You can use this comparison to find a bank account if you are 16 or under. It lets you compare every current account available to 11 to 16 year olds.

We include the minimum age for each one so you can find a suitable account. Look for one that offers everything you need from your first bank account, like:

  • A debit card, which you can use to pay in person or online

  • Internet banking, which lets you manage your account and make payments online

  • A nearby branch so you can make withdrawals or pay in cash and cheques

  • Direct debits and standing orders you can set up to pay your bills automatically

  • A high interest rate on your balance

If several meet your needs, pick the best one by checking for extra benefits you would use like cashback or discounts in shops.

How to open an account

Some banks let you apply online or by post, but you can only open some accounts in a branch and if you have a parent or guardian with you.

They usually ask for two pieces of identification to prove:

  • Your name: Usually your passport or birth certificate

  • Your address: A utility bill or financial statement

Address identification can be in the name of one of your parents or guardians if they have the same address as you.

How do they work?

Kids' accounts work in the same way as an adult's bank account, so you can:

  • Have your wages paid in if you have a job

  • Pay cash or cheques in yourself

  • Receive bank transfers from other people

  • Withdraw money from a cash machine

  • Pay for things using the debit card that comes with the account

  • Transfer money to other people

  • Pay regular bills by direct debit, e.g. your mobile phone bill

However, they do not come with an overdraft because you have to be at least 18 to get one.

You could get a bank account once you are 11 years old. If you are under 11, you could get a children's savings account instead.

Children's bank accounts FAQs


What is the minimum age on a child's account?


At least 11 years old, but some have a higher minimum age. Younger children can get a savings account to pay money into instead.


How many current accounts can I have?


You could open more than one, but most banks only let you hold one current account with them.


Can I get interest on my current account?


Yes, some bank accounts pay interest when you have money in them. Here is how interest works.


Do junior bank accounts offer debit cards?


Yes, most accounts do, but some only come with a card you can use in cash machines. This comparison shows what type comes with each account.


How old do I need to be to get a debit card?


Most banks set a minimum age of 11, but some only offer a debit card if you are 16 years old or more.


Do I need my parents to open and run my account for me?


No, you can open your account and use it yourself, but some banks need your parents to be with you when you first open it.

About our current accounts comparison


Who do we include in this comparison?


We include every personal current account in the UK that can be opened by someone aged 16 or under. They are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.


How do we make money from our comparison?


We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and the deal you get is not affected.