Opening a bank/savings account for your child (incl. when capacity is unclear)

Step by step

1. Why set it up before 18?

   At 18 your child legally controls their money. If they won't be able to manage it, banks will usually need formal authority (deputyship/appointeeship). Opening and organising accounts early avoids blocked payments (Direct Payments, DLA/PIP backpay, grants) and makes saving gifts simpler.

2. Pick the right account

   Common options: (1) Child savings/junior saver (you operate as the parent). (2) Junior ISA (long-term, locked until 18, requiring only birth certificate). (3) Current account for older teens. Bank-specific requirements vary significantly, so contact your bank directly to discuss their options for under-16s and for 16–17s who cannot manage money.

3. What ID to bring to branch (UK government guidance)

   UK government guidance requires proof of both representative's and account holder's identity and address. Parent/guardian: passport or photocard driving licence + recent proof of address (bank statement/utility/council tax ≤3 months). Child: full birth certificate or passport. If you already act formally, bring your Court of Protection deputy order (finances/property) or DWP Appointee letter. Note: each bank has specific requirements - contact them directly to confirm what documentation they need.

4. Explain your child's needs up-front

   Tell staff if your child won't operate the account. Ask about trustee/designated child accounts or bank processes for customers who lack capacity. Make a simple note of who can pay in and who can authorise withdrawals (you, as parent/deputy/appointee).

5. Direct Payments or benefits going in?

   If social care Direct Payments or disability benefits will be paid into the account, check what the payer requires: some teams prefer a separate account in the child's name; the DWP may require an Appointee account for benefits.

6. If the bank hesitates

   Ask for the bank's vulnerable-customer or disability-access policy and request reasonable adjustments. Use the bank's formal complaints process if needed. The FCA says disabled customers may be entitled to reasonable adjustments; unresolved complaints can go to the Financial Ombudsman Service, and the Equality Advisory and Support Service can advise about discrimination.

7. Paperwork to keep

   Keep copies of ID, account terms, appointee/deputy letters, and any Direct Payment guidance. Note renewal dates (e.g., when the bank wants fresh ID).