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Bank accounts for young people

Opening a bank account is a great way to learn about money management and financial responsibility. Helping you get a head start on your financial future. If you have a part time or summer job then you might be starting to think about somewhere safe and practical to get your wages paid into. 

Here are just some of the reasons why opening a bank account is a good idea:

What bank accounts can I open with Santander International?

The minimum age to open any of our current and savings accounts is 16.  Once you turn 18 then you are eligible to apply for a mortgage or a Charge Card. 

Please see our Products page which has details of all of our current account and savings accounts.  If you’re not sure please speak to one of our team who can help explain the features and benefits of each account. 

If you live in Jersey or the Isle of Man please visit the Santander Work Café and speak to one of our friendly team. You can pre-book an appointment in Jersey and the Isle of Man

What do you need to open a bank account?

To open a bank account you will need to provide us with certain identification documents so that we can check that you are who you say you are.  This is because, like all banks, we have to comply with anti-money laundering legal and regulatory requirements. 

The identification documents that we require from you are outlined in our  Documents you will need to provide form.

If you are under 18 and living at home with your parents/guardian, we appreciate that you may not have any of the documents we require for proof of address. If this is the case, then we can accept a letter from your local government addressed to you, for example from Jersey's social security office or from the Isle of Man tax office.

If you do not have such a letter then we can accept an attestation from your parent/guardian using our Parent/Guardian Attestation form together with a suitable proof of address in their name. If your parent/guardian is an existing customer with us then they only need to complete the attestation form.

 

What information will I be given when I open a bank account?

Account number: This is unique to you and your account and will identify you as the owner of that particular account. 

 

Sort code: This is a unique identifier used in the UK to route payments between banks.  It consists of 6 digits and is formatted as three pairs of numbers, e.g. 12–34-56. To make a payment you will usually need both the sort code and the account number of the recipient.  The sort code directs the payment to the correct bank and branch, while the account number identifies the specific account within that branch. 

 

You will need to provide your account number and sort code to your employer so that they can arrange for your wages to be paid into your account. 

 

Customer reference: This is a 9 digit number that helps us identify your relationship with us, including all of your accounts held with us and your personal details held on our system records. 

 

International Bank Account Number (IBAN): This is used by banks around the world to identify bank accounts.  It starts with a two-digit country code, then two numbers, followed by several more alphanumeric characters.  It is used to provide additional information when identifying overseas payments. 

 

Situs: The situs of your bank account refers to the legal jurisdiction or location where your bank account is considered to be held or maintained.  When you open an account with Santander International if you live in Jersey you will be given a Jersey situs account and if you live in the Isle of Man you will be given an Isle of Man situs account.  If you live outside of Jersey or the Isle of Man you account will be Isle of Man situs. 

What else do I need to know?

Ways to apply

BAN005 Bank Branch In branch BAN005 Enquire Online (1) Online BAN005 Post (1) Post BAN036 Mobile Phone

In branch

Jersey Isle of Man

Jersey
Santander International
13-15 Charing Cross
St Helier,
Jersey
JE2 3RP

Channel Islands

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Isle of Man
Santander Work Café

Market Hall,
North Quay
Douglas, 

Isle of Man,
IM1 2BQ

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Post

Download and print our PDF application form and return to us

Download an application form

Phone

Call us on 08000 84 28 88, if calling from a UK landline or mobile, or +44 (0) 1624 641 888, if calling from overseas

Lines are open 9am – 5pm UK time, Monday  to Friday (except Wednesday when we open at 9.30am)