Tailored for 11 to 17 year olds, the Expresscash account can help you make the most of your pocket money.

Account features

Start earning interest

  • For accounts opened on or after 23 August 2021 - Earn interest of 0.50% AER (0.50% gross p.a.) variable on credit balances between £1 and £999.99.
  • For accounts opened before 23 August 2021 - Earn interest of 0.50% AER (0.50% gross p.a.) variable on credit balances between £1 and £2,499.99.

More about credit interest

Access your money, your way

  • You'll get a contactless Visa debit card so you can buy things online, in shops and take money out at cash machines.
  • If you have a smartphone, you can add your debit card to Apple Pay or Google Pay (age restrictions apply).

Money management made easy

  • Discover a range of easy-to-use features that help you track your spend and save money on our Mobile Banking app.
  • No overdraft facility - If you accidentally try and spend money that isn’t there, the transaction won’t go through.
 

Ready to apply for an Expresscash Account?

Let's get you started.

Select the age of the child or teenager below to see the application process.

    • Mobile Banking app. Scan the QR code with a parent or guardian to get started and then pop into any branch to complete the application.
    • Online application can be started for 13-15 year olds. Start an application online with a parent or guardian and then pop into any branch to complete the application.
    • In a branch. A parent or guardian will need to accompany you and you’ll need to bring proof of identity (e.g. a passport or birth certificate) and proof of your parent or guardian’s identity and address (e.g. a utility bill from the last 6 months).

      Book an appointment at your local branch by calling us on 0345 720 3040. Lines are open 8am – 8pm, 7 days a week.
    • Mobile Banking app. Scan the QR code to get started  and provide proof of your identity with a passport or Biometric Residence Permit card.
    • Online application can be completed for 16-17 year olds. Start an application online and provide proof of your identity with a passport or Biometric Residence Permit card.
    • In a branch. You’ll need to bring proof of identity (e.g. a passport or birth certificate) and proof of your parent or guardian’s identity and address (e.g. a utility bill from the last 6 months).

    Book an appointment at your local branch by calling us on 0345 720 3040. Lines are open 8am – 8pm, 7 days a week.

  • In a branch. A parent or guardian will need to accompany you and you’ll need to bring proof of identity (e.g. a passport or birth certificate) and proof of your parent or guardian’s identity and address (e.g. a utility bill from the last 6 months).

    Book an appointment at your local branch by calling us on 0345 720 3040. Lines are open 8am – 8pm, 7 days a week.
  • Online applications cannot be completed for 11-12 year olds.

Find your local branch to open an Expresscash Account

You must be between 11 and 17 years old to apply.

Branch near me

Not the right account for you?

This account is only for 11 – 17 year olds. If you’re older than that or want to apply for an arranged overdraft, you should consider learning about our Current Account or Student Account if you’re in full-time education. Alternatively, we also offer Smart Start for 11-15 year olds.

Key information on the Expresscash Account

  • For more information and terms & conditions for this bank account read the Bank Account Getting Started Guide (PDF, 1.1MB).

    For more information about the fees associated for Payment Services with this account please see the Fee Information Document (PDF, 132KB).

    Expresscash - Ways we use your data (child friendly version) (PDF, 35KB)

  • Interest paid on credit balances

    AER%

    Gross (before tax each year) %

    AER%

    Expresscash account opened before 23 August 2021

    Gross (before tax each year) %

    0.50% on balances between £1 and £2,499.99

    0.50% on balances between £1 and £2,499.99

    AER%

    Expresscash account opened on or after 23 August 2021

    Gross (before tax each year) %

    0.50% on balances between £1 and £999.99

    0.50% on balances between £1 and £999.99

    AER stands for annual equivalent rate and shows what the interest rate would be if interest were paid and compounded each year. (In other words, you earn interest on the money you leave in your account.)

    Interest is paid Gross, meaning we will not deduct tax on your behalf. Dependent on your personal circumstances, tax may be due on your interest and it is your responsibility to disclose and pay any tax due directly to HMRC.

    We will pay interest to your account between the last day of the month and the first working day of the month after that. Interest is paid on the full amount in your account.

    All interest rates are variable.

  • As this account is just for 11 - 17 year olds, we'll automatically move you to a Current Account once you turn 18.


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