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Smart Start
Spending tips
Now you’ve got your own Spending Account and debit card, you’ll want to know the best ways to use them.
Find out how to pay in money and make payments with your Smart Start accounts.
Easy ways to pay with your mobile
Smart Start help hub
Your questions about spending
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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
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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.