To help you manage your day to day money.
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.
Features and benefits
Credit interest on your money
Banking free from monthly maintenance fees
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.
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.
Bank online or on your mobile at a time and place that suits you
First Trust Bank Online, Mobile 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.
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.
Seamlessly move into the Student + Account when you turn 18
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
(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
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
Find out how we apply tax on savings in line with current legislation.
Find out what documentation we will need to verify both your identity and your current permanent address in order to open an account.
For service related queries, please visit our Help Centre.
This document explains the fees outlined in the Fee Information Document.