Youth and Student Accounts

Explore our full range of current accounts and savings accounts for children, teens and students.

Benefits of a current account

  • The first step to managing their own money.
  • Children learn about spending and budgeting.
  • They'll get a contactless Visa debit card that can be used in shops, online and at cash machines.

Benefits of a savings account

  • Parents and grandparents can save in trust for a child.
  • Teaches children about saving for things they want.
  • Gives them a place to save their pocket money.

Compare our youth and student accounts

  • Current accounts

    Account name

    Type of account

    Who it's for

    Features and benefits

    Withdrawals

    More information

    Account name

    Type of account

    Current account

    Who it's for

    For full-time students aged 17 or over.

    Features and benefits

    • Contactless Visa debit card.
    • Up to £1,500 interest-free arranged overdraft in years 1-3 and up to £2,000 in years 4-6.
    • Free TOTUM card for up to three years.

    Withdrawals

    Unlimited

    More information

    Account name

    Type of account

    Current account

    Who it's for

    For 11 to 17 year olds who want to manage their own money.

    Features and benefits

    • Contactless Visa debit card or a Cashpoint® card.
    • For accounts opened before 23 August 2021 - Earn interest of 0.50% AER (0.50% gross 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% AER (0.50% gross p.a.) variable on credit balances between £1 and £999.99. We do not pay interest on amounts of £1,000 or more.

    Withdrawals

    Unlimited

    More information

    Account name

    Type of account

    Current account and savings account

    Who it's for

    For 11 to 15 year olds who want to spend, save and learn with parental oversight.

    Features and benefits

    • Contactless Visa debit card.
    • Parent or legal guardian has full visibility of account activity.
    • Interest is earned on savings account only. Earn 1.00% AER/gross variable interest on balances of £1 to £1,000. Earn 0.01% AER/gross variable interest on any money above £1,000.

    Withdrawals

    Unlimited

    More information

  • Savings accounts

    Account name

    Type of account

    Who it's for

    Features and benefits

    Withdrawals

    More information

    Account name

    Type of account

    Savings account

    Who it's for

    For adults who want to save for a child aged 15 and under.

    Features and benefits

    • Save in trust for a child.
    • Open with just £1.
    • Earn 1.00% AER/gross variable interest on balances of £1 to £5,000. Earn 0.01% AER/gross variable interest on any money above £5,000.

    Withdrawals

    Unlimited

    More information

    Account name

    Type of account

    Cash ISA

    Who it's for

    For under 18s who want to save for the future.

    Features and benefits

    • Long-term, tax-free savings account.
    • Open with just £1.
    • Earn 1.50% AER/tax-free variable interest.

    Withdrawals

    None until the child is 18.

    More information

    Account name

    Type of account

    Current account and savings account

    Who it's for

    For 11 to 15 year olds who want to spend, save and learn with parental oversight.

    Features and benefits

    • Contactless Visa debit card.
    • Parent or legal guardian has full visibility of account activity.
    • Interest earned on savings account only. Earn 1.00% AER/gross variable interest on balances of £1 to £1,000. Earn 0.01% AER/gross variable interest on any money above £1,000.

    Withdrawals

    Unlimited

    More information

All accounts

Account name

Type of account

Who it's for

Features and benefits

Withdrawals

More information

Account name

Type of account

Current account

Who it's for

For full-time students aged 17 or over.

Features and benefits

  • Contactless Visa debit card.
  • Up to £1,500 interest-free arranged overdraft in years 1-3 and up to £2,000 in years 4-6.
  • Free TOTUM card for up to three years.

Withdrawals

Unlimited

More information

Account name

Type of account

Current account

Who it's for

For 11 to 17 year olds who want to manage their own money.

Features and benefits

  • Contactless Visa debit card or a Cashpoint® card.
  • For accounts opened before 23 August 2021 - Earn interest of 0.50% AER (0.50% gross 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% AER (0.50% gross p.a.) variable on credit balances between £1 and £999.99. We do not pay interest on amounts of £1,000 or more.

Withdrawals

Unlimited

More information

Account name

Type of account

Current account and savings account

Who it's for

For 11 to 15 year olds who want to spend, save and learn with parental oversight.

Features and benefits

  • Contactless Visa debit card.
  • Parent or legal guardian has full oversight of account activity.
  • Interest is earned on savings account only. Earn 1.00% AER/gross variable interest on balances of £1 to £1,000. Earn 0.01% AER/gross variable interest on any money above £1,000.

Withdrawals

Unlimited

More information

Account name

Type of account

Savings account

Who it's for

For adults who want to save for a child aged 15 and under.

Features and benefits

  • Save in trust for a child.
  • Open with just £1.
  • Earn 1.00% AER/gross variable interest on balances of £1 to £5,000. Earn 0.01% AER/gross variable interest on any money above £5,000.

Withdrawals

Unlimited

More information

Account name

Type of account

Cash ISA

Who it's for

For under 18s who want to save for the future.

Features and benefits

  • Long-term, tax-free savings account.
  • Open with just £1.
  • Earn 1.50% AER/tax-free variable interest.

Withdrawals

None, until the child is 18

More information

Switch your account to us

Switching your current account to us couldn’t be simpler. Find out more about the benefits of a Bank of Scotland current account.

Upgrade for more benefits

Upgrading your Bank of Scotland current account to Platinum opens the door to a range of additional benefits from third party insurance providers. Monthly fees apply.

Useful information

We have plenty of features and helpful information to assist you in getting the most out of your Bank of Scotland current account.

Mobile Banking app

Our Mobile Banking app for iOS and Android is quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and safety of banking on their mobile.

Personal UK Internet Banking customers only. Terms and Conditions apply.