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 students or in P7
  • You’re aged between 11 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.

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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.

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:

    • We will verify your mobile number and email address by sending codes to them during the application. Be ready to receive them.
    • If you are under 13 years of age, your parent/guardian will need to provide consent for your account to be open. Ask them to be with you while you apply.

  • Step 2: Click Apply!

    • Remember: you need to be 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.
    • Visit one of our local branches in Northern Ireland bringing original proof of identity and address documents. There is no need for an appointment. You can see the list of documents that we accept here.
    • 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?
    If you are under 16 years of age:

    Options when providing proof of identity and address documents

    • You and your parent/guardian can visit one of our local branches in Northern Ireland and bring your original documents with you. These documents do not need to be certified. There is no need for an appointment.
    • If you apply over the phone or are asked to re-upload documents submitted online, you can use our Document Uploader. These documents must be certified by one of the following:
      • Accountant, Solicitor, Barrister, Attorney, Commissioner of Oaths/Notary Public, Justice of the Peace
      • Post Office Official (UK only)

    The documents we accept

    We need one document from each of the below proof of identity and proof of address lists, from both you and your parent/guardian.

    Proof of identity
    • Original birth certificate (under 16s only)
    • Valid Passport (all countries)
    • National Identity Card (from EU/EEA countries only with photo and DOB)
    • Passport Travel Card (from EU/EEA Countries only)
    • UK or ROI Driving Licence (full or provisional)
    • UK Biometric Residency
    • Current Full Photo Card Driving Licence (EU/EEA/US/Canada/Australia)
    • Electoral ID Card (NI only)
    • Current Firearms Certificate or Shotgun licence
    Proof of address
    • UK/EU Driving Licence (when not used as identity document)
    • Original/Electronic financial institution statement e.g. Bank / Building Society / Credit Card / Credit Union statement (dated within the last 6 months) E-Statements must include the logo of the regulated institution. (dated within last 6 months)
    • Original/electronic household utility bill e.g. gas, electric, home phone/broadband, waste and water charges (not mobile phone or dongle contracts) (dated within the last 6 months)
    • Original HMRC/Revenue commissionner correspondance, e.g. Tax Coding, etc. (excluding P60/P45/ National Insurance number correspondence) (dated within the last 6 months)
    • Original letter from Government Dept/Agency relating to grants/entitlements (dated within the last 6 months)
    • UK Local Authority Correspondence (e.g. rates / council tax, Housing Executive, Electoral Office) (dated within last 12 months)
    • Original correspondence from DWP/Department of Social Welfare relating to benefits/pension or social welfare claim (dated within last 6 months)
    • EEA/USA/Canadian/Australian photo card Driving Licence (when not used as identity document)
    • Current property tax letter (dated within last 12 months)
    • Current original motor tax certificate (dated within last 12 months)
    • Current original health/home/car insurance (must have address detailed) (dated within last 12 months)

    Important notes

    Your proof of address can be under the name of the parent/guardian that you live with.

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

    All documents must be originals and the most recent ones. We don’t accept expired documents.

    Documents used for proof of address should show your full name and current address. Documents used for proof of identity that also state an address must show your current address.

    If you are 16 years of age or over:

    Options when providing proof of identity and address documents

    • You can visit one of our local branches in Northern Ireland and bring your original documents with you. These documents do not need to be certified. There is no need for an appointment.
    • If you apply over the phone, you can use our Document uploader. These documents must be certified by one of the following:
      • Accountant, Solicitor, Barrister, Attorney, Commissioner of Oaths/Notary Public, Justice of the Peace
      • Post Office Official (UK only)

    The documents we accept

    We need one document from each of the below proof of identity and proof of address lists, in your name.

    Proof of identity
    • Valid Passport (all countries)
    • National Identity Card (from EU/EEA countries only with photo and DOB)
    • Passport Travel Card (from EU/EEA Countries only)
    • UK or ROI Driving Licence (full or provisional)
    • UK Biometric Residency Permit (physical or electronic document)
    • Current Full Photo Card Driving Licence (EU/EEA/US/Canada/Australia)
    • Electoral ID Card (NI only)
    • Current Firearms Certificate or Shotgun licence
    Proof of address
    • UK/EU Driving Licence (when not used as identity document)
    • Original/Electronic financial institution statement e.g. Bank / Building Society / Credit Card / Credit Union statement (dated within last 6 months)
    • Original/Electronic household utility bill e.g. gas, electric, home phone/broadband, waste and water charges (not mobile phone or dongle contracts) (dated within last 6 months) E-statements must include the logo of the regulated institution.
    • Original HMRC/Revenue commissionner correspondance, e.g. Tax Coding, etc. (excluding P60/P45/ National Insurance number correspondence) (dated within last 6 months)
    • Original letter from Government Dept/Agency relating to grants/entitlements (dated within last 6 months)
    • UK Local Authority Correspondence (e.g. rates / council tax, Housing Executive, Electoral Office) (dated within last 12 months)
    • Original correspondence from DWP/Department of Social Welfare relating to benefits/pension or social welfare claim (dated within last 6 months)
    • EEA/USA/Canadian/Australian photo card Driving Licence
    • Current property tax letter (dated within last 12 months)
    • Current original motor tax certificate (dated within last 12 months)
    • Current original health/home/car insurance (must have address detailed) (dated within last 12 months)

    Important notes

    If you are over 18 years of age and apply over the phone, we will try to identify you electronically. To do this we use information held by credit reference agencies. If we need any documents from you, we will let you know during the call.

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

    All documents must be originals and the most recent ones. We don’t accept expired documents.

    Documents used for proof of address should show your full name and current address. Documents used for proof of identity that also state an address must show your current address.

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  • What charges will I pay?

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

    • For using your card to make transactions in a foreign currency. Please check the debit cards section for full details.
    • For some extra services that you may you ask us to provide. These are usually charged at the time we provide the service. For the list of these services and their pricing, please see our Schedule of Service Charges and Charges Explained brochure above.

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Standards of Lending Practice, personal customers

Lending Standards Board

Bank of Ireland UK adheres to the Standards of Lending Practice which are monitored and enforced by the Lending Standards Board. A copy of the Statement of Lender and Borrower responsibilities is available here.

FSCS Protection

Your eligible deposits with Bank of Ireland (UK) plc are protected up to a total of £85,000 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 Money. 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