Lacné účty pre deti prinášajú mnoho výhod rodičom i deťom

Zvažujete založenie detského účtu? Neviete, na akom princípe konto pre deti funguje? V takom prípade čítajte ďalej. Vysvetlíme vám aj to, aké sú jeho výhody a nevýhody, a podľa čoho vyberať.

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Vreckové u detí v minulosti až také bežné nebolo. Dnes je situácia podstatne iná, veľký počet rodičov pravidelne dáva svojim ratolestiam nejakú sumu peňazí, či už každý týždeň, alebo mesiac. Len vo výnimočných prípadoch má však rodič dokonalý prehľad o tom, ako rýchlo jeho dieťa svoje financie míňa a už vôbec netuší na čo. Tento problém však môžete ľahko vyriešiť pomocou detského účtu. V dnešnej dobe takmer všetky banky na Slovensku ponúkajú pre rodičov zaujímavú možnosť, ako svoje ratolesti naučiť základy finančnej gramotnosti a zároveň mať ich výdavky pod neustálym dohľadom.

Detské účty ponúka väčšina bánk

Špeciálne bankové účty pre deti môžete založiť ako samostatné konto alebo ako podúčet k tomu svojmu. Najčastejšie si rodičia vyberajú detské účty v banke, v ktorej majú vlastný účet, nie je to však pravidlo ani podmienka. Dnes trh s bankovými produktmi ponúka naozaj široký výber, oplatí sa preto rozhliadnuť aj mimo vašej banky. Samozrejme, pred zriadením účtu si musí každý rodič zvážiť, či je jeho dieťa už dostatočne vyspelé na to, aby dokázalo vlastniť platobnú kartu alebo používať internet banking na správu vlastných financií.

Aké sú výhody detského účtu?

Špeciálne účty pre deti prinášajú celý rad výhod. Prvou je dokonalý a neustály prehľad rodiča o minutých výdavkoch, a to vďaka internet bankingu či SMS správam, ktoré informujú o každom pohybe na účte. Obrovským plusom je finančný limit, ktorý nastavuje rodič. Vy teda určíte, koľko vaše dieťa smie minúť za deň, týždeň či mesiac, nemôže sa stať, že na druhý deň nemá váš potomok z vreckového ani euro. Aj keď ide o bankový účet, služby pre dieťa sú obmedzené. Napríklad prístup do internet bankingu a mobilnej apky síce získa, no ide iba o pasívny náhľad bez možnosti uskutočňovať platby či prevody na iné účty (okrem svojich). Nemusíte sa tak báť, že vaša ratolesť bude bezhlavo nakupovať v online eshopoch.

Plusy účtu aj pre deti

Takáto forma vreckového má však svoje nesporné benefity i pre dieťa samotné. Naučí sa hospodáriť s financiami, pochopí ich hodnotu a význam sporenia, čím získa základy finančnej gramotnosti, ktorá je v dnešnom svete nevyhnutnosťou. Okrem toho sa naučí zodpovednosti vďaka platobnej karte, nielen pri platbách v obchodoch, ale aj pri výbere z bankomatu. Rodičov isto poteší aj fakt, že poplatky za tento typ účtu sú v porovnaní s bežnými kontami nízke. Nájdu sa aj také banky, v ktorých za detské účty neplatíte nič, takou je na Slovensku napríklad internetová mBank.

Ako detské účty fungujú?

Na to, aby ste mohli svojim deťom založiť detský účet, vám bude postačovať občiansky preukaz a rodný list potomka. Majiteľom účtu je síce dieťa (uvedené v rodnom liste), no jeho jediným disponentom je rodič, respektíve zákonný zástupca. Inak povedané, prevody a platby môže vykonávať iba disponent, dieťa nie. K účtu sa bežne vydáva aj kreditná karta, každá banka má stanovený iný vek, od ktorého deťom kartu poskytuje, zvyčajne sa minimálna veková hranica pohybuje od 6 do 8 rokov.

Sporenie od narodenia

Zaujímavou možnosťou detských účtov je to, že si ich v prípade niektorých bánk môžete založiť už od narodenia dieťaťa. Okrem detského účtu, ktorý vaša ratolesť využije neskôr, tak môžete v rámci jedného konta zároveň šetriť aj do budúcnosti. Úroková sadzba sa môže v každej banke líšiť, rátajte ale s tým, že jej výška až taká atraktívna nebude. Napriek tomu môžete využiť rôzne špeciálne ponuky s akciami a výhodami pre rodičov, vtedy sa takéto konto už oplatí. mBank v súčasnosti napríklad umožňuje k založeniu detského účtu zriadenie až štyroch sporiacich účtov.

Na čo si dať pozor?

I keď poplatky za detské účty nedosahujú takú výšku v porovnaní s bežnými bankovými kontami, treba si dať pozor na podmienky, pri ktorých je možné získať nulové či „symbolické“ poplatky. Niektoré banky totiž môžu od vás vyžadovať určitý vklad každý mesiac, iné zase budú nejako podmieňovať vydanie platobnej karty zadarmo. Pi výbere detského účtu by ste si mali všímať aj obmedzenia služieb, ktoré sú pri tomto type konta bežné. Banky často limitujú počet výberov z bankomatu či prevody v rámci internet bankingu. Pokiaľ teda hľadáte plnohodnotný účet pre svojho potomka, detské účty nebudú pre vás tým pravým. V prípade, že chcete deti naučiť pracovať s financiami a mať ich vreckové pod dohľadom, účty pre deti sú výborným riešením.

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