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Youth and Student Accounts

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

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Compare our youth and student accounts

Smart Start

A banking and savings account for 11 to 15 year olds with no monthly fees or charges.

  • Contactless Visa debit card.
  • Parent or legal guardian has full oversight of account activity.
  • Interest is earned on savings account only. Earn 2.25% AER/2.23% gross variable interest on balances of £1 to £1,000. Earn 0.75% AER/0.75% gross variable interest on any money above £1,000.

To open this account the parent or guardian must have one of our current accounts and be registered for online banking.

Explore Smart Start

Under 19s

For 13 to 17 year olds who want to manage their own money.

An account making everyday banking simple and secure, with easy ways to manage money, make payments and keep track of spending.

  • Contactless Visa debit card or a Cashpoint® card.
  • Earn 0.50%AER/0.50% gross variable interest on credit balances between £0.01 and £999.99. We do not pay interest on amounts of £1,000 or more.
Explore Under 19s

Student Account

For full-time students aged 17 or over.

A straightforward way to manage your money with confidence, wherever your course takes you.

  • Contactless Visa debit card.
  • Up to £1,500 interest-free arranged overdraft in years 1 to 3 and up to £2,000 in years 4 to 6.
Explore Student Account More on Student Account

Features and benefits for kids

Keep track online

Kids aged under 13 need permission from a parent or guardian to use online banking.

Your own card

Withdraw money or spend online and in shops using a contactless debit card.

Grow your money

Earn interest with an Under 19s Account, or when you save with Smart Start.

Boost your savings

Round up your spending and Save the Change®. Age restrictions may apply.

Digital wallets

Teens aged 13 or over can use Apple Pay or Google Pay on mobile devices.

Student Account features you can use from day one

Arranged Overdraft

If you’re 18 or over, you can apply for an interest free arranged overdraft of up to £1,500 in years 1 to 3 and then up to £2,000 in years 4 to 6.

All overdrafts are subject to our assessment of your circumstances and are repayable on demand.

Extra cash back in your pocket

Receive up to 15% cashback with Offers from some of your favourite retailers.

Retailer offers and cashback amounts vary.

Simple Banking

Free everyday banking when you stay in credit. Other fees may apply, for example using your Visa debit card outside the UK.

Easily apply for an account in our app, no need to call or visit us at a branch. 

Save the Change®

When you turn on Save the Change®, we’ll round up each debit card payment to the nearest pound and transfer the difference into your savings. It’s an easy way to build up your savings over time.

Invest Wise

Our free investment account for 18 to 25 year olds, the ideal companion for students aspiring to smash their financial goals. Enjoy an account with no admin fees and take advantage of free regular investing, through our regular investment plan so even more of your money can go into your investments.

 
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Children's Saver

A savings account for an adult who wants to save for a child aged 15 or under. You have instant access to the savings when it's needed.

Explore Children's Savings Accounts

Protecting your money 

FSCS logo


The Financial Services Compensation Scheme (FSCS) protects up to £120,000 of the eligible money you hold with us.

More about the FSCS

FSCS logo

Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £120,000 of the eligible money you hold with us.

More about the FSCS

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Staying safe online

We use up-to-date security systems to help you keep your money safe when you bank online.
 

How we protect you

Bank accounts help

We're here to help you get the most out of your bank account.

Help and guidance

Do more with our app

Find out about all the great features of our highly rated app, and how it compares to online banking.

More about our app

Bank accounts

Whether you’re looking for simple everyday banking or an account with benefits, we can help you find the right account.

Bank accounts

Bank accounts

Whether you’re looking for simple everyday banking or an account with benefits, we can help you find the right account.

Bank accounts