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

All accounts expandable section

Current accounts expandable section

Current accounts

Account name	Type of account	Who it's for	Features and benefits	Withdrawals	More information
Account name Student Account	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 Student Account
Account name Under 19s Account	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 £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% AER (0.50% gross p.a.) variable on credit balances between £0.01 and £999.99. We do not pay interest on amounts of £1,000 or more.	Withdrawals Unlimited	More information Under 19s Account
Account name Smart Start	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 2.85% AER/2.81% gross variable interest on balances of £1 to £1,000. Earn 1.10% AER/1.09% gross variable interest on any money above £1,000.	Withdrawals Unlimited	More information To open this account the parent or guardian of the account must have one of our current accounts and be registered for Online banking. Smart Start

Savings accounts expandable section

Savings accounts

Account name	Type of account	Who it's for	Features and benefits	Withdrawals	More information
Account name Smart Start	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 2.85% AER/2.81% gross variable interest on balances of £1 to £1,000. Earn 1.10% AER/1.09% gross variable interest on any money above £1,000.	Withdrawals Unlimited	More information To open this account the parent or guardian of the account must have one of our current accounts and be registered for Online banking. Smart Start
Account name Children's Saver	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 2.75% AER/2.72% gross variable interest on balances of £1 to £5,000. Earn 1.05% AER/1.04% gross variable interest on any money above £5,000.	Withdrawals Unlimited	More information Children's Saver
Account name Junior Cash ISA	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 2.85% AER/tax-free variable interest.	Withdrawals None until the child is 18.	More information Junior Cash ISA

All accounts

Account name	Type of account	Who it's for	Features and benefits	Withdrawals	More information
Account name Student Account	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 Student Account
Account name Smart Start	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 2.85% AER/2.81% gross variable interest on balances of £1 to £1,000. Earn 1.10% AER/1.09% gross variable interest on any money above £1,000.	Withdrawals Unlimited	More information To open this account the parent or guardian of the account must have one of our current accounts and be registered for Online banking. Smart Start
Account name Under 19s Account	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. Earn interest of 0.50% AER (0.50% gross p.a.) variable on credit balances between £0.01 and £999.99. We do not pay interest on amounts of £1,000 or more.	Withdrawals Unlimited	More information Under 19s Account
Account name Children's Saver	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 2.75% AER/2.72% gross variable interest on balances of £1 to £5,000. Earn 1.05% AER/1.04% gross variable interest on any money above £5,000.	Withdrawals Unlimited	More information Children's Saver
Account name Junior Cash ISA	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 2.85% AER/tax-free variable interest.	Withdrawals None, until the child is 18	More information Junior Cash ISA