Compared with the ordinary debit card account, the special card for children appears to have a single service function. Children's special cards of ICBC, Bank of China and Bank of Communications can realize basic service functions such as deposit and withdrawal, consumption and transfer of general debit cards.
The three banks have different restrictions on payment, online banking, wealth management and other functions, and the specific situation is not the same. Among them, those who opened ICBC's "Baby Growth Card" and signed exclusive financial management agreements.
Banks can provide account management functions such as automatic transfer of excess limit, account change reminder and monthly consumption limit setting. However, the children's card does not support the functions of purchasing wealth management and fund fixed investment, and the online banking function cannot be opened.
The "Great Wall Flower Season Card" launched by Bank of China for young students under 16 has the function of multiple accounts and the function of receiving and paying money. The card also does not support bank financing and fixed investment.
Bank of Communications "Pacific Children Card" can provide online banking and other electronic banking services for children's exclusive cards in the presence of agents, but minors themselves cannot handle this business alone.
With the exception of ICBC, China Communications and Shanghai Communications, all other major banks indicated that there were no children's cards before 20 12, but minors under 16 can open ordinary bank cards with their household registration books, valid identity documents of guardians and guardianship certificates.
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/kloc-children under the age of 0/6 can open their own accounts in five major banks with their household registration books and valid certificates from their guardians. Among them, ICBC, Bank of China, Bank of Communications and other banks have launched special cards for children.
Small banker card
The "Little Banker Card" of China Everbright Bank is a UnionPay standard debit card issued for children under the age of 16, which has all the functions of a debit card.
It also integrates services and functions for "parent-child" education, financial education and children's individual needs to provide children with a rich financial experience suitable for their characteristics.
The small banker card has a number of personalized functions, such as "parent-child card association" function, which can establish parent-child association with any parent Everbright Sunshine card and realize the mutual transfer of RMB current account funds between the two cards.
Another example is the "pocket money/lucky money savings plan". Parents can associate or guide their children to make their own savings plans through parent-child cards, and can customize personalized target names for each savings plan through online banking.
In addition, it is also a public welfare card. Every time a "little banker card" is opened, the children put one yuan into the donation box, and then China Everbright Bank puts another yuan into it. Every valid donation can be automatically transferred to the China Women's Federation's "Mother's Water Pit" fund account, which helps to cultivate children's love consciousness.
Happy partner card
The Happy Partner Card of China Merchants Bank is a standard one-card debit card for children under 16. The Happy Partner Card can establish a parent-child relationship with one of the parents' smart cards.
After successful establishment, both parties can realize mutual transfer of RMB current account funds between the two cards through the popular parent-child transfer interface and self-service inquiry terminal. After the parents' one-card is associated with the children's happy partner card.
Parents can make pocket money savings plans for their children, that is, we are required to automatically transfer money from the current account of the one-card to the current account, lump-sum deposit and withdrawal account, lump-sum deposit and withdrawal account or education savings account of the children's happy partner card within a specified period of time. ?
After registering as a user, children and parents with cards can have parent-child interaction in the magic intelligence component. Magic wisdom has set different roles according to parents and children, including wishing pool, bookkeeping book and magic bean house.
Baidu Encyclopedia-Children Bank Card