Children's bank account: BarclayPlus

Children's accounts
  • BarclayPlus: ideal for ages 11 to 15
  • Barclays cash card or debit card gives you easy access to your money
  • Earn more interest 


  • A children's bank account that you can open with as little as £1
  • Earn interest – and the more you save, the more interest you'll earn from 0.25% AER / 0.25% gross pa 1 on balances of £1 or more
  • Barclays cash card for withdrawing up to £50 a day from Barclays cash machines 2
  • Barclays debit card 3 that lets you shop or withdraw up to £300 a day from cash machines, as long as you've got money in your account
  • Pay cash straight into your account – perfect for saving your pocket money or allowance
  • No monthly account fee and free day-to-day banking

Rates & charges for the BarclayPlus account are detailed below. These charges and interest rates are variable and the Bank reserves the right to amend them from time to time.

BarclayPlus interest rates

Day-to-day banking services charges
Issue of cash cards/VISA debit cards Free
Payments into your account Free
Telephone Banking Call charges Free
Statements Free


Additional service charges
Barclays Direct Presentation Service 7 £20
Same-day transfer of money in the UK using CHAPS £25
Banker's draft £15


These charges are applied at the time the service is provided.


Card charges


Cash card
Cash withdrawal from UK cash machines 4 Free
Cash over the counter at Barclays 5 Free


Debit card charges
See our debit card rates and charges page


You cannot use your cash card abroad.

Important information about the Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). The FSCS can pay compensation to depositors if a bank is unable to meet its financial obligations. Most depositors – including most individuals and small businesses – are covered by the scheme.

In respect of deposits, an eligible depositor is entitled to claim up to £85,000. For joint accounts each account holder is treated as having a claim in respect of their share so, for a joint account held by two eligible depositors, the maximum amount that could be claimed would be £85,000 each (making a total of £170,000). The £85,000 limit relates to the combined amount in all the eligible depositor’s accounts with the bank, including their share of any joint account, and not to each separate account.

For further information about the compensation provided by the FSCS (including the amounts covered and eligibility to claim) please ask at your local branch, refer to the website Financial Services Compensation Scheme or call the FSCS on 020 7741 4100 or 0800 678 1100. Please note only compensation-related queries should be directed to the FSCS.

Barclays Bank PLC may also accept deposits under the following trading names; Barclays, Barclays Bank, Barclaycard, Barclays Business, Barclays Capital, Barclays Corporate, Barclays Direct, Barclays UK & Ireland Private Bank, Barclays International Private Banking, Barclays Premier Barclays Private Bank, Barclays Wealth, Woolwich Mortgages. Deposits accepted from an eligible depositor under these trading names are combined for the purposes of deposit compensation from the FSCS. The FSCS is not applicable to deposits held at branches in the Channel Islands or the Isle of Man.

To open children's bank accounts, we need confirmation of who you are and where you live – this is required by government regulations. We need 2 original documents (not photocopies) from the lists below.

To confirm who you are, we need 1 of the following:

  • Full passport
  • European Union National Identity Card
  • An introduction from a parent or guardian who is a Barclays customer can be used instead of the documents above. Your parent or guardian needs to prove your identity with a birth certificate or NHS medical card.

To confirm where you live, we need 1 of the following:

  • Bank statement (less than 3 months old) from another bank
  • An introduction from a parent or guardian who is a Barclays customer can be used instead of the documents above. Your parent or guardian needs to prove your identity with a birth certificate or NHS medical card.


This could suit you if:

  • You're 11 to 15 years old
  • You want to earn interest
  • You'd like a cash card or a debit card

See our alternative accounts if:

  • You're looking for a children's savings account
  • You're a parent and want a trust fund

Apply for a children's bank account

  • Apply in any branch
  • Don't forget to bring your ID
  • Complete the form and take it to a branch to save time

Looking for alternative accounts?

Late teens bank account – A bank account for 16 to 19 year olds

Children's Savings – Bank accounts for kids – designed for parents


Important information

1. Gross is the rate of interest payable before income tax is deducted. Interest is payable gross to non-taxpayers subject to the required certification. AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year.

2. You can also use your Barclays cash card wherever you see the LINK sign and your Barclays debit card wherever you see a PLUS sign.

3. To apply for a Barclays Visa Debit Card, you'll need permission from your parent or guardian. If you're a parent, please note that if you give your child a gift of money that produces more than £100 of gross interest per year, the income will normally be taxed as yours. Most children don't pay tax on savings interest. If this is the case for you, ask for the R85 form at a branch when you open your BarclayPlus children's bank account or go to the HM Revenue and Customs site and then once we receive your completed form, we'll pay interest without deducting tax.

4. Barclays will not charge you for using your card in Barclays or Link ATM. Other companies may make a charge but must tell you on-screen before you commit to any transaction. This relates to Sterling transactions in the UK, Channel Islands, Isle of Man and Gibraltar only.

5. Some branches may require advance notice if you request a cash amount over the counter that exceeds your daily ATM withdrawal limit.

6. If you use your debit card abroad, you'll be charged a 2.99% foreign exchange charge. On top of this, if you're getting cash over the counter at a bank (including Barclays), or using an ATM other than a Barclays ATM or those within the Global Alliance, you'll also be charged 2% of the transaction (minimum charge £1.50, maximum £4.50) and there may be other charges. See which banks are in our Global Alliance . The 2.99% foreign exchange charge is included in the exchange rate used by the card scheme to convert the currency amount into sterling on the day it processes the transaction.

7. The Direct Presentation Service provides rapid cheque clearance.