bank account with debit card for 14yr old

jaynemaria

Apologies if this is in the wrong place.

I was just wondering if anyone knew if there was a bank account for under 16's where they could have a cash card with the account.

At the moment my son has a savings account with a building society with a payment book that I am the trustee to and have to take the money out for him. He has his child benefit paid into the account so that he uses this for buying his own clothes, dvds etc, but as the building society is only open certain days it means me subbing him the money and then having to withdraw it. I obviously dont want an account where he could go overdrawn, but him having a cash card would be so much easier

Thanks in advance

opinions4u

Most banks do.

Lloyds and Santander (shudder) tend to offer a decent rate.

young_money_saver

the following banks offer accounts for a 14 year old.
barclays, santander, lloyds tsb, halifax, bank of scotland, clydesdale bank, yorkshire bank, hsbc, rbs, natwest, ulster bank.
im sure theres a few more but thats all I can remember off the top of my head.

whitewing

My son, 13, has an hsbc account with a debit card so he can either withdraw cash or pay by card (eg for mobile phone top up). Very handy. He has been known to sub us!

young_money_saver

barclays-cashcard or visa electron
santander-visa debit (think its an electron though)
lloyds tsb-cashpoint card or visa debit
hbos-visa electron
clydesdale and yorkshire bank-dual function maestro
hsbc-visa debit
rbs, natwest and ulster bank-visa debit

jaynemaria

Thanks everyone, thats great

[Deleted User]

young_money_saver wrote: »

barclays-cashcard or visa electron
santander-visa debit (think its an electron though)
lloyds tsb-cashpoint card or visa debit
hbos-visa electron
clydesdale and yorkshire bank-dual function maestro
hsbc-visa debit
rbs, natwest and ulster bank-visa debit

santander varys
mostly issue debit now
metro bank also if you live near london

samwsmith1

I would recommend the HSBC MyAccount
http://www.hsbc.co.uk/1/2/under18s
You get a ViSA Debit card, faster payments (not that it will matter so much) and a great internet banking interface that is available on all accounts.

bootman

My 13 year old has a halifax account. He can use his card in shops as well as the cashpoint, just needs to make sure he keeps £1 in there. I set up on line banking for it so i can see what he is spending.

I transfer my 6 halifax £5's to him each month for his allowance.