SberKids

SberKids is a banking facility mobile application for children from 6 to 13 years old. It allows you to create a virtual prepaid debit card for your child, with which he can make purchases in - and the Russian Internet offline stores phone using with technology. In NFC your personal account, children can form wish lists, save money for any purpose, find out in a special section with videos and texts about how to earn, spend and save money. The application allows the parent to instantly and without commission transfer money, check purchases, find out the wishes of the child, as well as set a limit on expenses.

2024: Ability to transfer money to third-party banks

Sber expanded the capabilities of children's applications SberKids: now young users of the application 6-13 years old can transfer money both clients of Sber and others. banks The bank announced this on April 16, 2024. Focusing on customer reviews, the bank decided to make such transfers available to the same partner banks as in the "adult" application, and SberBank Online without a commission, if the amount of the transfer does not exceed 20 thousand rubles per month.

You can send money in the SberKids application by phone number. This functionality is available on Android devices.

The audience of our children's application is constantly growing - as of April 2024, more than 1.7 million young clients use it to manage their finances, our clients are the most active from 8-9 years old. We know from feedback from parents and children that SberKids lacked the ability to transfer not only within Sber, but also to other banks, so we are expanding the capabilities of our application. As a rule, we are talking about transfers of small amounts. Parents will always be aware of the transfers of their children, Sberbank will tell you where and how much the child transferred, said Alexey Kruglov, Director of the Department of Digital Channels B2C Sberbank.

2023: Issue of 2 million cards

Since September 2021, Sber has already issued two million children's SberKart. With such cards, children 6-13 years old can pay with both regular and online stores, and parents will see their expenses. Sberbank announced this on February 8, 2023.

A child can monitor the balance of his card in a special SberKids application, and parents in their "adult" SberBank Online application can set and change day or month limits on spending from a child's card, prohibit withdrawing cash or buy on the Internet.

Children do not need to wait for their parents to come from work and give their usual cash pocket money to buy. Now parents can replenish the child's account instantly. Moreover, a child can even "earn" this money by sending parents through SberKids an offer to do a small job for a small fee - for example, clean a room or learn 10 foreign words. Also in the children's application SberKids posted interesting videos and tests about finance and cybersecurity, teaching children the basics of financial literacy. That is, for a child, such a card is a way to learn how to manage money on their own in a half-game form, and for parents - the ability to see the child's online operations in their SberBank application, set up limits for him, quickly replenish his account and help him learn how to manage his funds, and such a skill is necessary for subsequent adulthood. said Kirill Tsarev, First Deputy Chairman of the Management Board of Sberbank.

The issue and maintenance of a children's card is free, and for payment with it, children receive bonuses SberThank you - 0.5% of the purchase price. A parent can issue a children's SberCard to SberBank Online, and then pick it up at the bank's office.

2018

Integration with Sberbank's retail CRM system

On December 12, 2018, Technoserv Consulting announced the integration of the SberKids mobile application with the Sberbank retail CRM system. The integration was implemented in less than a month. The tight timing of the project is due to the tightly fixed date of the launch of this product on the market.

It is symbolic that the SberKids mobile application was launched on the market at the beginning of the school year - on Knowledge Day, September 1, 2018. We see it not only as a convenient means of payment, but also as a tool that will help instill in the child the basics of financial literacy and master them in practice, learning to manage pocket expenses. SberKids has become an important step in creating an ecosystem of banking products for children and has already proven its relevance. In the first month alone, the application was downloaded more than 6 thousand times, and about a thousand children received debit cards.

As part of the launch of the product, Technoserv Consulting integrated the CRM Retail system with the SberKids application to ensure upload of data to the data system of children - clients of the bank. In addition, the company has finalized the functionality of employees of a single distributed contact center of Sberbank for the correct service of a child when contacting a call center on any issues related to a mobile application.

The application takes into account all the requirements of both business units and the bank's security department regarding the transfer of personal data. The main challenge in this project was the timing of implementation and the high priority of the task.

Launch a mobile application

On August 30, 2018, Sberbank launched the SberKids mobile application, which will be available in the AppStore and Google Play app stores from September 1, 2018. The app will teach children how to manage their pocket money and help parents control their child's spending.

SberKids mobile application

Using the SberKids mobile application, parents will be able to:

• issue a virtual prepaid card for your child;
• instantly transfer money to pocket expenses;
• see what the child is spending on and set limits on purchases;
• find out what he wants as a gift.

Children, the main users of the bank's mobile application, will be able to:

• pay with your phone in stores;
• receive money from parents;
• saving up money for his dream;
• hint to parents at the coveted gift;
• save and pay for purchases with THANK YOU bonuses and receive gifts from program partners.

In addition, the SberKids application has a special section on how to earn, spend and save money. With the help of it, the child will be able to increase financial literacy skills.

The SberKids mobile application is an important step in creating an ecosystem of banking products for children. It will make it easier to manage a child's daily spending and pocket money. In addition, SberKids performs an important educational function - it teaches children the basics of financial literacy, one of the key skills of the 21st century.

The SberKids application has a number of restrictions that will protect young users from rash spending:

• the maximum amount of one expense/replenishment transaction is 15,000 rubles;
• the maximum monthly turnover on the card is 40,000 rubles;
• the child does not have the ability to transfer money to other people;
• excluded cash withdrawal and payment functions for purchases in foreign stores;
• the functionality of the application is available only for parents-users of Sberbank Online and their children.

In order to start using SberKids, you need to:

• download the application to your phone and your child,
• register (a child's birth certificate is required)
• issue a map.