VTB found out how young people in the Volga Federal District choose bank cards.

      08 October 2025 15:04 Society

      Results of a VTB survey conducted for the FINOPOLIS 2025 forum showed that 39% of young people under 25 get a debit card while still teenagers, and most of them actively use several cards.

      Most district residents under 25 use 2–3 cards; 22% have only one active card, and 33% have four or more. At the same time, the number of debit cards held by young people varies noticeably by region: in the Northwestern Federal District half of respondents manage with one card, youth in the Southern Federal District prefer to keep 2–3 cards in their wallet in 83% of cases, and in the Central Federal District they more often use four or more cards.

      Most respondents in the Volga Federal District said they decide on their own which bank to choose for issuing their first card. 11% consulted with relatives but made the final choice themselves. A further 50% said they made the decision independently, while 39% relied on the opinion of family and friends.

      The survey results showed which factors influence the choice of the first card among young people in the Volga Federal District:

      • Fast and convenient mobile app (chosen by 78% of respondents);

      • Free maintenance (72%);

      • Loyalty program and bonuses (61%);

      • Reliability and brand recognition of the bank (44%);

      • Speed of service and convenience of services (39%).

      For 78% of the surveyed youth in the Volga Federal District their attitude toward the brand is an important factor when choosing a bank. This indicator is also important for young people in the Southern (89%) and Central (86%) Federal Districts, in Saint Petersburg and the Leningrad Region (80%), and in the Ural Federal District (79%).

      Young people in the Volga Federal District most often pay for purchases in supermarkets and stores, as well as online (33% each). Also, 11% of young people use a card to pay for public transport fares, and the same proportion for mobile phone payments.

      The VTB survey was conducted in September 2025. It included 1,500 respondents aged 18 to 25 in cities with populations of 100,000 and above.

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