Under 19s bank account

Are you ready to swap your piggy bank for something more grown up?

Our young person bank account is designed for 11 to 17-year-olds, making it an ideal bank account for teenagers.

How to open an account

Why open an under 19s bank account?

A Visa debit card

Contactless, of course.

This account comes with a card to make purchases or withdraw money.

More benefits

Earn 2.50% AER* (Variable) interest

On your account balance.

Earn 2.50% AER* (Variable) on balances up to £2,500, paid into your account each month.

Ways to save

Benefits of a children's current account

Save, spend, and track

Learn money management

Earn 2.5% AER (Variable) interest on savings up to £2,500, and 0.1% AER (Variable) on anything over that
A contactless card to buy things and take money out
Mobile and Internet Banking to make it easy to track your spending

Open an Under 19s bank account

What you need to know

This account is for kids and teens who are 11 to 17 years old

If the child is under 16, a parent or guardian will need to help open an account

If the child is over 16, they can apply on their own if they have 2 forms of ID and proof of address

If applying by video call

The parent’s last name needs to be the same as the child’s. Or their name needs to be on the child’s birth certificate, which you’ll need for the appointment

The legal guardian will need to show proof of guardianship on the call

If the child is under 16, we’ll need to see the adult’s passport or driving licence. And a valid passport for the child, or a birth certificate if their passport has expired

The parent or legal guardian needs to have held a TSB account, except insurance, for 30 days

Ready to apply?

Book a video call

Apply from anywhere with your email and reliable Wi-Fi

Choose a time and date that works for you including evenings and weekends

It typically takes 60-90 minutes to open an U19s account

You’ll need your ID ready. If the child is under 16, the parent or guardian must be on the call

Book a video call

Ready to apply?

Or apply in branch

Book an appointment at your chosen branch to get started

Don’t forget to bring ID for both the adult and child. And if the child is under 16, a parent or guardian will need to be there to help open the account

Book a branch appointment

We use Docusign for this kind of request. Docusign will pass the information you provide to us in a secure manner and won’t process it in any other way. Information on how we use your data can be found in our Data Privacy Notice.

Legal information

Under 19s 11-15 year olds Welcome Pack (PDF, 726 KB)

Under 19s 16-18 Year olds Welcome Pack (PDF, 816 KB)

Personal banking terms and conditions (PDF, 1 MB)

Banking Charges Guide (PDF, 839 KB)

Fee Information Document (PDF, 97 KB)

Under 19s Account Terms and Conditions (PDF, 495 KB)

Important information

Interest paid monthly.

Text alerts are free but your mobile operator may charge for some services. Please check with them.

We don’t charge for your use of Mobile Banking but your mobile operator may charge for some services, please check with them. Mobile Banking is available on most internet enabled mobile devices. Services may be affected by phone signal and functionality. You must be registered for Internet Banking. Terms and conditions apply.

*AER (variable) means Annual Equivalent Rate. AER (variable) illustrates what your interest rate would be if interest was paid and compounded each year. Gross rate is the contractual rate of interest payable before the deduction of income tax.