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Original poster

Kids current accounts

42 replies

RomanyRoots · 22/08/2018 11:43

Can anybody recommend a bank or building society that enables a 14 year old to hold a current account with a debit card.
The debit card for access is the most important.

Or is there another way I can transfer money for my child to access.
She doesn't want the cash as it's a lot per month to secure.

OP posts:
MongerTruffle · 22/08/2018 12:11

All of the high street banks have current accounts for children, though not all have contactless cards (because some banks don't authorise contactless transactions instantly, which could result in a child being overdrawn, and banks aren't allowed to give credit to children).

Original poster
RomanyRoots · 22/08/2018 12:12

It's the access she needs, as I won't be with her.
All the ones I've tried won't give a debit card, it wouldn't have to be contactless it could be pin only, but can't seem to find one.

many thanks for the reply.

OP posts:
MumInTheCity · 22/08/2018 12:15

www.halifax.co.uk/bankaccounts/current-accounts/youth-account/

My DD has this one, which comes with a visa debit card.

Interested in this thread?

Then you might like threads about this subject:

General money
Anythingforacatslife · 22/08/2018 12:19

My ds 14 has a NatWest one with a debit card, I think you can get them from age 11. It doesn’t have contactless but it is linked to Apple Pay on his phone so he can use it ‘contactless’ that way which seems to be a loophole.

StylishMummy · 22/08/2018 12:20

Natwest kids account comes with a debit card and can be turned into a student account if and when the need arises

MrsSteptoe · 22/08/2018 12:22

www.barclays.co.uk/current-accounts/childrens-bank-account/

We opted for non-contactless.

If your daughter will be using it abroad, I think www.nationwide.co.uk/products/current-accounts/flexone/whats-flexone doesn't have charges (there's a recent thread about it somewhere)

Ithinkmymirrorslying · 22/08/2018 12:23

Does it have to be a current account?
My ds' have a go Henry account which I put their pocket money into, they're able to use contactless and withdraw money.
You can also set the amount they are allowed to spend in one transaction.

MongerTruffle · 22/08/2018 12:23

it is linked to Apple Pay on his phone so he can use it ‘contactless’ that way which seems to be a loophole
It's not a loophole, because Apple Pay/Google Pay/Samsung Pay transactions are authorised immediately by the bank, so there is no chance of a transaction going through if you don't have the money.

OP
www.barclays.co.uk/current-accounts/childrens-bank-account/
www.hsbc.co.uk/current-accounts/products/children/
www.lloydsbank.com/current-accounts/all-accounts/under-19s-account.asp
personal.natwest.com/personal/current-accounts/adapt_account.html
personal.rbs.co.uk/personal/current-accounts/revolve_account.html
www.halifax.co.uk/bankaccounts/current-accounts/youth-account/
www.metrobankonline.co.uk/bank-accounts/products/current-account/cash-account/
www.nationwide.co.uk/products/current-accounts/flexone/whats-flexone

These are just some of the bank accounts for children.

BarbieBrightSide · 22/08/2018 12:24

Ds got a Nationwide account aged 12 which has a debit card. Seems to suit him so far

dementedpixie · 22/08/2018 12:24

Most banks offer a current account with debit card from age 11. My dc have them with santander. Dd used to have one with Bank of Scotland. Often called an under 19 account

orangeicecream · 22/08/2018 12:24

My 11 has an HSBC current account with a debit card (not contactless)

SendYouUpInFlames · 22/08/2018 12:25

TSB is where I got my first bank card from at 13. I was given a debit card and was able to use it without an adult. Could use mobile banking, and go into the bank to withdraw.

All I needed was an adult with me to sign and a pound to put into the account to open it.

fanomoninon · 22/08/2018 12:26

We've recently opened Santander 123 for ds who is 14 - easy online application and does what you need (I hope, as its what we need!)

BravoWhiskey · 22/08/2018 12:27

The Nationwide FlexOne account is great, visa debit card, no charges even abroad, separate FlexOne savings account for larger amounts if they want it and full online banking access.

BravoWhiskey · 22/08/2018 12:29

Nationwide card is contactless and can be used for ApplePay, so proper banking for teens

LemonBreeland · 22/08/2018 12:29

My DC have the Bank of Scotland one, which is the same as Halifax. You can have a card from 11.

Which banks have you tried that won't allow a 14 year old to have a debit card? It seems unusual these days.

PoptartPoptart · 22/08/2018 12:30

DS is 13 and has a current account with Barclays.
He has a debit card with a pin and used it in shops and at cash machines. He’s never had a problem using it without an adult present.
We opted for a non contactless card through choice but he could have had it.
He has the Barclays app on his phone so he can check his balance, make transfers, make online payments, etc.
I can also transfer money to his account online.

Nearlyadoctor · 22/08/2018 12:34

Dd 11has a Nationwide account ( recently opened) debit card with contactless. Online banking app so she can check her balance. Text alert set up to notify her if there is under £10 in the account. No problems using the card on her own.

Anythingforacatslife · 22/08/2018 12:37

It's not a loophole, because Apple Pay/Google Pay/Samsung Pay transactions are authorised immediately by the bank, so there is no chance of a transaction going through if you don't have the money

Ah thank you for explaining, I knew there must be a reason!

Cyclewidow46 · 22/08/2018 12:41

My 3 DC all had a current account with RBS. All had a debit card with a PIN but not contactless.

hangabout · 22/08/2018 17:17

Just opened Santander 123 for 14 year old dd1. As someone else mentioned- it was very easy as could do it all online. Debit card and contactless.

dementedpixie · 22/08/2018 17:19

I also opened dd and ds accounts with Santander online. You upload ID so you don't need to go into a branch

Frazzled2207 · 22/08/2018 17:39

Where have you tried op that won't give you one?

adviceonthepox · 22/08/2018 17:41

My son had a Santander account from 11 years old with a debit card

MrsChollySawcutt · 22/08/2018 17:41

Santander 123 mini current account - my DD has had one since she was 11 and I will be applying for one for my DS next week.