My 2 are nearly 5 and 2 and a half. My youngest has it but not my oldest, i opened a bank account for both same date but my youngest will have more money then my oldest come 18! I can withdraw from my oldests account should she ever need any but not my youngest!! So i am now going to open a different account for my youngest as when she has money for xmas or birthday i cant put it into her account i can only have a monthly direct debit going in, i think its stupid.