Under 19s Account
A good choice
A great start
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JOB NAME
BRAND
STOCK
CODE
FINISHED
PAGE SIZE
COLOURS
04/08/2016 15:56
PCA Under 19s Account
PROOF
Bank of Scotland
PRODUCT
VERSION
DATE
1_4520304-2
ISO (i.e. A5 – Portrait)
A5
CMYK
WIDTH (mm)
148
×
HEIGHT (mm)
210
PAGE
COUNT
PROOF
DATE/TIME
5
Banking
MONTH (MM)
09
EXPECTED
24
YEAR (YY)
16
ACTUAL
24
04/08/16 - 15:56
SPREADS (Y / N ?)
N
Looking after your own money is a big step.
So it’s a good idea to choose a current account
that will start you off on the right foot.
Our Under 19s Account comes with a bank card
and easy-to-use features, making it simple for
11-18 year olds to access your cash and keep
track of your spending. Plus it grows with
you, getting you ready for whatever exciting
plans you have.
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Contents
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Under 19s at a glance
4
Choosing the right card
6
Over 16s features
11
Banking your way
13
Open an account
17
Jargon buster
21
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Helpful banking
Handy features
Our Under 19s Account has a lot to offer, however some of the benefits are
only available once you're 16 or above. Have a look at the table below to find
out what you can take advantage of — and when.
Under 19s Account Feature
11 – 15 years old
16 – 18 years old
Access to Telephone Banking
(available to customers aged 16+)
Ľ
ĩ
Access to Mobile Banking app and
Internet Banking Services
ĩ
ĩ
Access to branches and ATMs
ĩ
ĩ
A credit interest rate of 1.50% AER
(1.49% Gross) on balances up to £2,500
ĩ
ĩ
Regular statements
Free Overseas Transaction Text Alerts
ĩ
ĩ
ĩ
ĩ
ĩ
ĩ
Save the Change®
(available to customers aged 16+)
Ľ
ĩ
AA Driving School discounts
(available to customers aged 17+)
Ľ
ĩ
Everyday Offers
(available to customers aged 18+)
Ľ
ĩ
Free Weekly Balance Text Alerts
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All you need to make
banking easy
The Under 19s Account is
a great way to look after
your money.
As soon as you open your
account you’ll get:
AA Access to our Mobile Banking
app, which you can download
from the Apple App Store
or Google Play. (Our Mobile
Banking app is available to
customers from the age of 16.)
AA Choice of a:
AA Regular statements.
—— Bank of Scotland Visa debit
card that you can use to pay
for things in shops, on the
Internet, or to access your
money at ATMs.
—— Or a Cashpoint card for
accessing your money at
ATMs only.
®
AA Access to a wide network
of branches and Cashpoint®
machines - so you can access
your money easily and quickly
wherever you are.
AA The option to register for Text
Alerts to help you keep track
of your money. See page 14
for details.
We don’t charge you for Text
Alerts but your Mobile Operator
may do, so please check.
* A
ER stands for Annual Equivalent Rate and
illustrates what the interest rate would be if
interest was paid and compounded once
each year. Gross rate means that we will not
deduct tax automatically from your interest.
You are responsible for paying any tax due
to HM Revenue and Customs.
AA Earn a variable rate of interest,
paid quarterly, of 1.50%
AER (1.49% Gross) on credit
balances up to £2,500.* We
do not pay credit interest on
balances of £2,500 or more.
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Cashpoint® card
or Visa debit card?
Our Under 19s Account offers a Visa debit card to anyone
aged 11 or over, or a Cashpoint® card if you decide that is
right for you.
Our Cashpoint® card.
If you only need a card to access
money at cash machines, our
Cashpoint® card gives you access
to a large and accessible ATM
network in the UK and abroad.
With your Cashpoint® card you can
withdraw up to £200 from a Bank
of Scotland Cashpoint® machine
free of charge and from LINK cash
machines (a charge may apply).
Things to be aware of.
With our Under 19s Account
Visa debit card it’s easy to
make your everyday purchases,
whether it’s cinema tickets,
lunch or stationery supplies.
However, some transactions,
like gambling, may be
inappropriate for your age
group, so your card comes with
added functionality and will
block your purchases in some
shops or on some websites
that it recognises as being
potentially unsuitable.
This means that occasionally it
may not work for some of your
other purchases because it
thinks they are unsuitable too.
If you want to change your
card to one that doesn’t have
this added protection you can
ask for a replacement card in
branch when you turn 16.
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Or you can use our
Visa debit card...
Your Visa debit card is designed
so that if you want to buy
something and there is enough
money in your account, everything
will go through automatically.
AA I n shops, over the phone and
online (your Visa debit card
won’t work in some retailers or
on websites that aren’t suitable
for your age group, such as
gambling sites).
If there isn’t, you shouldn’t be able
to buy the item to make sure you
can’t spend money you don’t have.
AA To take out up to £500 a day
from any of our wide network
of Bank of Scotland Cashpoint®
machines free of charge or from
LINK cash machines (a charge
may apply). You can also take
out up to £300 a day from Post
Office® branches.
Ways you can use our cards
In the extremely unlikely event that
something goes wrong and you
spend more money than you have
available in your account and go
overdrawn by mistake, you won’t
be charged any fees or charges
and we’ll work with you to make
sure your account is put right.
Cashpoint® card
Visa debit card
In shops
Ľ
ĩ
Online
Ľ
ĩ
ATM
ĩ
ĩ
To get cashback
Ľ
ĩ
Over the phone
Ľ
ĩ
Abroad*
ĩ†
ĩ
* Charges apply see Banking Charges guide
†
At ATMs only.
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Using your Cashpoint®
or Visa debit card
Information that appears
on your Cashpoint® or
Visa debit card.
1. V
alid from
This is the date you can start
using your card.
2. Expires end
You won’t be able to use your
card after this date — but we’ll
automatically send you a new one
before then.
On the back of your
Visa debit card.
You’ll find seven numbers on the
white signature strip where you
sign your name. The last three
digits of this code are usually
needed when you shop online
or over the phone. This code is
sometimes described as your
security code or CVV2 code.
Bank of Scotland Cashpoint® card
3. S
ort code
This is the code that identifies
your branch.
5
1
2
4. Account number
Your unique eight-digit account
number will appear here.
Bank of Scotland Visa debit card
5. C
ard number
This is the unique long number
across the front of your card.
5
1
3
2
4
8
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Ô
Remembering your PIN.
With your card comes a PIN
(Personal Identification Number).
When you pay for something in
a shop or take out money from a
Cashpoint®, you will need to type
in your PIN. If you’re finding it hard
to remember the one we’ve given
you, then you can change it to one
that’s easier to remember.
To change your PIN visit any Bank
of Scotland Cashpoint® and insert
your card and current PIN. Then
select ‘PIN services’ and follow the
on-screen instructions. If you've
got the Mobile Banking app, you
can use it to request a new PIN.
Chip and PIN.
Chip and PIN is when you enter
your PIN into a keypad when you
use your card to buy something.
Using it is simple: Insert your Visa
debit card into a card reader or
PIN pad and check the amount.
Top Tip. Your PIN is secret —
we recommend you don’t
write it down. You must
never give your PIN to
anyone else including bank
staff and the police.
You’ll still need to sign for
some of your purchases, instead
of using chip and PIN. For
example when you’re travelling
abroad or where a retailer hasn’t
yet upgraded to chip and PIN.
If your card is lost or stolen.
Your Visa debit card or Cashpoint®
card is much safer to carry around
than cash.
But you must report any theft
or loss of your card as soon as
possible so that we can prevent
other people from using it.
Call into any Bank of Scotland
branch, or call the Bank of
Scotland 24 hour Lost & Stolen
Cards service on 0800 028 8335,
in the UK, or (+44) 131 454 1605
from abroad.
We will usually send you
another card within three to five
working days.
Enter your PIN carefully and the
machine will check it is correct,
and print you a receipt.
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Going abroad.
If you have a Cashpoint card you
can use it to take out cash from
ATMs abroad.
®
If you have a Visa debit card,
you can use it to pay for things
anywhere where you see the Visa
sign, including shops, restaurants
and cafés.
It’s more convenient and safer
than carrying lots of cash around,
plus you can withdraw local
currency from any cash machine
that displays the Visa sign.
If you've got the Mobile Banking
app, you can use it to tell us you're
going abroad, so we know your
transactions are from you. You can
also use the app to keep track of
your spending.
Charges apply when using your
Cashpoint® card or your Visa
debit card abroad, please see our
Banking Charges guide for details.
Staying in control.
Use Bank of Scotland Cashpoint®
machines 24 hours a day to check your
balance or print a mini statement, to
keep track of what you're spending.
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An account that
grows with you
When you turn 16 there are
some other benefits and
services you can use as part
of your Under 19s Account
including:
AA Access to our Telephone
Banking — page 13
AA Continue to use Internet
Banking — page 13
AA Text alerts which are part
of our Mobile Banking
service — page 13
AA AA Driving School discounts
worth over £75 (available to
customers aged 17+) — page 15
AA Save the Change® — which
makes saving easy — page 16
OVER
16s
FEATURE
Top up your mobile.
To make life easier, you can use our
free top up service for ‘Pay as You
Go’ mobile phones at any Bank of
Scotland Cashpoint® machine. Six
pre-set amounts between £10 and
£50 are available for the following
networks: Orange, Vodafone,
O2, Virgin Mobile, Tesco Mobile
and T-Mobile.
Your bank account will be
debited in the same way as a cash
withdrawal. Successful top up
transactions will reduce your £500
daily withdrawal limit.
The TESCO mobile top up service is not
available at ASDA or Waitrose stores, or at our
Cashpoint® machines at BP or Texaco garages.
AA Unrestricted Visa debit card
— when you turn 16 you can
ask us for a replacement Visa
debit card that won’t restrict
your purchases depending
on your age.
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Over 16s features
As you get older.
Everyday Offers.
In the year of your 19th birthday,
we will change your account to a
Classic Account or similar account
if we no longer offer a Classic
Account. We will always write to
you at least two months before to
let you know what's changing.
When you reach your 18th
birthday, you can benefit from
Everyday Offers.
Everyday Offers is an online service
where you can earn up to 15%
cashback using offers at the types
of places where you regularly shop.
To register and see any offers
waiting for you, log in to
Internet Banking and select
‘Everyday Offers’.
To be eligible for Everyday Offers you will
need to be over 18, have a Bank of Scotland
personal current account (excluding Basic
Account), a Bank of Scotland debit and/or
credit card and be registered for Internet
Banking. To enter the It’s On Us free draw,
you will need to be a UK resident (excluding
NI) registered for Everyday Offers for up
to one week and to have activated the It’s
On Us offer.
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Keeping track of
your money
It’s your money so we’ll do everything we can to help you keep
track of it whichever way you choose to bank.
Internet
Banking
OVER
11s
FEATURE
With just a few clicks you can:
AA
AA
AA
AA
AA
Check your up-to-the-minute balance.
Pay your bills.
Transfer funds between your Bank of Scotland accounts.
Set up, view and cancel standing orders.
Order your travel money.
We send you regular statements through the post, but if you prefer
to bank online you can have paper-free, online statements instead.
How to register.
Go to bankofscotland.co.uk or visit any branch.
Mobile
Banking app
OVER
11s
FEATURE
Download the Mobile Banking app or log in to Mobile Banking
through your mobile browser, using your Internet Banking
details to:
AA
AA
AA
AA
View your balance and transaction history.
Transfer funds between accounts.
Make payments to new and existing recipients.
Pay a friend via your mobile with our Pay a Contact service
(available to those aged 11 – 15 also).
Download at bankofscotland.co.uk or your app store
Telephone
Banking
OVER
16s
FEATURE
A fast, simple way to access your account, you can:
AA Check your current balance.
AA Pay your bills.
AA Transfer money between your own accounts or to
another person.
AA Set up standing orders and check Direct Debits.
AA Order your travel money.
Call us on 0345 721 3141
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Text Alerts
Our helpful text alerts could help you manage your account.
AA Limit Alerts - a text message to let you know when you’re
getting close to, or over your account limit.
AA High or Low Balance Alerts - you can set your own high and
low balance limits so you know how much money you have in
your account.
AA Weekly Balance Alerts - once a week we’ll send you a text
message with your balance and your last six transactions.
(available to those aged 11–15 also).
AA Overseas Transaction Alerts - we’ll text you when your Visa
debit card is used abroad to make a withdrawal or a purchase.
This should make it easier for you to spot any fraudulent
transactions on your account (available to those aged
11–15 also).
How to register for text alerts.
Call Telephone Banking on 0345 721 3141, visit Internet Banking
(if you are registered for the service), or visit any Bank of
Scotland branch.
Please note that although you can give us instructions 24 hours a day seven days a week through Internet
Banking, Mobile Banking and Telephone Banking, some of those instructions cannot be processed until
the next working day. For example, if the instruction is given after 10pm or at weekends or Bank Holidays.
Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser
for more information. We don’t charge for Mobile Banking but your mobile operator may charge for some
services, so please check with them. Services may be affected by phone signal and functionality. Internet
Banking registration is required for some services. Mobile Banking services are only available to our UK
personal customers and registration is required. The mobile app requires iOS 7.0 or above, or Android
4.1 or above, and operating system requirements may change in future. The app does not work on
jailbroken or rooted devices. Terms and Conditions apply.
Android/Google Play is a trademark of Google Inc. Apple and the Apple logo are trademarks of Apple
Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.
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Extra benefits
OVER
16s
FEATURE
Whether you’re at school, college, or starting a new job, our
Under 19s Account will help you take care of all your everyday
banking needs — plus there’s a few extras thrown in too.
Save up to £75.99 with the
AA Driving School.
Money off driving lessons –
you can save £36 on AA driving
lessons when you book your first
block of 12 lessons — that’s £3 off
each lesson.
Free AA ‘Pass your Test’
CD-ROM – just get your driving
lessons booked and receive
a CD-ROM to help you learn,
worth £19.99.
Money off ‘Pass Plus’ – after you
pass, you can go on and save £20
off Pass Plus — the DSA recognised
qualification for practical skills
of a more advanced level, such
as motorways, night driving
and driving on country roads.
This qualification could secure
a discount of up to 35% on your
car insurance.
Ā
Call the AA Driving School
on 0800 975 3679 quoting
‘BOSU192’ to redeem
these offers.
Lines are open 8.30am to 8pm Monday to
Friday and 9am to 5pm at weekends.
AA learning to drive offer. This offer and any driving lessons purchased are provided by Automobile
Association Developments Limited. Registered Office: Fanum House, Basing View, Basingstoke
RG21 4EA. Registered in England and Wales No. 1878835. We do not accept liability for the provision of
any services by the AA. We may change or withdraw these offers at any time, please check in branch to
see what is currently available.
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Save the Change
®
OVER
16s
FEATURE
We know it’s hard to save if you’re at school, college or
if you’ve just started a job, but Save the Change® is a
simple way to put a little bit aside without even knowing
you’re doing it.
AA Sign up for Save the Change®
and every time you make a
purchase with your Bank of
Scotland Visa debit card,
provided your account is in
credit, the difference will be
rounded up to the nearest
pound. This will then be
transferred into an eligible
Bank of Scotland savings
account of your choice the
next working day after the Visa
debit card transaction has been
processed and the money has
left your account.
AA Save the Change® transfers
can also be made from Bank
of Scotland current accounts
held by family members to
your chosen savings account
if they wish.
You need to be aged 16 or over
to register for Save the Change.®
If you’re under 16 it’s really easy
for a parent or guardian to register
their eligible Bank of Scotland
account for Save the Change® and
nominate their extra change into
your savings account.
You’ll need one of these accounts
to accept your Save the Change
savings; Access Saver and
Young Saver.
Ó Find out more
Find out more in branch, at
bankofscotland.co.uk/savings or
call us on 0345 721 3141.
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Opening an account
You only need £1 to open an
Under 19s Account and you can
call into any of our branches where
we’ll help you complete your
application.
AA Current passport with valid
UK Visa issued by Australia,
Canada, United States of
America, New Zealand, South
Africa or Japan.
You’ll need to bring the following
with you when you apply:
If you’re under 18 we can accept
other forms of ID, you will need to
bring one document from each of
the following lists:
AA One piece of ID from the list
below, and
AA Proof of your address, again
from the list below.
If you’re under 16 you’ll need to
be accompanied by a parent or
guardian, and they’ll need to bring
ID and proof of their address too. If
you’re over 16 you don’t need to be
accompanied.
Which documents can you
bring along?
AA Current United Kingdom signed
passport, or if you’re older a
photo driving licence, from
one of the following countries:
Austria, Belgium, Denmark,
Finland, France, Germany,
Greece, Iceland, Ireland, Italy,
Netherlands, Norway, Poland,
Portugal, Spain, Sweden.
AA Proof of Identity – UK Birth
Certificate, your Medical Card/
certificate, National Insurance
card/letter or Young Scots card.
AA Proof of Address – a letter from
your school or an introduction
from an existing customer,
for example, a parent or adult
family member who has an
account with us.
Please don’t worry if you don’t
have any of these items, we may be
able to accept other documents
instead. Please check the following
two lists.
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Proof of identity.
Proof of address.
AA All other current signed
passports with valid UK Visa.
AA Bank or building society
statement (we don’t accept
Internet statements).
AA Current UK non photo
driving licence.
AA Benefits or pensions notification
letter confirming your right
to benefit.
AA Blue Disabled Driver’s Pass.
AA Utility bill (such as a gas,
electricity or landline phone
bill) dated within the last
three months.
AA Local authority tax bill for
current year.
AA Benefits or pensions notification
letter confirming your right to
benefit (if not already used as
proof of ID).
AA Tenancy agreement issued by
solicitor, housing association,
local council or reputable
letting agency.
Please don’t worry if you don’t have
any of the items above, as we may
be able to accept other items. For
more information ask in any branch
or call us on 0345 721 3141.
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Managing your money
ó Paying
money in
It’s much safer to pay money in
to your Under 19s Account than
carrying cash or cheques around
with you. There are lots of ways
to pay in money — you’ll soon find
those that suit you best.
in money
Ñ Pataying
any Bank of
Scotland branch
Lots of people pay in over the
counter, but to save time, you can
use one of our depositpoints™.
Just use the special paying-in
envelope and paying-in slip
situated near the depositpoints™.
We can even send you a
personalised paying in book with
all your details to save you even
more time — just ask a member of
staff for more information.
You can pay in cash and cheques
at any Bank of Scotland branch
either over the counter or by
using our depositpoint™ service.
All deposits over the counter will
be processed straight away. All
deposits made in a depositpoint™
before the branch closing time
will be processed the same
working day. Any deposits using
our depositpoints™ made at
weekends will be processed the
next working day. All cash will
be immediately available when
processed and cheques will follow
normal clearance timelines.
Please remember, weekends and
Bank Holidays are not counted as
working days.
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money out
z Taking
of your account
The minimum amount of money
you can take out from a Bank of
Scotland Cashpoint® machine
is £10. Alternatively you can use
your Visa debit card to buy things
in shops or online rather than
taking out cash to do this.
eeping your
ė Kaccount safe
and
taking care against
theft and fraud
Always be sure before you give
your bank details to anyone else,
that you know who they are and
why they need this information.
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Jargon buster
Visa debit card
Cashpoint®/ATM
A plastic card that can be used
instead of cash when making a
purchase. The amount spent is
taken (debited) automatically by
computer from your account. The
Under 19s Bank of Scotland Visa
debit card does not come with an
overdraft facility.
An Automated Teller Machine
(ATM) is a cash dispensing
machine (or ‘hole in the wall’),
which you find in many places
including banks, shopping centres
and railway stations. In order to
be able to use an ATM you need a
Cashpoint® card or debit card and
a Personal Identification Number
(PIN). There is often a limit per day
on your withdrawals.
Cashpoint® card
A cash card allows you to draw
money from cash machines
(ATMs). Many banks set a daily
limit as to how much you can
take out, even if your account
contains funds.
Credit
If your account is in credit, it
means that you have money
available to spend.
Interest
LINK cash machines
A proportion (or percentage)
of money on top of an original
amount. If you save money, you
can often receive interest from the
bank on the money you save.
LINK is a UK network of cash
machines. You can use your Visa
debit or Cashpoint® card to take
out money from cash machines
where you see the LINK sign.
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Debit
Going overdrawn
Money which is taken out of
an account is ‘debited from’
that account.
When you spend more money
than is available in your
account this is called going
overdrawn, sometimes referred
to as an unplanned overdraft or
unauthorised borrowing.
Direct debit
This is an arrangement where the
bank releases money from your
account to pay bills automatically.
The organisation you are paying
can change the amount of a Direct
Debit, but you are told in advance
how much it will be. If you set up a
Direct Debit to pay household bills
you usually receive a discount, and
it means that you don’t have to
worry about sending off a cheque
each month.
Balance
Is the amount of money you have
in your bank or other account at
any time (or the amount you owe
on your credit or store card). It
will be shown on your statement.
‘Balance brought forward’ is the
balance that was left at the end
of last month.
Standing order
A way of paying regular amounts
automatically which you set up
yourself (as opposed to a Direct
Debit which is set up by the
organisation you are paying).
Once set up, the bank will pay
the agreed amount of money
on a regular basis to a particular
person or company.
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Important information
Our promise is to do our best to resolve any problems you have. If you wish to complain visit
your local branch or call 0800 072 8668 or 0131 278 3729. (Textphone 0800 389 1286 or
0131 278 3690, if you have a hearing impairment). For more information visit
bankofscotland.co.uk/contactus/complain
Cashpoint® and Save the Change® are registered trademarks, and depositpoint™ is a
trademark, and used under licence by Bank of Scotland plc.
Calls may be monitored or recorded in case we need to check we have carried out your
instructions correctly and to help improve our quality of service.
Eligible deposits with us are protected by the Financial Services Compensation Scheme.
We are covered by the Financial Ombudsman Service.
We also subscribe to the Lending Code. Details can be obtained from
www.lendingstandardsboard.co.uk
Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office: The Mound,
Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority
and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
under registration number 169628.
All information correct as of September 2016.
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Get in touch
ĀĀ 0345 721 3141
GG Visit your local branch
If you'd like this in another
format such as large print,
Braille or audio please ask
in branch.
If you have a hearing or speech impairment you
can contact us using Text Relay or Textphone on
0345 600 9644 (lines are open 9am to 5.30pm,
seven days a week). If you are Deaf you can
use BSL and the SignVideo service available at
bankofscotland.co.uk/accessibility/signvideo
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