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It depends which bank company you choose to go with and what type of account you want. If it's for a young child you can have a joint saving account with your parents, but they have control over it and you don't have a bank card. I don't know about other companies, but NatWest has an 'Adapt Account' for 11 to 18 year olds. People under 16 need to have parents permission. But 16+ don't need to and they can have a card and cheque book to use in shops/online etc. But you can have pretty much any bank account once you turn 18.

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Q: How old do you have to be in the UK to have a bank account?
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