Young person (16-17 years old)

An account can be opened by a young person aged 16-17 years with a cheque or a payment from an account in their name. You must complete an application form and send it to us. See the section on 'How to apply below'.

Alternatively, a parent/guardian or relative can open an account on the behalf (and in the name of a young person (16-17 years old) with either:

• a cheque (drawn on their own personal current account);
• a bank or building society cheque (supported by an investment account statement); or
• a bank transfer.

A covering letter that confirms the relation to the young person and declares that the money will indeed be used by the young person must also be provided during the application. We will need to verify the identity and address of the young person. For details of how this is done, please read the Savings account identification leaflet. You can find this below.

Child (under 16 years old)

An account can be opened by a parent/guardian or relative as a trustee for a child under the age of 16 years if the parent/guardian or relative makes an initial deposit from an account held in their name.

Applicants (the parents/guardians or relatives) must each have their identity verified in accordance with the information provided in the Savings account identification requirements leaflet. Birth/Adoption certificate (original only), NHS Medical Card or National Insurance notification letter must also be provided during application.