Current bank accounts – once you’re 18

The full range of bank services should now be available to you – if you already have a current account, contact your  bank to let them know you are 18.

If you’re opening a new account, you may find accounts especially designed for younger people or students in particular, which offer special features; take a good look at them to find if these particular features would help you.

Whatever bank account you have, you should make sure that you use the services to your advantage: see our pages below on telephone and online banking, standing orders, direct debits, overdrafts, credit cards, debit cards, cheques and loans.

Standing orders

If you want to make regular payments to someone (every month, every three months, or every year), you can set up a standing order (more…)


An overdraft occurs when money is taken out of a bank account so that the balance remaining is below zero (more…)


Cheques seem quite old-fashioned in the 21st century; there have been attempts to phase them out, and they (more…)


A loan means borrowing money from someone else; you have to pay the money back, and unless it is (more…)