Under 19s Account

Free everyday banking with credit interest for children and teens.

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.
  • Credit interest. Earn a variable rate of interest, paid quarterly, 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.) on balances between £1 and £2,499.99. No interest will be paid on any part of your balance over £2,499.99.
  • 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.
Information about applying for an Under 19s Account

Due to Covid-19 restrictions we’re currently offering a reduced branch service. If you’re 11-12 years old, please visit us in branch with your parent or guardian and proof of identity as shown below and we’ll start an application process with you. If you’re 13-17 years old, please start your application online.

Fill in our simple application form. We’ll just need a few bits of information. To open an Under 19s Account, you must be between 11 and 17.

11-12 year olds can only apply in branch

A parent or guardian must be with you when you open your account. You cannot apply online and can only start the application in a branch. To make an appointment contact your nearest Bank of Scotland branch. You’ll need to bring:

13-15 year olds

A parent or guardian must be with you when you open your account or if you apply for more services.

Fill in our simple online application form, then pop into any Bank of Scotland branch with a parent or guardian. You’ll need to bring:

16-17 year olds

Fill in our simple online application form, then pop into any Bank of Scotland branch. You don’t need to be accompanied by a parent or guardian, but you’ll need to bring:

  • Proof of identity (such as a passport or full UK birth certificate. Short birth certificates cannot be accepted.)
  • Proof of address (such as a letter from your School/College/Educational Institution)

Apply now for an Under 19 Account

Apply Today

Got any questions? Call us on 0345 721 314 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm). Or just ask a member of our team when you visit us in branch.

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