BarclayPlus current account review

Looking to open a current account for your child? Find out what the BarclayPlus account has to offer.

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Account nameBarclayPlus
Free personalised debit card.
ProviderBarclays Bank
Account fee£0
ATM withdrawal limit£500
Debit networkVisa
Card typeCash / Debit
Minimum eligibility age11 Years
Mininum operating balance£1
Minimum opening balance£1
Direct debits
Current account switch guarantee
Cheque Book

Opening a bank account for your child can be a great way to encourage financial independence and teach your child about money early on. This review looks at the BarclayPlus account to see if it could work for you and your child.

What is the BarclayPlus current account?

The BarclayPlus current account is designed for those aged 11 to 15. It has no monthly fee and your child can design their own card using their favourite photo. You’ll also have a choice of a cash card or a debit card, and the account can be managed via the app, which has been adapted to suit children.

How does it work?

The key features of the BarclayPlus account are outlined below:

  • No monthly fee. There is no monthly maintenance fee for this account.
  • A choice of a cash card or debit card. Cash cards can only be used to withdraw money from cash machines, while debit cards can be used to pay for items in shops and online. Parental permission will be required for a debit card.
  • Design your card. Your child can design their card using their favourite photo.
  • Interest paid on balances. A small amount of interest is paid on balances – this is 0.10% AER (variable) on balances up to £1,000 and 0.60% AER (variable) on anything over this.
  • App for children. Your child can send money, view account balances and report their card as lost or stolen.

Who is it for?

The BarclayPlus account is for children aged 11 to 15 who are UK residents. It’s designed to help them develop good money habits and encourage financial independence.

What are the benefits?

One of the main benefits of the account is that there is no monthly fee. It also offers a choice of a cash card or debit card, so you can decide what you’re more comfortable with. For example, you might prefer a cash card for an 11-year-old, but a debit card for a 14- or 15-year-old.

How to apply

If you, as a parent or guardian, bank with Barclays, your child can open their account via video banking. You will need to download the video banking app and make the call. Your child will need to be present and show their passport or birth certificate.

If you don’t bank with Barclays, or you don’t have the app, you will need to apply in branch. Your child will need to bring their ID and you as their parent/guardian will need to bring your debit card and PIN or proof of ID.

Is it safe?

Yes, Barclays is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. This means eligible deposits will be protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person.

Overdrafts are not available for under 18s, so there’s no need to worry about debt.

Pros and cons of the BarclayPlus account


  • No monthly fee
  • Interest paid on balances
  • Easy to open via video banking if parent/guardian banks with Barclays
  • FSCS protection
  • App designed for children
  • Choice of cash card or debit card


  • Your child will need to be at least 11 to apply
  • Interest paid is minimal
  • Account must be opened in branch if parent/guardian is not a Barclays customer

Our verdict: Is the BarclayPlus any good?

If you’re looking for a bank account for your child, the BarclayPlus account has a lot going for it. Interest is paid on balances (albeit at a low level) and you’ll have a choice of a cash card or debit card. There’s also the added perk of your child being able to design their own card.

However, keep in mind that once your child reaches 16, they will need to apply for a new account. It’s also worth comparing other children’s accounts to make sure this is definitely the best account for you.

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