15 year old daughter turned down for 11-19 year account???

DebbyandHolly

Hello 
Can anyone help... yesterday my 15 year using her Go Henry card was annoyed as it was refused on the Bus ...AGAIN...so decided maybe time to apply for a normal bank account. 
Checked out advice on here and proceeded to apply for the Halifax young person account. 
Only things asked for were name, DOB , address and what to use the account for ie: general spending .
Was therefore very shocked it was declined... so tried Lloyds 11-19 account.... declined Again !!!!!! 
Please can anyone advise why or what I should do .....

Dellgrad12

Lloyds and Halifax are the same bank, so it’s probably no surprise both declined.

I am not sure what data is really checked for these types of accounts, it certainly can’t be impacting her credit report as she won’t have one, so no harm in trying another bank (that isn’t part of the Lloyds group!).

Penguin_

I've opened a Natwest account for my 15 year old daughter.

Ed-1

DebbyandHolly said:

Hello 
Can anyone help... yesterday my 15 year using her Go Henry card was annoyed as it was refused on the Bus ...AGAIN...so decided maybe time to apply for a normal bank account. 
Checked out advice on here and proceeded to apply for the Halifax young person account. 
Only things asked for were name, DOB , address and what to use the account for ie: general spending .
Was therefore very shocked it was declined... so tried Lloyds 11-19 account.... declined Again !!!!!! 
Please can anyone advise why or what I should do .....

Given Lloyds and Halifax have the same owner (LBG), it's unsurprising the Lloyds application was then declined.

As to why the Halifax was declined 🤷‍♂️

colsten

Penguin_ said:

I've opened a Natwest account for my 15 year old daughter.

And one mother reported the other day that Natwest have closed her 13-year old daughter's account out of the blue. There's lots of bad press about Natwest and their willy-nilly closing of accounts.

Here is a list of all the youth accounts: https://www.which.co.uk/money/banking/bank-accounts/best-childrens-bank-accounts-arspc9p7mk0y

My first choice for a youngster would be Starling, followed by Santander. Starling can definitely be opened online/through the app. Santander might need a Branch visit which can be tricky atm.

[Deleted User]

colsten said:

Penguin_ said:

I've opened a Natwest account for my 15 year old daughter.

And one mother reported the other day that Natwest have closed her 13-year old daughter's account out of the blue. There's lots of bad press about Natwest and their willy-nilly closing of accounts.

Here is a list of all the youth accounts: https://www.which.co.uk/money/banking/bank-accounts/best-childrens-bank-accounts-arspc9p7mk0y

My first choice for a youngster would be Starling, followed by Santander. Starling can definitely be opened online/through the app. Santander might need a Branch visit which can be tricky atm.

Don't think Starling offer an account to 15 year olds. just the kids connected card thing.

colsten

Deleted_User said:

colsten said:

Penguin_ said:

I've opened a Natwest account for my 15 year old daughter.

And one mother reported the other day that Natwest have closed her 13-year old daughter's account out of the blue. There's lots of bad press about Natwest and their willy-nilly closing of accounts.

Here is a list of all the youth accounts: https://www.which.co.uk/money/banking/bank-accounts/best-childrens-bank-accounts-arspc9p7mk0y

My first choice for a youngster would be Starling, followed by Santander. Starling can definitely be opened online/through the app. Santander might need a Branch visit which can be tricky atm.

Don't think Starling offer an account to 15 year olds. just the kids connected card thing.

Yes, it's the Starling Kite, a perfectly good account for a 15 year old. The parent may or may not choose to do their banking at Starling, they just need a 'master' account to which the Kite is attached.

[Deleted User]

colsten said:

Deleted_User said:

colsten said:

Penguin_ said:

I've opened a Natwest account for my 15 year old daughter.

And one mother reported the other day that Natwest have closed her 13-year old daughter's account out of the blue. There's lots of bad press about Natwest and their willy-nilly closing of accounts.

Here is a list of all the youth accounts: https://www.which.co.uk/money/banking/bank-accounts/best-childrens-bank-accounts-arspc9p7mk0y

My first choice for a youngster would be Starling, followed by Santander. Starling can definitely be opened online/through the app. Santander might need a Branch visit which can be tricky atm.

Don't think Starling offer an account to 15 year olds. just the kids connected card thing.

Yes, it's the Starling Kite, a perfectly good account for a 15 year old. The parent may or may not choose to do their banking at Starling, they just need a 'master' account to which the Kite is attached.

Well that's just crap. I had my own current account with TSB with an ATM card at 13 and I'm sure I had an Electron card by time I was 15.

colsten

Deleted_User said:

Well that's just crap. 

??Pardon??

Thrugelmir

DebbyandHolly said:

Can anyone help... yesterday my 15 year using her Go Henry card was annoyed as it was refused on the Bus ...AGAIN...so decided maybe time to apply for a normal bank account. 

Have you checked the activity on the account? 

[Deleted User]

colsten said:

Deleted_User said:

Well that's just crap. 

??Pardon??

???

I'm saying the idea of being stuck with a card that your parent has control over is crap when there are other accounts on the market that are designed to give you full access e.g. the 11-19 account from Lloyds.