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.
  • 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 £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% 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 £1 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

Let's get you started.

Select the age of the child or teenager below to see the application process.

    • Mobile Banking app. Scan the QR code with a parent or guardian to get started and then pop into any branch to complete the application.
    • Online application can be started for 13-14 year olds. Start an application online with a parent or guardian and then pop into any branch to complete the application.
    • In a branch. A parent or guardian will need to accompany you and you’ll need to bring proof of identity (e.g. a passport or birth certificate) and proof of your parent or guardian’s identity and address (e.g. a utility bill from the last 6 months).

      Book an appointment at your local branch by calling us on 0345 721 3141. Lines are open 8am – 8pm, 7 days a week.

    Mobile Banking app

    Get started on the app

    You must be between 13 and 14 years old to apply.

     

    Apply online

    You must be between 13 and 14 years old to apply.

    Apply now

     

    Find your local branch to open an Under 19s account

    You must be between 11 and 17 years old to apply.

    Branch near me

    • Mobile Banking app. Scan the QR code to get started  and provide proof of your identity with a passport or Biometric Residence Permit card.
    • Online application can be completed for 15-17 year olds. Start an application online and provide proof of your identity with a passport, UK driving license or Biometric Residence Permit card.
    • In a branch. You’ll need to bring proof of identity (e.g. a passport or birth certificate) and proof of your parent or guardian’s identity and address (e.g. a utility bill from the last 6 months). If you are 15 you need to be accompanied by an adult, if you are 16 or 17, you do not.

    Book an appointment at your local branch by calling us on . Lines are open 8am – 8pm, 7 days a week.

    Mobile Banking app

    Get started on the app

    You must be between 15 and 17 years old to apply.

     

    Apply online

    You must be between 15 and 17 years old to apply.

    Apply now

     

    Find your local branch to open an Under 19s account

    You must be between 11 and 17 years old to apply.

    Branch near me

  • In a branch. A parent or guardian will need to accompany you and you’ll need to bring proof of identity (e.g. a passport or birth certificate) and proof of your parent or guardian’s identity and address (e.g. a utility bill from the last 6 months).

    Book an appointment at your local branch by calling us on 0345 721 3141. Lines are open 8am – 8pm, 7 days a week.
  • Online applications cannot be completed for 11-12 year olds.

Find your local branch to open an Under 19s account

You must be between 11 and 17 years old to apply.

Branch near me

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