Open plastic children's cards in “Kapitalbank” JSCB for free even today.
REGULATIONS for comprehensive banking servicing of individuals in the "Kapital24" retail business branch of “Kapitalbank” Joint-Stock Commercial Bank
Bank’s service / condition for provision of the service
Rate of commission fee to the Bank charged to the Client for the transactions performed by the Bank
|a)||The issuance of the primary card||No charge applied|
|b)||The issuance of the additional card||No charge applied|
|c)||Re-issue of the primary and additional cards in the case of loss or deterioration||10 000 UZS||Excluding cases of the card failure for reasons beyond the control of a client|
|d)||Blocking the card in the case of loss or deterioration||No charge applied|
|e)||Period of validity of the card||5 years|
|f)||Replenishment of the Card account:||No charge applied|
|g)||Transactional processing on manual cash in the cash desk of the «KAPITALBANK” JSCB||No charge applied|
|h)||Transactional processing on merchandise and service payment in the terminals network of the «KAPITALBANK” JSCB||No charge applied|
|i)||Transactional processing on manual cash from the card account in the cash desk of another bank or through automatic teller machine(ATM) of another bank||At the rate of the servicing bank|
|j)||Transactional processing on merchandise and service payment in the terminals network of other banks||At the rate of the servicing bank|
|k)||Cashless transfer from the card account as referenced by card holder||No charge applied||
|l)||Re-issue of a card upon the expiration of the card||No charge applied|
Opening a plastic card for children and teenagers from 14 to 16 years-is totally free of charge. If the child does not already have a passport, then the child's birth certificate, passport and written consent of one of the parents or guardian will be required for registration of the account.
- The original document certifying the identity:
From 14 to 16 years - child's birth certificate, passport and written consent of one of the parents or guardian.
Transaction days in the departments of plastic cards:
- For opening Humo cards up to 17-00.
- For cash withdrawals of cash on Humo cards up to 16-00,
- Other transactions up to 17-00