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 VISA 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)||Issuance of the basic card||
25 000 UZS
|b)||Issue of additional card||
25 000 UZS
|Only Visa Classic Kids card can be used as an additional card|
|c)||Period of validity of the card||3 years|
|Period of issue of the card from the day the application for the issuance of the main or additional card is received||Not more than 3 working days|
|e)||Minimum balance on the card account not available for use by the card||0 US dollars|
|f)||Minimum initial contribution to the card account||missing||The amount available for use shall be calculated taking into consideration the minimum balance.|
|g)||Maintenance of the card account||Commission fee is not charged|
|h)||Early re-issue of the main or additional card (if the cardholder applies earlier than 2 months before the expiry of the card)||
25 000 UZS
|i)||Processing of transaction for withdrawal of cash from Visa card of JSCB “Kapitalbank” in the service network of JSCB “Kapitalbank”||0,7% from the transaction amount|
Processing of transactions for withdrawal of cash from Visa card of JSCB “Kapitalbank” in the other banks
The commission fee is charged from the full amount of transaction
|k)||Processing of transactions for payment for goods and services within the network and beyond the service network of JSCB “Kapitalbank”||Commission fee is not charged|
|Reissue of the card due to:|
|Loss/damage to the card;||25 000 sum|
|Change in the name of the cardholder;||2 USD*|
|Change of PIN code;||2 EUR*|
|Expiry of card validity period||Commission fee is not charged|
|m)||Investigation of the account and operations||
up to 100 $ - 5 (five) US dollars;
from 100 $ (inclusive) - 1% of the transaction amount, but not less than 10 (ten) US dollars (at the rate of the Central Bank)
|Payment is made in national currency at the rate of the Central Bank on the day the application is received from the client|
|n)||Connection and maintenance of 3D Secure service||Commission fee is not charged||The connection of the 3D Secure service is provided only if the client is connected to the SMS information service.|
|o)||Processing cash withdrawal transactions using Visa card of JSCB "Kapitalbank" at ATMs of JSCB |"Kapitalbank"||Commission fee is not charged||For national and foreign currencies|
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 Uzcard cards up to 17-00.
- For cash withdrawals of cash on Uzcard cards up to 16-00,
- Other transactions up to 17-00