We recently opened a junior current account and junior savings for my daughter (11) with RBS based on their online information saying she had all services except direct debits and standing orders. But when it all came through it turned out she is not allowed to make payments out of the account in any way at all - she can't pay friends, send BACS transfers, Faster Payments, Paym, nothing. And the savings account turned out to have no book, no website, no app and the only way to access the money if you area child is to go into the branch and get it out in cash over the counter!
So we are currently looking at Nationwide, who make similar kinds of promises, but the information is not that clear because they keep mixing up differen age ranges, saying you can use Android Pay to buy things in shops with their junior card, even though Android Pay requires you to be over 18 to make shop purchases, and the demo of hte app goes into overdrafts and mortgages as it's a general demo. Since the branch is a really long way, I don't want to schlep down there to find it's the same deal, she'll get another account she can put money into in a one way black hole then she won't be able to send it to friends to chip in for pizza, repay parent loans if she doesn't have her purse when she wants something, that kind of thing.
I'm deaf, so I can't phone them up, wondering if anyone physically has this account and can tell me if PayM registration is valid for sending money as well as receiving money, and if she can definitely make a bank transfer out.