My son banks with Barclays - he opened it at 16 to pay his wages in. They also issue them a debit card, but do not give them any overdraft, so the card will be declined if they try to use it with no money in the account. However - he gets no inetrest on the money in there - but it doesn't stay in there long anyway!! If he wants interest I would then transfer the spare money into a savings acc****.