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

colsten

Deleted_User said:

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. 

If you read the OP, the application at Lloyds has bern turned down, for reasons we don’t know. How do your posts help the OP to find a provider who will let their kid have a proper debit card?

pramsay13

Both of my sons have a Nationwide FlexOne account. 
One was opened in the branch a few years ago, we just needed a passport.
Other one was opened over the phone last year as branches were closed, and I think we had to send off passport, or a copy of it.

[Deleted User]

colsten said:

Deleted_User said:

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. 

If you read the OP, the application at Lloyds has bern turned down, for reasons we don’t know. How do your posts help the OP to find a provider who will let their kid have a proper debit card?

All other high street banks offer a same type of account.

colsten

Deleted_User said:

colsten said:

Deleted_User said:

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. 

If you read the OP, the application at Lloyds has bern turned down, for reasons we don’t know. How do your posts help the OP to find a provider who will let their kid have a proper debit card?

All other high street banks offer a same type of account.

If you check the link I posted two days ago in this thread, it contains a list of who offers what. There are a few who offer online applications, amongst them the obvious banks without High Street presence. I happen to agree with the Which? recommendation, you clearly do not. It's up to the OP what they make of it.

[Deleted User]

colsten said:

Deleted_User said:

colsten said:

Deleted_User said:

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. 

If you read the OP, the application at Lloyds has bern turned down, for reasons we don’t know. How do your posts help the OP to find a provider who will let their kid have a proper debit card?

All other high street banks offer a same type of account.

If you check the link I posted two days ago in this thread, it contains a list of who offers what. There are a few who offer online applications, amongst them the obvious banks without High Street presence. I happen to agree with the Which? recommendation, you clearly do not. It's up to the OP what they make of it.

I actually bank with Starling for my main current account. All I'm saying is there are better accounts out there available for 15 year olds than Starling's offer of a card that mummy/daddy controls.

General_Grant

Deleted_User said:

colsten said:

Deleted_User said:

colsten said:

Deleted_User said:

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. 

If you read the OP, the application at Lloyds has bern turned down, for reasons we don’t know. How do your posts help the OP to find a provider who will let their kid have a proper debit card?

All other high street banks offer a same type of account.

If you check the link I posted two days ago in this thread, it contains a list of who offers what. There are a few who offer online applications, amongst them the obvious banks without High Street presence. I happen to agree with the Which? recommendation, you clearly do not. It's up to the OP what they make of it.

I actually bank with Starling for my main current account. All I'm saying is there are better accounts out there available for 15 year olds than Starling's offer of a card that mummy/daddy controls.

Fair enough - when mummy/daddy are not funding it and the 15-y-o is legally responsible for what they do.

colsten

General_Grant said:

Deleted_User said:

colsten said:

Deleted_User said:

colsten said:

Deleted_User said:

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. 

If you read the OP, the application at Lloyds has bern turned down, for reasons we don’t know. How do your posts help the OP to find a provider who will let their kid have a proper debit card?

All other high street banks offer a same type of account.

If you check the link I posted two days ago in this thread, it contains a list of who offers what. There are a few who offer online applications, amongst them the obvious banks without High Street presence. I happen to agree with the Which? recommendation, you clearly do not. It's up to the OP what they make of it.

I actually bank with Starling for my main current account. All I'm saying is there are better accounts out there available for 15 year olds than Starling's offer of a card that mummy/daddy controls.

Fair enough - when mummy/daddy are not funding it and the 15-y-o is legally responsible for what they do.

Quite. Besides, it is down to mummy and daddy how much freedom they grant their 15 year old with her finances and the apps. More than that, as the OP and their daughter are currently using GoHenry, they are quite familiar with the concept deployed by Starling Kite.

Anyway, it's up to the OP what they select. They may or may not come back and tell us what they have decided to do.

[Deleted User]

At 15 I had 2 paper rounds and was looking after my own money. Obviously kids nowadays don't do jobs like this.

No wonder Martin has a campaign for teaching children financial sense.  

MalMonroe

Deleted_User said:

At 15 I had 2 paper rounds and was looking after my own money. Obviously kids nowadays don't do jobs like this.

No wonder Martin has a campaign for teaching children financial sense.  

That really was very responsible of you. I didn't have a clue about money when I was 15 and I'm talking the 1960s. My parents wouldn't allow me to deliver papers either and in turn, I never allowed my daughter to deliver them. I didn't start appreciating financial matters until I was earning real money at the age of 18. We all have our own backgrounds, doesn't make us any better or worse than anyone else.

Children these days won't have paper rounds because most papers are online now and there's not much call. Teaching children, or anyone else, financial sense isn't the issue here, though.

The issue here is that a 15 year old was refused a card that is specifically aimed at 11 to 19 year olds and the OP doesn't know why.