If you are a customer of HSBC, you can apply for a kid's account in online banking, otherwise, please visit the nearest HSBC branch.
The account can be opened for children from 11 to 17 years old.
HSBC offers the kids account on the following conditions:
- online access via the Internet and mobile banking
- deposit money online to the MySavings account
- contactless Visa debit card
- use Apple Pay, Google Pay, or Samsung Pay
- online support and advice from bank managers
- 100 GBP - daily withdrawal limit
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- How do I set up a standing order in the HSBC mobile banking app?
- How do I set up my telephone banking in HSBC?
- How do I set up the HSBC digital secure key password for the first time?
- How do I sign up for HSBC Voice ID?
- How do I switch my current account to HSBC?
- How do I transfer foreign currency via the Global Transfer app from HSBC
- How do I use the HSBC Pay by bank app?
- How long do cheques take to clear in HSBC?
- How to apply for an HSBC children account and debit card?
Setting up a bank account for your child helps them build early money management skills while keeping their spending secure. If you are looking to open an HSBC kids account—officially known as the HSBC MyAccount for 11 to 17-year-olds—you will need to navigate specific identity verification steps designed to protect younger customers.
Parents often wonder what documents the bank expects and whether the application can be completed entirely online. The process typically requires a mix of digital forms and physical identification checks, and the exact steps depend heavily on whether you already hold an active account with the bank.
Key Information Overview
| Category | Details |
|---|---|
| Methods Available | Online application, mobile app, or in-branch visit |
| Processing Time | Typically 5 to 7 business days for account setup and card delivery |
| Eligibility | Children aged 11 to 17 residing in the UK |
| Key Requirements | Parent's ID, child's passport or birth certificate, and proof of address |
If you are a customer of HSBC, you can apply for a kid's account in online banking, otherwise, please visit the nearest HSBC branch.
The account can be opened for children from 11 to 17 years old.
Frequently Asked Questions
Can a 14-year-old open the account by themselves?
Banking regulations generally require a parent or legal guardian to provide formal consent when a minor under the age of 16 applies for a current account. The bank's system requires an adult's signature and identification to validate the legal agreement. The notable exception is for older teenagers; 16 and 17-year-olds are typically permitted to apply independently, provided they have their own valid passport or provisional driving licence. If your child is under 16, you will need to sit with them and initiate the application on their behalf.
Why was my child's proof of address rejected during the application?
Financial institutions have strict criteria for verifying residential addresses to comply with anti-money laundering checks, even for minors. While parents often submit a generic school report or homework diary, the verification system will normally reject these as they are not standardized legal documents. An exception is sometimes made for an official letter directly from a local education authority, but this can still cause delays. To avoid rejection, you should upload an NHS medical card, a Child Benefit letter, or a formal letter from HM Revenue & Customs instead.
How long will it take for the debit card to arrive?
After an application is formally approved, the physical card production and delivery process begins. To maintain security, the bank's processing logic dictates that the debit card and the PIN must be printed at different secure facilities and dispatched in separate envelopes on different days. This means your child will not receive everything at once, and postal service schedules can occasionally delay one of the letters. You should wait a full seven business days from the approval date; if the PIN arrives but the card does not, call the customer service team to request a replacement.
