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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.

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.

8. Your eligible deposits with Barclays Bank PLC are protected up to a total of £75,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Please click here for further information www.fscs.org.uk .