Get the most out of Smart Start

Now your child has got their Smart Start accounts, let’s get them set up so they can start using them. We have tools and tips to help you support your child get the most out of their new accounts.

Getting set up

Welcome video

Three simple steps to get set up

Add your child's ID

Tips and tools

Get ahead with saving

Video guides

Common questions

Haven’t opened a Smart Start account yet?

Give your child a great start to managing their money with their own spending and savings accounts.

While they get financial independence, you’ll have full visibility, giving you peace of mind.

How to apply for Smart Start

Welcome to Smart Start
 

 

Help your child get going with their Smart Start accounts by watching this video (2 mins). In this short video we cover:

  • registering for online banking
  • setting up the mobile banking app
  • spending and saving with your new account.

Three simple steps to get set up

1. Set up online banking

It’s nice and easy to register for online banking. Once complete, your child can manage their money online.

Already registered? Log in to online banking.

How to register

2. Download our mobile banking app*

By downloading our app, your child can manage their money on the go. On the app, they could enable notifications to stay updated with their account activity.

Download our app

3. Make it personal

New trainers, new phone… your child can rename their accounts, helping them stay motivated to save for what they want to buy.

Rename accounts


*For children under the age of 13, a parent or legal guardian will need to use ‘Family Sharing’ for Apple devices, or ‘Family Link’ for Android devices, to approve the app download.

Verify your child's ID

Before your child turns 18, they’ll need to add their ID on the mobile banking app.

This allows us to verify their identity. We can then change their Smart Start accounts to a Classic Account and Access Saver when they turn 18.

If they don’t do this, we’ll close their Smart Start accounts.

How to add your child's ID

Tips and tools for your family

Family finances

We’re here to support you and your family. Find the tools and articles to boost your financial confidence so you can teach your child to build good money habits that last a lifetime.

Support for your family

How to spot scams

As your child is growing up, and now that they’re banking online, they’ll start spending more time online. It’s important that they know how to spot and avoid scams.

If you or your child suspect that you’ve been scammed, contact us immediately.

Protect yourself from fraud

Four ways to help your child save with Money Smart

1. Plan with your child

Sit down with your child and ask them to think about what they want to buy.

Encourage them to consider when they want to buy it and how much they would need to save.

Use the savings calculator to help them plan.

2. Set up a standing order

Discuss setting up a regular standing order with your child. By doing this, they can transfer any left-over spending money into their Savings account each month.

3. Activate Save the Change®

Set up Save the Change® so that every time your child spends on their debit card, we’ll round it up to the nearest pound. Their ‘change’ will move into their Smart Savings account.

4. Review their spending

Show your child how to view spending insights. This will help them learn where their money goes each month. They might be able to spot patterns and see where they could save money.

1. Plan with your child

Sit down with your child and ask them to think about what they want to buy.

Encourage them to consider when they want to buy it and how much they would need to save.

Use the savings calculator to help them plan.

2. Set up a standing order

Discuss setting up a regular standing order with your child. By doing this, they can transfer any left-over spending money into their Savings account each month.

3. Activate Save the Change®

Set up Save the Change® so that every time your child spends on their debit card, we’ll round it up to the nearest pound. Their ‘change’ will move into their Smart Savings account.

4. Review their spending

Show your child how to view spending insights. This will help them learn where their money goes each month. They might be able to spot patterns and see where they could save money.

Video guides to get the most out of Smart Start


Play these short videos to learn how your child can make the most out of their debit card. And how to keep their accounts and money safe from fraud.
 

How to make the most of your debit card

🕑 2 min 18 secs
 

Make the most of your Smart Start debit card.

How to keep your money safe

🕑 2 min 40 secs
 

How to keep your money and your accounts safe.

A look at the details

  • Yes, if your child receives a cheque, they can pay it into their account. They won’t get a cheque book with Smart Start accounts though.

    How to pay in a cheque

  • Protecting your and your child’s personal information online matters to us. This is why we want you to understand how we’ll use your information and what rights you have.
     

    Data Privacy Notice (DPN)

    A DPN details the ways we collect, use and share your data.

    Read about how we use your data (PDF, 45KB).
     

    Cookie Policy

    Websites send small files called cookies to your computer, phone or tablet when you visit them.

    Your device keeps cookies and sends them back to the website when you visit again. Cookies collect data, such as your choices and other details.

    We need cookies to run our website and keep it secure. They help us know who you are so that you can log in and manage your accounts.

    They also help us keep your details safe and private.

    More about our Cookie Policy

  • Their Smart Spending account will change to a Classic Account and their Smart Savings account will change to an Access Saver.

    Your child will need to confirm their identity before they turn 18 for this to happen.

    It’s simple to add their ID in our mobile banking app. If they don’t do this, we’ll close their Smart Start accounts.

    Classic Account

    Access Saver

    Add your child's ID

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Smart Start

Where good money habits begin. Our banking and savings accounts that can be opened for 11 to 15 year olds and held until they turn 18.


 

How to apply