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Amend paper-free preferences for your statements and correspondence.
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
Let's get you started.
Select the age of the child or teenager below to see the application process.
- 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)
- 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.
More information on this account:
Bank of Scotland Bank Account conditions (PDF, 300KB)
Bank Account Welcome Pack (PDF, 567KB)
Under 19s - Ways we use your data (child friendly version) (PDF, 42KB)
We’re making some changes to terms and conditions on 02 June 2025, for details please see Guide to Changes (PDF, 80KB).
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.
