FlexOne current account
Our fee-free children's account for 11- to 17-year-olds to help you manage your money and earn interest.
Why choose our FlexOne
Take your first steps into banking
You can save your pocket money or, if you have a job, your wages can be paid in directly. You’ll get 2% AER (1.98% gross a year) variable on balances up to £1,000. We calculate interest every day and pay it once a month into your account.Bank how you like
Manage your account in our app or internet bank, over the phone or in a branch.No fees for maintaining the account, even when you’re travelling
We don’t charge any monthly fee for maintaining the account. You can even pay with your card while on holiday and there’s no Nationwide transaction fee.An account that will grow with you
You can keep your FlexOne until you're 23. We'll then move you to one of our adult accounts.A choice of 2 cards
If you're aged 11 to 17 and a half, you can choose between a cash card and Visa debit card with our children's bank account. Cash cards can only be used to get money from cash machines and print mini statements. From 17 and a half, you’ll need to use a Visa debit card.A savings account just for FlexOne current account members
By opening a FlexOne current account, you are eligible for a FlexOne Saver account. From aged 16, other savings accounts are available to you.
Important:
If you're 11 or 12 years old you can only open your account by using a tablet in one of our branches. You'll need to make sure you're with an adult with parental responsibility when you apply. Remember, you'll both need to bring ID with you.
To apply for FlexOne
You need to:
- be 11 to 17 years old
- be a UK resident
- agree the account is for personal use only.
We're Which? recommended
We’re proud to be a Which? Recommended Provider for current accounts.
It's easy to see why more people switch to us than anyone else. We share our profits with our members, keep our branches open and are the UK’s number 1 for customer satisfaction.*
Ready to apply for our FlexOne children's bank account?
If you've already researched FlexOne and know it's the right bank account for you.
Easily manage your account with our app
Rated 4.8 stars in App Store and 4.8 stars in Google Play (mobile only). Ratings for the phone app as of August 2026.
Everyday banking
See how much money you have and what you've spent it on. Send money to friends and family.
Freeze your debit card
Stop your card being used if it goes missing. Unfreeze it if it turns up or order a replacement if it doesn't.
Safe and secure
Log in securely with your fingerprint or face.
Manage your account your way
Keep track of your money
Stay up-to-date with alerts from our app or by text. And you can go paperless to keep track digitally.
Visa debit card
Find out more about contactless with a FlexOneYou'll be set up to make contactless payments up to £45 with your Visa debit card.
FlexOne is Five-Star Rated
FlexOne is Five-Star Rated by Moneyfacts as a children’s bank account that stands out from the rest. And whether you’re opening a new account or switching, we’ve got another Five-Star Rating for making it as easy as possible.
Choose your card
When you open a FlexOne current account, depending on your age you’ll need to choose between a cash card or a Visa debit card.
Once you’re 18, we’ll automatically switch you to a Visa debit card if you don’t already have one.
| Feature | FlexOne cash card | FlexOne Visa debit card |
|---|---|---|
| Can be used at cash machines | Yes | Yes |
| Take up to £300 out per day at a cash machine | Yes | Yes |
| Pay for things in shops | No | Yes |
| Buy things online | No | Yes |
| Buy things over the phone | No | Yes |
| Contactless payments up to £45 | No | Yes |
| Pay for things with your mobile phone | No | Yes |
Contactless with you in control
We're always working hard to keep our younger members and their money safe. So, if you apply for a FlexOne, the debit card will be limited to £45 for contactless payments in the UK. This is instead of the usual £100.
As a parent, you can also restrict the ability to make contactless payments further. For that little bit of extra security. You just need to call us to discuss contactless.
I'm 18 and over and already have a FlexOne
Your FlexOne debit card will be limited to £45 for contactless payments the UK. But we have a great range of adult current accounts available. They all come with a £100 limit for contactless payments.
Fees, charges and important documents
Before you apply, make sure you read the following documents.
We don’t charge a monthly fee for maintaining the account or for anything else.
Apply for FlexOne
Your age will impact how you can apply for FlexOne.
Related links
I need help with my account
Our current account help section has the answers to our most commonly asked questions.
We also have a quick guide to using your current account covering your everyday banking.
Looking after your money
We're committed to keeping your money safe. And as well as the security you get from us, you're also protected by the Financial Services Compensation Scheme (FSCS).
This means the money across all your Nationwide and Virgin Money accounts is covered up to £120,000 per eligible person (or a combined £240,000 for joint accounts). This applies if we're unable to meet our financial commitments or stop trading.
*‘More people switch to us than anyone else’ refers to Pay.UK quarterly Current Account Switch Service data, 12 months to March 2026, gross and net gains, based on the latest available data.
’Share our profits with our members’ refers to our Fairer Share payment. Each year since 2023, we’ve paid £100 to eligible members with a qualifying current account and a qualifying mortgage or savings. It's our intention to make a payment every year, but this will depend on how we perform financially. We may change the amount and the eligibility criteria based on that performance. See the eligibility criteria for the 2026 Fairer Share Payment.
‘Keep our branches open’ refers to our promise to keep every one of our branches open until at least the start of 2030. Excludes circumstances beyond our control. Branch opening times may vary. Learn more about our Branch Promise.
‘The UK’s number 1 for customer satisfaction’ refers to the UK Customer Satisfaction Index (July 2026). The UK Customer Satisfaction Index (UKCSI) provides an objective, independent perspective on the state of customer satisfaction in the UK across 13 sectors. UKCSI scores are based on customers’ responses on over 25 measures covering transactional experiences and broader aspects of customers’ relationships with organisations. The UKCSI is published twice a year in January and July by The Institute of Customer Service.