My grand-daughter is only just 13 and has an Abbey National sccount for about three years with a card card to draw money out at most cash dispensers. However, she now wants an account that lets her have a Debit Card so that she can buy things on the internet. Abbey do not do one for her age but I am assured by National Westminster that she can have one so she will get one. I do think the other main banks also do a Debit Card - if your sister wants one - or certainly most banks do an account with an ATM card.