Student 12-18 Account
To help you manage your day to day money.
The Student 12-18 Account is designed to fit in with the way you live.
This is the perfect account if you are 12 to 18 years old and in part time or full time education. We can help you manage your day-to-day money or save some money for the future.
Please note you must be a UK resident to open an account with us.
Features and benefits
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Make more from 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 -
Fee free banking
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 AIB 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 are aged 16 or over, you can order a Visa debit card.
If you are between 12-16 years old, we need permission from a parent or guardian 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*.Your account must remain in credit at all times.
*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
AIB (NI) 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. -
Google and Apple pay for easy payments
Google Pay is the fast, simple way to pay with Google. When you use your phone to pay in shops and online, Google Pay doesn’t send your card number to make your payment – your card details stay safe in your Google account.
Apple Pay lets you use your Apple device to pay with your Debit or Personal Credit Cards wherever you see the Apple Pay or Contactless logo. You can use Apple Pay for in-app purchases too. It’s a safe and secure way to pay.
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Open your account today
To open a new Student 12-18 Account, simply call into your local AIB branch or call us on 0345 6005 925†
Please note you must be a UK resident to open an account with us.
If you hold an existing Junior Saver Account with us, you can swap to the Student 12-18 Account without opening a new account and your account details will remain the same.
You only need 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. -
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.
Please note you cannot set up standing orders or direct debits on a student 12-18 account
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 (if eligible) available on the Student 12-18 Account.Account Name Student 12-18 Visa debit card Yes Online, Mobile & Phoneline Banking Yes eStatements Yes Google /Apple Pay Yes 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.
Your account must remain in credit at all times.
Talk to Us
Simply call 0345 6005 925† or drop in to any AIB 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
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AIB Group (UK) p.l.c. is covered by the Financial Services Compensation Scheme, Financial Ombudsman Service and is a Registered Firm with The Lending Standards Board.
The AIB logo and AIB (NI) are trade marks used under licence by AIB Group (UK) p.l.c. incorporated in Northern Ireland. Registered Office 92 Ann Street, Belfast BT1 3HH. Registered Number NI018800. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.