Spending tips
How to pay in money and make payments

Find out how to pay in money and make payments with your Smart Start accounts.

Read the video transcript

Make the most of your debit card.

Make the most of your Smart Start debit card with our video guide.

Read the video transcript

How to budget

  • Keep an eye on how much you spend each month. The easiest way to do this is by using our Mobile Banking app.
  • Work out your budget by creating a list of the money coming in and the money going out of your account. This will help you work out how much you might be able to save.
  • Once you know your budget, use our savings calculators to set your savings goal.

How to be a savvy spender

  • Use the 24-hour rule to avoid impulse buying. Give yourself 24 hours to think about whether you really need it and can afford it. This will help avoid wasting your money on things you might regret later.
  • Shop smart by shopping around. Compare prices to find the best deal. You might save money and make your budget stretch further.
  • Create an emergency fund by moving any spare money into your Savings Account each month. You’ll be prepared for that last-minute gig you want to go to or gift you need to buy.

Easy ways to pay with your mobile

Pay your friends and family

  • Send and receive money with just a mobile number.
  • It's quick, simple and secure.
  • No need to share your bank account details.
Set up a Pay a Contact

Apple Pay®

  • Quick and easy.
  • Contactless.
  • Secure.

*If you're aged 13 and over.

Set up Apple Pay®

Google Pay®

  • Quick and easy. 
  • Contactless.
  • Secure.

*If you're aged 16 and over.

Set up Google Pay®

Smart Start help hub

Get started with your accounts

  • Set up Internet Banking.
  • Manage your money on your mobile.
  • A-Z of banking terms.
Get started

Save

  • Tips to help you reach your savings goal.
  • 5 benefits of saving.
  • Save the Change®.
More about saving

Earn

  • Information about part-time jobs.
  • Types of jobs for teens.
  • Tips on applying for a job.
Find out about earning

Learn

  • More ways to stay money safe.
  • Tips for staying safe on social media.
  • Card Freeze.
Learn more about money

Your questions about spending

  • You will only be able to spend the money that is in your Spending Account. To help you manage your account, we’ve set some spending limits.

    Ways to manage your money

    Aged 11-15

    Aged 16-17

    Aged 18

    Ways to manage your money

    Using your debit card to pay online and in shops.

    Aged 11-15

    £200

    Aged 16-17

    £1,000

    Aged 18

    The money you have in your account.

    Ways to manage your money

    Using Internet Banking to transfer money.

    Aged 11-15

    £500. This limit also applies to your Savings Account.

    Aged 16-17

    £500. This limit also applies to your Savings Account.

    Aged 18

    £500. This limit also applies to your Savings Account.

    Ways to manage your money

    Using one of our branches with a counter to take money out.

    Aged 11-15

    £1,000

    Aged 16-17

    £1,000

    Aged 18

    £5,000

    Ways to manage your money

    Using your debit card to take money out of a cash machine.

    Aged 11-15

    £100

    Aged 16-17

    £100

    Aged 18

    £500

    Ways to manage your money

    Using the Post Office to take money out.

    Aged 11-15

    £100

    Aged 16-17

    £100

    Aged 18

    £300

  • You don't get a cheque book with Smart Start. But you might get the occasional cheque. If you do, you can deposit your cheque in branch, in a Post Office® or by using our Mobile Banking app. Read about how to pay a cheque into your account.

     

Save the Change® is a registered trademark and used under licence.

Google Pay is a trademark of Google LLC. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.