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.

 Our Youth and Student accounts

Smart Start

For young customers who want their first current account and savings account with parental oversight.

  • The account can be opened from age 11-15 and held until they turn 18.
  • Contactless Visa debit card.
  • Earn interest on your savings account.
  • The parent or guardian of the account must have one of our Club Lloyds current accounts to get started.
More about Smart Start

Under 19s Account

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

  • Contactless Visa debit card or Cashpoint® card.
  • Earn interest of 0.50% AER (0.50% gross p.a.) variable on credit balances between 1p and £999.99. We do not pay interest on amounts of £1,000 or more.
More about Under 19s Account

Student Account

For full-time students aged 17 or over.

  • Contactless Visa debit card.
  • If you’re 18 or over, you can apply for an interest free arranged overdraft of up to £1,500 in years 1 – 3 and then up to £2,000 in years 4 – 6.
More about Student Account
 

Childrens Savings accounts

Put money aside for a child’s future or establish a positive saving habit with the help of a child savings account. Compare options suitable for children and teens, then start saving today.  

Child Saver  Junior Cash ISA

Switching current accounts

Switching your bank account to us is quick and easy. Just fill in our simple online form and we’ll take care of the rest. With the current account switch service it'll only take 7 working days. And we’ll close down your old account for you when it’s done.

Switch your current account

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Protecting your money

FSCS logo

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS



Protecting your money

FSCS logo

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

You may also like

Smart Start

A banking and savings account for 11-15 year olds with no monthly fees or charges.

Smart Start

Student Current Account

For full-time students aged 17 or over.

Student Current Account

Child Saver

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

Child Saver

Compare current accounts

We have a range of current accounts to suit your needs.

Browse current accounts

People sat on a sofa high fiving

Compare current accounts

We have a range of current accounts to suit your needs.

Browse current accounts

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

Mobile Banking: Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.

Mobile Banking app: Our app is available to Internet Banking customers with a UK personal account and valid registered phone number. It’s only available to iPhone and Android users. Minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. You must register your device.

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