Ipak Yuli Bank launched the Visa Kids card for children aged 7 to 16 years. The card is issued in the child's name and linked to the parent's soum-denominated Visa card.

How the product works

Key feature: the children's card has no separate account. It operates through the parent card's account, so it is automatically replenished — funds available to the parent are available to the child within set limits.

Main terms:

  • issuance — free (promotional offer until end of 2026);
  • maintenance — no commission;
  • currency — soum;
  • production time — within one day;
  • multiple cards can be issued under one parent account — one for each child.

Eligible parent cards

Linking is possible to soum-denominated Visa cards: Visa Start Sum, Visa Oylik, Woman Card, Visa Infinite Sum and Visa Platinum Sum.

Parental controls

Features available in the mobile app:

  • notification for each transaction in real time;
  • setting limits — for purchases, daily or monthly;
  • enabling and disabling online payments;
  • card blocking at any time;
  • complete transaction history for all children's cards in one place.

Important note: limits can be changed or removed only by the parent and only at the bank's office. The child cannot independently change restrictions.

Limits apply exclusively to the children's card and do not affect the parent card's balance.

Category restrictions

The card automatically declines transactions at merchants classified as 18+: alcohol, tobacco products, gambling services.

The bank separately clarifies the mechanism and its limitations: filtering works by merchant category code (MCC). If a merchant registered their terminal under an incorrect category, the system may not recognize it as 18+, and the transaction will go through.

Honest disclaimer: technical protection works only as well as merchants correctly classify their terminals.

What is needed to apply

  • parent's passport or ID card;
  • child's birth certificate;
  • active soum-denominated Visa card of the parent;
  • for guardians — guardianship document.

Cash withdrawals at ATMs are available to the child within the limit set by the parent.

Market context

The product emerges amid regulatory changes: from November 2025, teenagers aged 14 and over are allowed to independently open bank cards, and for younger children — with written parental consent.

At the same time, note: from August 2026, transactions on accounts of persons under 16 years old for amounts exceeding 40 BRV within two business days are considered suspicious under banks' internal control rules.

For a children's card with limits, this restriction is virtually irrelevant, but parents planning large transfers to children's accounts should be aware of it.

It makes sense to compare conditions for different bank cards before applying — children's products are appearing at other organizations as well.

Terms are valid at the time of publication. Check current parameters with the bank.