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Youth and Student Accounts
Explore our full range of current accounts and savings accounts for children, teens and students.
Compare our youth and student accounts
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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.
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 3.15% AER/3.11% gross variable interest on balances of £1 to £1,000. Earn 1.45% AER/1.44% gross variable interest on any money above £1,000.
Withdrawals
Unlimited
More information
You need a Bank of Scotland current account with Vantage to open this account for your child.
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Savings accounts
Account name
Type of account
Who it's for
Features and benefits
Withdrawals
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 3.15% AER/3.11% gross variable interest on balances of £1 to £1,000. Earn 1.45% AER/1.44% gross variable interest on any money above £1,000.
Withdrawals
Unlimited
More information
You need a Bank of Scotland current account with Vantage to open this account for your child.
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 3.15% AER/3.11% gross variable interest on balances of £1 to £5,000. Earn 1.45% AER/1.44% 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 3.15% AER/tax-free variable interest.
Withdrawals
None until the child is 18.
More information
All accounts
|
Account name |
Type of account |
Who it's for |
Features and benefits |
Withdrawals |
More information |
|---|---|---|---|---|---|
Account name |
Type of accountCurrent account |
Who it's forFor full-time students aged 17 or over. |
Features and benefits
|
WithdrawalsUnlimited |
More information |
Account name |
Type of accountCurrent account |
Who it's forFor 11 to 17 year olds who want to manage their own money. |
Features and benefits
|
WithdrawalsUnlimited |
More information |
Account name |
Type of accountCurrent account and savings account |
Who it's forFor 11 to 15 year olds who want to spend, save and learn with parental oversight. |
Features and benefits
|
WithdrawalsUnlimited |
More informationYou need a Bank of Scotland current account with Vantage to open this account for your child. |
Account name |
Type of accountSavings account |
Who it's forFor adults who want to save for a child aged 15 and under. |
Features and benefits
|
WithdrawalsUnlimited |
More information |
Account name |
Type of accountCash ISA |
Who it's forFor under 18s who want to save for the future. |
Features and benefits
|
WithdrawalsNone, 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.
Financial Services Compensation Scheme
Eligible deposits held with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK’s deposit guarantee scheme.
