Smartcash Junior Account

Smartcash is designed so that young people can learn to manage their finances from an early age.

Smartcash Junior Account

About the account

One of the most important things kids can learn is how to manage money. So, opening a Smartcash Junior Account for them early really sets them on the right path.

The Smartcash Junior Account has all the features of a standard account, so funds can be loaded by family and friends and they get a contactless Visa debit card, but it has some added extras to help you keep a check on how they’re managing their money.

Parental controls provide access to monitor account activity and saving is encouraged by enabling account holders to pay funds into their community bank savings account through the Smartcash mobile app.


  • Free for any purchases made within the UK.
  • Free mobile app available on Android and iPhone.
  • Engage Envelope Money Management Tool (Engage Current and Engage Classic account).
  • Earn up to 15% cashback with Engage rewards partners.
  • £0.35 for an ATM withdrawal in the UK.*
  • Free to set up a standing orders.
  • Email alerts to help you track their spend.


  • £10 minimum initial load.
  • Up to £50 maximum ATM withdrawal per day.
  • Maximum £500 card balance at any one time.

* Please see the terms and conditions for a full list of fees.

Please note that Engage is an electronic money product and although it is a product regulated by the Financial Conduct Authority, it is not covered by the Financial Services Compensation Scheme, however, Engage ensure that any funds received from you are held in a segregated account so that in the unlikely event that Contis Financial Services Ltd. becomes insolvent your funds will be protected against claims made by creditors.

Frequently Asked Questions

Easy answers to common questions

How to check my balance

How to make a bank transfer?

How to check sort-code & account number?

How to check my bank statements?

How to create digital envelopes?