Under 19s Account

Free everyday banking with credit interest for children and teens.

Apply here

Under 19s Account

Free everyday banking with credit interest for children and teens.

Apply here

Features and benefits

  • A choice of card. Choose 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.
  • Earn credit interest on your money, which is paid quarterly:
  • For accounts opened before 23 August 2021 - Earn interest of 0.50% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (0.50% grossGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable on credit balances between £0.01 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% AERAnnual Equivalent RateThe Annual Equivalent Rate illustrates what the interest rate would be if interest was paid and compounded each year. The AER allows you to compare different offers easily. (0.50% grossGross rateGross rate means that we will not deduct tax automatically from your interest. You are responsible for paying any tax due to HM Revenue and Customs. p.a.) variable on credit balances between £0.01 and £999.99. We do not pay interest on amounts of £1,000 or more.
  • Free mobile alerts. To help you keep an eye on your balance.1
  • Access to Internet Banking. This is a limited service for Under 19s Account holders.2
  • Access to Telephone Banking, allowing you to do everything from checking balances and payments to transferring money, and a whole lot more.

Ready to apply for an Under 19s account

Adult and two children on sports field.

Just select your age and we’ll help you find the right option.

Age 11-12

We’re happy to help in branch

You’ll need to call or pop in to book an appointment at a branch. Bring proof of ID, and make sure a parent or guardian comes with theirs too.

Branch near me

Have you considered Smart Start?

Smart start is a banking and savings account for 11 to 15 year olds with no monthly fees or charges.

Parents or guardians can apply through our app or online.

Smart Start

Age 13-14

 

New to Bank of Scotland?

Scan the QR code to apply.

Scan the QR code with a parent or guardian to apply using our app and pop into any branch with proof of your identity to complete the application.

If you don’t want to use the app, you can apply on our website and finish it in branch.

Have you considered Smart Start?

Smart start is a banking and savings account for 11 to 15 year olds with no monthly fees or charges.

Parents or guardians can apply through our app or online.

Smart Start

New to Bank of Scotland?

Scan the QR code to apply.

Scan the QR code with a parent or guardian to apply using our app and pop into any branch with proof of your identity to complete the application.

If you don’t want to use the app, you can apply on our website and finish it in branch.

Have you considered Smart Start?

Smart start is a banking and savings account for 11 to 15 year olds with no monthly fees or charges.

Parents or guardians can apply through our app or online.

Smart Start

Age 15-17

 

New to Bank of Scotland?

Scan the QR code to apply.

Our Mobile Banking App makes it quick and easy to apply for a bank account.

If you don’t want to use the app, you can apply on our website and finish it in branch.

Already a customer?

You can upgrade an existing account or open a new one.

We'll keep your accounts together and you won't need to give us information we already hold.

Log in to apply

New to Bank of Scotland?

Our Mobile Banking App makes it quick and easy to apply for a bank account.

Apply on the app and provide proof of your identity such as a passport.

Open a new current account

If you don’t want to use the app, you can apply on our website.

Already a customer?

You can upgrade an existing account or open a new one.

We'll keep your accounts together and you won't need to give us information we already hold.

Log in to apply

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

We may monitor and record calls.

1 Mobile alerts are sent throughout the day, 7 days a week including Bank Holidays. This is a free service for all eligible current account customers.

2 Under 19s Account holders aged 18 or over do not have access to set up overdrafts or have Save the Change balances transferred to their account. In addition, Under 19s Account customers aged 11-15 cannot use the International Payments service. The online daily payment limit is £500 if your account was opened after 11th September 2011, if it was opened on or before this date then the limit is £500 (if you need to withdraw more than this then you will need to visit your local branch).

You will only be able to view your Under 19s Account via Internet Banking and not any other accounts you hold with Bank of Scotland.

Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

Financial Services Compensations Scheme