Youth and student accounts

Compare our full range of current accounts and savings accounts for children and students – all in one place.

Why choose a current account

  • Children get the freedom to manage their own money.
  • Great for pocket money and everyday spending.
  • They often come with a debit card that can be used in shops, online and at cash machines.

Why choose a savings account

  • They allow parents and family members to save in trust for a child.
  • Children learn how to save and budget.
  • Gives them a place to put spare pocket money.

Compare our children's, youth and student accounts

  • Current accounts

    Compare all accounts

    Account name

    Account type

    Who it's for

    Features and benefits

    Withdrawals

    More information

    Account name

    Account type

    Current account

    Who it's for

    For 11 to 17 year olds who want to start managing their money.

    Features and benefits

    • Contactless Visa debit card or Cashpoint® card.
    • For accounts opened before 23 August 2021 - Earn interest of 0.50% AER (0.50% gross p.a.) variable on credit balances between £1 and £2,499.99. We do not pay interest on amounts of £2,500 or more.
    • For accounts opened on or after 23 August 2021 - Earn interest of 0.50% AER (0.50% gross p.a.) variable on credit balances between £1 and £999.99. We do not pay interest on amounts of £1,000 or more.

    Withdrawals

    Unlimited

    More information

    Account name

    Account type

    Current account

    Who it's for

    For full-time students aged 17 or over.

    Features and benefits

    • Contactless Visa debit card.
    • Up to £1,500 interest-free arranged overdraft in years 1 to 3 and up to £2,000 in years 4 to 6.
    • Free everyday banking.

    Withdrawals

    Unlimited

    More information

    Account name

    Account type

    Current account and savings account

    Who it's for

    For 11 to 15 year olds who want their first account with parental oversight.

    Features and benefits

    • Contactless Visa debit card.
    • Parent or legal guardian has oversight of account activity.
    • Interest is earned on savings account only. Earn 1.00% AER/gross variable interest on balances of £1 to £1,000. Earn 0.01% AER/gross variable interest on any money above £1,000.

    Withdrawals

    Unlimited

    More information

  • Savings accounts

    Compare all accounts

    Account name

    Account type

    Who it's for

    Features and benefits

    Withdrawals

    More information

    Account name

    Account type

    Savings account

    Who it's for

    For adults who want to save for a child aged 15 and under.

    Features and benefits

    • Save in trust for a child.
    • Open with just £1.
    • Earn 1.00% AER/gross variable on balances of £1-£5,000. Earn 0.01% AER/gross variable on any excess above £5,000.

    Withdrawals

    Unlimited

    More information

    Account name

    Account type

    Cash ISA

    Who it's for

    For under 18s who want to save long term.

    Features and benefits

    • Tax-free savings account.
    • Save up to £9,000 in a Junior Cash ISA this tax year.
    • Earn 1.50% AER/tax-free variable interest.

    Withdrawals

    None until the child's 18th birthday

    More information

    Account name

    Account type

    Current account and savings account

    Who it's for

    For 11 to 15 year olds who want their first account with parental oversight.

    Features and benefits

    • Contactless Visa debit card.
    • Parent or legal guardian has oversight of account activity.
    • Interest is earned on savings account only. Earn 1.00% AER/gross variable interest on balances of £1 to £1,000. Earn 0.01% AER/gross variable interest on any money above £1,000.

    Withdrawals

    Unlimited

    More information

All accounts

Compare all accounts

Account name

Account type

Who it's for

Features and benefits

Withdrawals

More information

Account name

Account type

Current account

Who it's for

For 11 to 17 year olds who want to start managing their money.

Features and benefits

  • Contactless Visa debit card or Cashpoint® card.
  • For accounts opened before 23 August 2021 - Earn interest of 0.50% AER (0.50% gross p.a.) variable on credit balances between £1 and £2,499.99. We do not pay interest on amounts of £2,500 or more.
  • For accounts opened on or after 23 August 2021 - Earn interest of 0.50% AER (0.50% gross p.a.) variable on credit balances between £1 and £999.99. We do not pay interest on amounts of £1,000 or more.

Withdrawals

Unlimited

More information

Account name

Account type

Current account

Who it's for

For full-time students aged 17 or over.

Features and benefits

  • Contactless Visa debit card.
  • Up to £1,500 interest-free arranged overdraft in years 1 to 3 and up to £2,000 in years 4 to 6.
  • Free everyday banking.

Withdrawals

Unlimited

More information

Account name

Account type

Current account and savings account

Who it's for

For 11 to 15 year olds who want their first account with parental oversight.

Features and benefits

  • Contactless Visa debit card.
  • Parent or legal guardian has oversight of account activity.
  • Interest is earned on savings account only. Earn 1.00% AER/gross variable interest on balances of £1 to £1,000. Earn 0.01% AER/gross variable interest on any money above £1,000.

Withdrawals

Unlimited

More information

Account name

Account type

Savings account

Who it's for

For adults who want to save for a child aged 15 and under.

Features and benefits

  • Save in trust for a child.
  • Open with just £1.
  • Earn 1.00% AER/gross variable on balances of £1-£5,000. Earn 0.01% AER/gross variable on any excess above £5,000.

Withdrawals

Unlimited

More information

Account name

Account type

Cash ISA

Who it's for

For under 18s who want to save long term.

Features and benefits

  • Tax-free savings account.
  • Save up to £9,000 in a Junior Cash ISA this tax year.
  • Earn 1.50% AER/tax-free variable interest.

Withdrawals

None until the child's 18th birthday

More information

Help and guidance

Contact us

0345 300 0000
(+44 1733 347 007 from outside the UK)

Lost or stolen cards

0800 096 9779
(+44 1702 278 270 from outside the UK)

These lines are available 24/7. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information.

Switch in seven days

Switch your account to us within seven working days.

Current Account Switch Guarantee

Tax treatment depends on individual circumstances and may change in the future.

For a definition of AER, gross and other terms, view our glossary.

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