The Student 12-18 Account is designed to fit in with the way you live.

We can help you manage your day-to-day money or save some money for the future. You’ll also get a range of great benefits designed exclusively for you.

 

This current account is for students between the ages of 12 and 18 who are in part time or full time second level education.

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Features and benefits

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    Credit interest on your money

    You will receive credit interest on your account.

     

    You can arrange your part-time earnings or Education Maintenance Allowance to be paid into your account, helping you save towards something special.

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    Banking free from monthly maintenance fees

    With a Student 12-18 Account, you can enjoy banking free from monthly maintenance fees.

     

    You may have to pay support fees for other services. Please see our price list for more details.

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    No commission charge for foreign currency

    You will not pay any commission charges on foreign currency notes transactions completed at a First Trust Bank branch.

     

    For more information on the currencies we offer and on how to order, please click here.

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    The option of a Visa debit card for easy access to your money

    If you aged 16 or over, you can choose to avail of our flexible Visa debit card.

     

    If are between 12-16 years old, parental consent is required before we can issue you with this card.

     

    Visa debit cards can be used to shop in stores, online or over the phone. You can also withdraw money at cash machines*.

     

    *Charges may apply for using your card abroad or at non-AIB cash machines.  See our price list for more details.

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    Bank online or on your mobile at a time and place that suits you

    First Trust Bank OnlineMobile and Phoneline Banking puts you in control of your finances. Many of the things you do at the branch counter you can do sitting at home or on the move, such as checking your balances or transferring money.

     

    For more information, see our full range of Ways to Bank options.

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    Open your account today

    To open a new Student 12-18 Account, simply call into your local First Trust Bank branch or call us on 0345 6005 925 if you would prefer to make an appointment.  

     

    You only need £10, identification documentation (such as your passport) and proof of your address (such as your parents' or guardians' electricity bill) to open the account.  

     

    If you are not sure what proof we accept, click here or speak to a customer service adviser on 0345 6005 925.  

     

    Complete the relevant forms and we will do the rest.

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    Seamlessly move into the Student + Account when you turn 18

    When you reach the age of 18, we will convert your account to a Student + Account.

     

    Your account details will not change and we will contact you at this stage to confirm this change.

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Summary box

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    Key product services available on the Student 12-18 Account

    Choose from a range of services to ensure you get the best from your bank account.

     

    The below table summarises the services available on the Student 12-18 Account.

    Student 12-18 Account
    Interest rates (AER's) Click here for current rates

    Tax status

    (basis on which interest is taxed)

    From the 6 April 2016 credit interest on all accounts will be paid gross (under new legislation tax will not be deducted when credit interest is paid). If your credit interest is more than your Personal Savings Allowance you may still have tax to pay. Please see www.gov.uk for information on the Personal Savings Allowance or speak to a tax advisor.
    Conditions for bonus payments Does not apply
    Withdrawal arrangements Instant Access
    How to access your account In-branch, by Visa debit card or through Online, Mobile and Phoneline Banking

    Account opening requirements
    Minimum opening balance £10

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Talk to us

Simply call 0345 6005 925 or drop in to any First Trust Bank branch. We’ll be happy to answer any questions you may have.

 

† Lines open: 9am to 5pm Monday - Friday (except on bank holidays). Calls may be recorded. Call charges may vary - refer to your service provider.

Help and guidance

 

Important information about taxation

Find out how we apply tax on savings in line with current legislation.

 

Identification requirements

Find out what documentation we will need to verify both your identity and your current permanent address in order to open an account.

 

Help Centre

For service related queries, please visit our Help Centre.

 

Glossary of Terms

This document explains the fees outlined in the Fee Information Document.

Related Products/Services

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