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    • ses6jwg
    • By ses6jwg 17th Sep 10, 6:25 PM
    • 5,152 Posts
    • 5,805 Thanks
    ses6jwg
    • #2
    • 17th Sep 10, 6:25 PM
    • #2
    • 17th Sep 10, 6:25 PM
    Santander do an 11-15 bank account with visa electron card, online banking facilities.

    No chequebook and no way of going overdrawn.

    It also pays 3% up to 500 for 12 months or 5% if you have your main account with Santander.

    Very simple accounts to open, one form and either a passport or medical card + birth certificate.
  • vinh1000
    • #3
    • 17th Sep 10, 6:28 PM
    • #3
    • 17th Sep 10, 6:28 PM
    Lloyds TSB do a very good account also
  • opinions4u
    • #4
    • 17th Sep 10, 6:49 PM
    • #4
    • 17th Sep 10, 6:49 PM
    Santander for top rate and iffy service.

    Lloyds TSB for service with a half decent rate.
    • ses6jwg
    • By ses6jwg 17th Sep 10, 7:13 PM
    • 5,152 Posts
    • 5,805 Thanks
    ses6jwg
    • #5
    • 17th Sep 10, 7:13 PM
    • #5
    • 17th Sep 10, 7:13 PM
    Santander for top rate and iffy service.

    Lloyds TSB for service with a half decent rate.
    Originally posted by opinions4u
    There isn't much that can go wrong with a Youth Account, any branch that cocks that up shouldn't really be operating.

    Only thing that could go wrong is Head Office don't send the card/ pin out.

    Not unknown and very frustrating for us in branches.

    See the 80 or so customers currently waiting over 4 weeks for their cheque books to arrive.
  • young money saver
    • #6
    • 18th Sep 10, 10:05 AM
    • #6
    • 18th Sep 10, 10:05 AM
    there are many banks to chose from for a 12 year old, many have debit cards. here are a few...
    -natwest
    -ulster bank
    -rbs
    -barclays
    -hsbc
    -santander
    -lloyds tsb
    -halifax
    -bank of scotland
    -nationwide (building society)
    -yorkshire building society (both come with cashcard)
    -yorkshire bank
    -clydesdale bank
    • welshsue
    • By welshsue 18th Sep 10, 10:24 AM
    • 565 Posts
    • 321 Thanks
    welshsue
    • #7
    • 18th Sep 10, 10:24 AM
    • #7
    • 18th Sep 10, 10:24 AM
    My 12yr old has a Natwest Adept account which is great. You get a visa debit card so can be used in shops/online etc. You can choose your own design for the card. Also discounts on certain shops, i.e game shops, high street shops etc.
    The only thing you don't get is online banking until you are 16 but other than that it is a great account and my eldest is delighted with it.
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