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Smart Start

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Give your child a great start with Smart Start, our Spending and Savings Account for 11 to 15 year olds.

Who can apply

You can apply for Smart Start for your child if you:have a Bank of Scotland current account with Vantagehave an existing Children's Saver account for the child or their proof of identityare 18 or over and your child is between 11 and 15 years oldare registered for Internet Bankinglive at the same address as your child. If you or the child live outside the UK, you won’t be able to open an account.If applying on desktop, log into your account and click ‘Savings and Investments’ in the left-hand navigation bar. Then visit the ‘Smart Start for kids’ page and click ‘Get started’ to apply. If applying through the mobile app, log into your account and choose ‘Apply’ in the bottom navigation bar and then ‘Savings and Investments’. Then visit the ‘Smart Start for kids’ page and tap ‘Get started’ to apply.Please read the summary box below and the account conditions (PDF, 193KB) before you start.

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