Twelve-year-old children can get a bank card.

On May 26th, 218, Chongqing Bank held the launching ceremony of Jindou Card, a children's financial card. This card is an exclusive financial management card designed for children. The cute "Golden Bean" shape on the card surface means sowing the seeds of financial management and caring for the baby's wealth to sprout and grow.

The reporter found that not only Chongqing Bank, but also ICBC, BOC, Bank of Communications, China Merchants Bank, Minsheng, Zheshang and many other banks have launched children's bank card products. Children's bank cards are often printed with cartoon patterns, which are very cute; Some banks have also introduced special-shaped cards, such as star-shaped children's bank cards.

With the "baby economy" heating up, children's cards in banks are becoming more and more popular. The "Baby Growth Card" launched by ICBC takes the family as the unit, and the card face adopts the cartoon image of the zodiac, which is full of childlike interest. A staff member of a branch of China Merchants Bank in Beijing told reporters that many children like the game Angry Birds. China Merchants Bank specially purchased the copyright for this purpose and issued a parent-child debit card with this theme.

It is understood that these exclusive bank cards for children are mainly issued to underage customers under the age of 16. Parents can bring their original ID card, children's household registration book or ID card and proof of legal guardianship. Parents can lead their children to complete the whole account opening process and teach them to manage and use money correctly and reasonably.

Children's exclusive bank cards are not only attractive to children, but also tailored for children to meet their financial needs.

ICBC's Baby Growth Card is issued in the form of "Baby Card+Father Love Card+Mother Love Card". In addition to the general debit card function, the card also has special functions such as growth fund growth guarantee, growth memorial gratitude return, etc. For example, parents can regularly deposit funds into the baby card from the father's love card and the mother's love card to provide pocket money and education funds for their children.

At the same time, it also exempts the handling fee for off-site settlement between the baby card, the father card and the mother card. This card can also provide a package of services such as transfer and remittance, tuition payment, credit certificate, foreign exchange purchase for studying abroad, foreign currency remittance, account opening witness, consumption abroad tax refund, etc. It is suitable for children studying abroad.

The Pacific IC children's card of Bank of Communications not only has basic functions such as deposit and withdrawal, transfer and consumption, but also has functions suitable for children's financial management, such as purchasing monetary fund, salary financing A, savings bonds, etc. It can cultivate children's financial management awareness from an early age and let them experience the fun of "many a mickle makes a mickle". In addition, the Pacific IC children's variant card also has the function of IC card e-wallet and small quick payment, and parents can set the card consumption and cash withdrawal limit.

The "Growth Card" launched by Zheshang Bank can enjoy the special deposit product "Tianlijia". Interest will accrue after one day's deposit. The latest interest rate will be released every Monday, and the deposit will begin in 1 yuan. In addition, you can also sign up to enjoy financial services such as automatic transfer and agreed transfer, and cultivate your baby's financial management concept from an early age.

Extended information:

Children's bank card

Although the single function makes children's exclusive bank card a bit like "chicken ribs", children's bank card has no small advantages in value-added services such as financial education.

The bank financial planner said that children's growth is concerned with millions of families, and compared with the cultivation of IQ and EQ, parents often do not do enough in financial education. Therefore, in the design process of children's exclusive bank cards, in addition to cultivating children to learn how to manage accounts and manage money, many financial and business education activities have been added.

Taking the Pacific Children's Card as an example, one of its highlights is the electronic bookkeeping book of online banking. By spreading the concept of careful financial management, children can record and manage the details of income and expenditure by themselves, and the bank provides the comparison, composition and trend chart of income and expenditure to help children intuitively analyze the income and expenditure of accounts and cultivate their financial awareness and ability.

The "kid-in-charge card" launched by Minsheng Bank is actually a supplementary card for parents' bank cards, and the money on the card is controlled by the children themselves. However, the main card held by parents can "remotely control" the consumption limit of the supplementary card, keep track of the children's spending at any time, and can also make an automatic transfer to the supplementary card on time every month, which is more suitable for families whose children need to live in school.

In terms of additional services, it can provide discounts for bookstores, hospitals, stationery stores and other consumer places, and educate children to learn to save money.

The "Growth Card" holders of Zheshang Bank have the opportunity to participate in various special activities organized by the bank specifically for children, and get information on parenting, nursery, education, further studies and financial services. Chongqing Bank's "Golden Bean Card" customers also enjoy a number of preferential rights and services such as baby education and training, catering and entertainment, shopping and credit card discounts.

China Merchants Bank also provides an online family interactive financial education platform for "Happy Partner Card" cardholders and their parents to play parent-child financial games.

Baidu encyclopedia-children's bank card