Youth Accounts

 

 Student Current Account
Find out more about our Student Current Account
Cardcash
Find out more about our ExpresscashAccount
Expresscash
Find out more about our Current Account
What your card looks like

 
Personalised debit card example

   
Age 18+ 16-17 11-15
Benefits
  • Up to £3,000 interest free overdraft by the end of your course
  • Personalised debit card
  • Commission-free foreign currency & traveller's cheques
  • We pay you 1.51% AER when
    you're in credit
  • We pay you 1.51% AER when
    you're in credit
Overdraft
  • £1,000 interest free on account opening
  • Up to £3,000 by the end of your course

No

No
Unplanned
overdraft fees
  • £28 monthly fee
  • £10 returned item fee
  • 1.82% a month (24.2% EAR)

N/A

N/A
Visa Debit Card Yes Yes Yes
24-hr Online Banking Yes Yes No
Telephone Banking Yes Yes No
  Make an appointment and apply in one of our branches  Apply now for our Cardcash Account Make an appointment and apply in one of our branches 

Representative example
If you have a Student Current Account and use a planned overdraft of £1,200, the interest rate we charge will be 0% EAR variable.

AER (Annual Equivalent Rate) - the rate if interest was paid and compounded once a year. Gross rate is the contractual rate of interest payable before the deduction of income tax at the rate specified by law.

EAR (Equivalent Annual Rate) – this is the actual annual interest rate of an overdraft. It doesn’t take into account fees and charges.

We subscribe to The Lending Code.

Overdrafts are repayable on demand.

Calls may be monitored and recorded.