Under 19s Account

If you're aged between 11 and 18 years old, we've made it easy for you to make the most of your money.

Benefits and features:

  • A choice of card. Choice of a Visa debit card, which can be used in shops, online or over the phone and at Cashpoint® machines, or a Cashpoint card which can just be used for taking out cash.
  • Competitive rate of interest. Earn a variable rate of interest, paid quarterly, of 2.50% AER (2.47% Gross p.a.) variable interest, on balances up to £2,500. Any money over £2,500 will earn 0.10% AER Gross p.a.
  • Instant access to your money.
  • Top up your mobile. Option to top up your Pay as You Go mobile at most Bank of Scotland Cashpoint machines. Successful mobile top ups will reduce the amount of money you can take out of your account that day
  • Free text message services* to help you keep better track of your money wherever you are.

In addition, once you reach 16 other services and benefits become available:

  • Access our Internet and Telephone Banking. Secure services, where you can do everything from checking balances and payments to transferring money, and a whole lot more.
  • Save up to £75.99 with the AA Driving School** and drive down the cost of getting your licence (if you're 17 or over). Save £36 on AA driving lessons and receive a free ‘Pass Your Test’ CD-ROM worth £19.99. After passing your test save a further £20 off Pass Plus - the DSA recognised qualification for advanced practical skills which could secure a discount of up to 35% on car insurance.

Apply for an Under 19 account

Visit your local branch to apply.

Remember that you’ll need to take the following:

  • Two forms of ID such as your UK birth certificate or passport and one proof of address.
  • If you’re under 16, you’ll also need to bring a parent or guardian and they’ll need to have proof of their ID and address too.

* Mobile Banking services may be affected by phone signal and functionality. UK personal Internet Banking customers only. Your mobile operator may charge for some services. Visit mobile banking for more information. Text Alerts - available to UK personal current account customers aged 16 or over and are sent before 10am UK time, Monday - Friday (excluding Bank Holidays).  If you are aged 11-15 and have an Under 19s Account you can apply for our Weekly Balance Alerts and Overseas Transactions Alerts (just visit your nearest branch with a parent/guardian to register).

** The AA Driving School offer is subject to change or withdrawal.

Account opening is subject to our assessment of your circumstances and to you meeting all eligibility conditions. Benefits are subject to application and approval.

AER (Annual Equivalent Rate) - the rate if interest was paid and compounded once a year. Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

You have to register for Internet Banking and Telephone Banking. Terms and conditions apply.

Cashpoint® is a registered trade mark and is used under licence by Bank of Scotland plc.

Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised and regulated by the Financial Services Authority.

Apply for an Under 19 Account

Visit  your local branch to apply.

Remember that you’ll need to take the following:

  • Two forms of ID such as your UK birth certificate or passport and one proof of address.
  • If you’re under 16, you’ll also need to bring a parent or guardian and they’ll need to have proof of their ID and address too.

More information on this account

  1. Bank of Scotland Bank Account conditions (pdf)
  2. Under 19s 11-15yr olds Welcome Pack (pdf)
  3. Under 19s 16-18yr olds Welcome Pack (pdf)
  4. Interest rates & fees