Student Account (11-19 Years)

A first bank account for children and teens, full of great features for you to start managing your money.

 

Why choose the Student Account (11-19 Years)?

Pay nothing for everyday banking

Text alerts to stay in control

Bank in-branch, over the phone, at our branches or your local Post Office

Earn interest on your money

Use a debit card to shop and pay

Use Apple Pay and Google Pay

Take out and pay in money at the Post Office

Money Insights 365 on our mobile app

If you are 14 or older, bank online or in our app

Is the Student Account (11-19 Years) right for me?

This product is right for you if:

  • You’re a full-time secondary school student or in P7
  • You’re aged between 10 and 19

This product may not be right for you if:

  • You’re not at secondary school
  • You need an account for your business

Compare our other accounts

If this account is not suitable for you, please check our comparison section to help you find the right account.

Compare Products

What are the interest rates?

Interest while your account is in credit

A little bit of interest to give you the taste of earning some money on your money.

Balance AmountGross / AER %
£1+0.10%

Interest rates are variable and is paid monthly to your account.

If you have money that you don’t need for everyday use, you should think about using a savings account. A savings account could give you higher interest and will help you save for your future.

What happens once you finish secondary school

Let us know what you are doing next! We have a range of accounts to suit your needs, whether you will continue your studies or start to earn your own money.

Current Account switch guarantee

How to switch

You can switch your current account to us in just 7 working days using the Current Account Switching Service.

We will sort everything for you

Once your account is set up, we will automatically transfer all of your payments, balance and all your online banking payees

There should not be any problems but if something goes wrong the Current Account Switch Guarantee means you will not be out of pocket

Read more about the Current Account Switch Service here

Ready To Apply?

To open this account we need a completed application together with documents that prove your identity and address. You will need:

  • A valid form of photo ID
  • A proof of address
  • If you are switching to us, have your current bank account number and sort code to hand. Plus, your account debit card if you have one.

If you are under 13 years of age, your parent or guardian will need to provide consent for your account to be open. Ask them to be with you while you apply.

Find out about the identity and address documents that we accept here. Make sure you refer to the correct section of the list, especially if you’re under 16, to avoid delays.

The quickest way is online

  • Step 1: Get ready! Choose your device (mobile, tablet or computer) plus have the documents and details above at hand

    Keep in mind:

    • If you’re over 16, you can upload your documents and take a selfie during your application. You will need a phone, tablet or computer with a camera. You can either take a photo of your original paper document or use the original digital file. We cannot accept screenshots. We recommend saving the files to your device before you start. If you prefer, you can bring your original documents to any of our branches in Northern Ireland. You do not need to book an appointment
    • We will verify your mobile number and email address by sending codes to them during the application. Be ready to receive them
    • Savings accounts, such as KidSave, can’t be changed to a Student 11-19 account. However, you can apply for a new Student 11-19 account at any time.

  • Step 2: Click Apply!

    • By applying you confirm you’re at least 10 years old and agree to use the account for personal use only.
    • We currently do not have a way for you to save and return later to your application. Get ready to complete everything in about 20 minutes and make sure you go all the way to the submit button!

     
    Apply now

  • Step 3: Well Done! Receive the account documents and wait for your account number

    • Once you submit your application, we will send you an email straight away with all the information you will need.
    • If you’re under 16, you’ll need to visit a branch to show your documents, and you if you’re under 13, your parent or guardian must come too. You do not need to book an appointment
    • We’ll check your application and documents. All being well we’ll work on opening your account. Once your account is open we will send you an email with your account number.

Apply over the phone

Need help and prefer to apply over the phone with one of our staff? Call 0800 0850 444 for free Mon to Fri 9am to 5pm.

How to manage your account

Free Text Alerts

Get alerted about events happening on your account

Find out more

365 Digital Banking

Manage your money online or through our banking app

Find out more

Pay with your Phone

Apple Pay
Google Pay

Ways to Bank

Bank with us online, over the phone, in branch and at your local Post Office

Find out more

Contactless Debit Card

Make payments up to £100 without entering your PIN

Find out more

Financial Wellbeing

Keep your finances healthy

Find out more

Card Controls

It’s easier than ever for you to control your debit card

Find out more

Turn off Paper Statements

Go digital and save paper. Free online statements

Find out more

Help Centre

Find answers to lots more of your questions

Find out more

Important Information


Student 11-19 Years Current Account Brochure


Personal Current Account Terms and Conditions


Student Current Account Charges Explained


Schedule of Service Charges


Smarter Banking

Links to related information

FAQs

  • What are the identity and address documents accepted?

    The documents you can use may depend on your age and how you apply. Select your age to see which documents you can use and how to provide them.

    If you are under 13 years of age

     

    You will need from both you and your parent or guardian:

    • One proof of identity document and
    • One proof of address document.

    You and your parent or guardian must visit one of our local branches in Northern Ireland and bring your original documents with you. There is no need for an appointment.

    The same document can’t be used twice for proof of identity and proof of address, even if it appears on both lists.

    Proof of identity

    The document must show your full name. We cannot accept initials or expired documents.

    If your identity document shows an address, it must match the current address provided in your application.

    We accept:

    • A valid passport from any country
    • An original birth certificate (under 18s only)
    • A National Identity Card from an EU or EEA country, showing a photograph and date of birth
    • A passport travel card from an EU or EEA country
    • A full or provisional UK or Republic of Ireland driving licence
    • A UK Biometric Residency Permit (eVisa)
    • A current full photocard driving licence from the EU, EEA, United States, Canada or Australia
    • An Electoral Identity Card issued in Northern Ireland
    • A current firearms certificate or shotgun licence.

    Proof of address

    The document must show your full current address and first and last names. We cannot accept initials on your first name.

    We accept:

    • A UK, EU, EEA, US, Canadian or Australian photocard driving licence, if it has not already been used as proof of identity
    • A bank, building society, credit card company or credit union statement dated within the last six months. We do not accept Monzo statements. You can use a statement for any type of account, such as a savings account, current account, mortgage, loan or credit card. If you upload a digital statement, it must be a pdf file and show the bank or company’s logo
    • A household bill dated within the last 6 months. For example, gas, electricity, home phone or broadband, waste or water charges. Mobile phone bills or dongle contracts cannot be used
    • HMRC or Revenue Commissioner correspondence dated within the last six months. For example, Tax Coding (we do not accept P60, P45 or a letter confirming your National Insurance number)
    • Local authority correspondence dated within the last 12 months. For example, rates or council tax, Housing Executive, Electoral Office (polling card cannot be used if an Electoral ID card is used for identity)
    • Department for Work and Pensions or Department of Social Welfare correspondence dated within the last six months. For example, a letter relating to benefits or pension or social welfare claim
    • Government correspondence about grants or entitlements dated within the last six months. For example, an Education Maintenance Allowance (EMA) letter
    • A property tax letter dated within the last 12 months
    • A motor tax certificate dated within the last 12 months
    • A health, home or car insurance document dated within the last 12 months

    Important notes

    If you don’t have a proof of address document in your own name, your proof of address must be under the name of the parent or guardian that you live with.

    If a legal guardian is acting on the child’s behalf, we require evidence of guardianship.

    If you apply by phone and need to provide documents, you can either bring them to one of our branches or upload them using our Document Upload service. If you choose to upload your documents, your original proof of identity document must be certified before a photograph is taken and uploaded. The document can be certified by one of the following:

    • An accountant, solicitor, barrister, attorney, commissioner for oaths, notary public, or justice of the peace
    • A Post Office official (UK only)
    • Embassy or government official provided they have an official brand confirming the government department.
    If you are aged 13 to 15

     
    You will need:

    • One proof of identity document and
    • One proof of address document.

    You must go to one of our branches in Northern Ireland and bring your original documents. We must get them directly from you, no one else can bring them. You do not need an appointment.

    The same document can’t be used twice for proof of identity and proof of address, even if it appears on both lists.

    Proof of identity

    The document must show your full name. We cannot accept initials or expired documents.

    If your identity document shows an address, it must match the current address provided in your application.

    We accept:

    • A valid passport from any country
    • An original birth certificate (under 18s only)
    • A National Identity Card from an EU or EEA country, showing a photograph and date of birth
    • A passport travel card from an EU or EEA country
    • A UK Biometric Residency Permit (eVisa)
    • A current firearms certificate or shotgun licence.

    Proof of address

    The document must show your full current address and first and last names. We cannot accept initials on your first name.

    We accept:

    • A bank, building society or credit union statement dated within the last six months. We do not accept Monzo statements.
      You can use a statement for any type of account, such as a savings account or current account. If you upload a digital statement, it must be a pdf file and show the bank or company’s logo.

    Important notes

    If you don’t have a proof of address document in your own name, your proof of address must be under the name of the parent or guardian that you live with. In this case we will also need a proof of identity document from your parent or guardian.

    Your parent or guardian can use the documents listed in the If you are aged 16 and over section. You and your parent or guardian must visit one of our local branches in Northern Ireland and bring your original documents with you. You do not need an appointment.

    If a legal guardian is acting on the child’s behalf, we require evidence of guardianship.

    If you apply by phone and need to provide documents, you can either bring them to one of our branches or upload them using our Document Upload service. If you choose to upload your documents, your original proof of identity document must be certified before a photograph is taken and uploaded. The document can be certified by one of the following:

    • An accountant, solicitor, barrister, attorney, commissioner for oaths, notary public, or justice of the peace
    • A Post Office official (UK only)
    • Embassy or government official provided they have an official brand confirming the government department.
    If you are aged 16 and over

     
    You will need:

    • One proof of identity document and
    • One proof of address document.

    Both documents must be in your name. The same document can’t be used twice for proof of identity and proof of address, even if it appears on both lists.

    Proof of identity

    The document must show your full name. We cannot accept initials or expired documents.

    If your identity document shows an address, it must match the current address provided in your application.

    We accept:

    • A valid passport from any country
    • A National Identity Card from an EU or EEA country, showing a photograph and date of birth
    • A passport travel card from an EU or EEA country
    • A full or provisional UK or Republic of Ireland driving licence

    If you apply by phone, or apply online and choose to bring your documents to a branch, you can also use:

    • A UK Biometric Residency Permit (eVisa)
    • A current full photocard driving licence from the EU, EEA, United States, Canada or Australia
    • An Electoral Identity Card issued in Northern Ireland
    • A current firearms certificate or shotgun licence.

    Proof of address

    The document must show your full current address and first and last names. We cannot accept initials on your first name.

    We accept:

    • A UK, EU, EEA, US, Canadian or Australian photocard driving licence, if it has not already been used as proof of identity
    • A bank, building society, credit card company or credit union statement dated within the last six months. We do not accept Monzo statements. You can use a statement for any type of account, such as a savings account, current account, mortgage, loan or credit card. If you upload a digital statement, it must be a pdf file and show the bank or company’s logo
    • A household bill dated within the last 6 months. For example, gas, electricity, home phone or broadband, waste or water charges. Mobile phone bills or dongle contracts cannot be used
    • HMRC or Revenue Commissioner correspondence dated within the last six months. For example, Tax Coding (we do not accept P60, P45 or a letter confirming your National Insurance number)
    • Local authority correspondence dated within the last 12 months. For example, rates or council tax, Housing Executive, Electoral Office (polling card cannot be used if an Electoral ID card is used for identity)
    • Department for Work and Pensions or Department of Social Welfare correspondence dated within the last six months. For example, a letter relating to benefits or pension or social welfare claim
    • Government correspondence about grants or entitlements dated within the last six months. For example, an Education Maintenance Allowance (EMA) letter
    • A property tax letter dated within the last 12 months
    • A motor tax certificate dated within the last 12 months
    • A health, home or car insurance document dated within the last 12 months

    Important notes

    If you are aged 18 or over, we may try to confirm your identity and/or address electronically using information held by credit reference agencies.

    If a legal guardian is acting on the child’s behalf, we require evidence of guardianship.

    If you apply by phone and need to provide documents, you can either bring them to one of our branches or upload them using our Document Upload service. If you choose to upload your documents, your original proof of identity document must be certified before a photograph is taken and uploaded. The document can be certified by one of the following:

    • An accountant, solicitor, barrister, attorney, commissioner for oaths, notary public, or justice of the peace
    • A Post Office official (UK only)
    • Embassy or government official provided they have an official brand confirming the government department.


  • What charges will I pay?

    We don’t charge a monthly fee for maintaining the account, but charges can apply:


  • How can I get in touch?

    You can call us for free on 0800 0850 444. Lines are open Monday to Friday, 9am to 5pm


FSCS Protection

Your eligible deposits with Bank of Ireland (UK) plc are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Bank of Ireland UK and Post Office. Any total deposits you hold above the limit between these brands are unlikely to be covered.

Please click here for further information or visit www.fscs.org.uk