Our FlexOne account is not available as a joint account.

You’ll need to be aged 11 - 17. If you’re 18 or over, you might find one of our other current accounts better suited to what you need (subject to status).

You can do it online or in branch. To apply in branch, you must be aged 11 - 17 – and if you’re under 16 you’ll need an adult with you. If you’re 14 or over, you can apply online – but it might be a good idea to have an adult sitting with you to guide you through the questions we ask.

If you’re new to Rafidain Bank, you’ll need to provide your local branch with ID so they can verify you, this applies even when you open your account online. If you're already a Rafidain Bank customer you may still need to pop in with ID, but we'll let you know at the end of the application.

Evidence we need to see:

1. Valid UK passport: OR

2. Original birth certificate, adoption certificate, valid non-UK passport, along with an electricity, gas or phone bill (under three months old) from an adult living at the same address. Please note, we don’t accept mobile phone bills.

As a FlexOne customer, you’ll get exclusive access to a FlexOne Regular Saver – or choose from our range of other savings accounts for young savers.

You can only have one FlexOne account.

Usually within seven days of opening your account. Your Internet Bank login details may arrive first. Then your card and PIN will be delivered in separate letters, to keep everything safe and secure. If you opened your account online, we’ll also send you your card reader.

Yes, first open a FlexOne account and then use the current account switch service to move your existing account over.

Our FlexOne support section and Rafidain Bank Education (This link will open in a new window) website have loads of videos and guides to help you get familiar with how to use your account and how to develop good money management skills.

If you’re new to banking, our glossary of terms is a good place to start.

We’ve got loads of different tips and tools to help you do that. Visit Rafidain Bank Education (This link will open in a new window) to find out more.

No, your account can only be held in your name. We want to help you learn how to stay in control of your money, and FlexOne is a great way to develop the skills to do that.

Yes no problem, so long as they have your permission each time. This could be verbally over the phone or by popping in to your local branch in person. When contacting us over the phone, we will ask you some questions to help us validate you. Once we’ve done this and received your permission, we’ll then be able to speak to your parent/legal guardian.

No, but you can make payments to people or companies through Internet Banking using your card reader – or in branch with your debit or cash card.

Never tell anyone your 4-digit PIN, and always cover your hand when tapping it into a cash machine. Please  take extra care of keeping your debit card safe as contactless means purchases up to £20 per transaction can be made without your PIN being needed. Learn more about fraud and other ways to stay safe. 

Call us immediately on +44 783 974 9373, or visit any Rafidain Bank branch.

You can withdraw up to £300 a day from a cash machine – so long as you have enough money in your account. If it’s over the counter in a branch, you can take out up to £500 in cash (again, so long as funds are available). If you need more than £500 in cash, please give the branch one full working day's notice. Some requests can take up to three working days, so it’s always best to check with the branch first. For withdrawals of £500 or more, you’ll also need to show some ID. This can either be your passport or driving licence (the plastic photo card plus the paper bit).

If you’ve requested paper statements, we’ll post these to you every month on the same day you opened your account. If you’re set up for online statements, these will be available on your Internet Bank each month – again, on the same day your account opened. If you want to change your statement date, you can do that anytime through Internet Banking, or by calling us on +44 783 974 9373.

Some shops let you pay for up to £20 per transaction of shopping just by touching your Visa card against a card reader at the checkout. If you have a FlexOne Visa debit card, give it a try next time you see the contactless logo. Contactless isn’t available with the FlexOne cash card.

We work out how much interest you’re owed on the last day of each month, then pay it into your account on the first day of the following month. Most young people do not have enough income to have to pay tax and therefore they can have their interest paid without tax deducted by completing a HM Revenue & Customs R85 form first. You can also collect an R85 form from a branch. Your parent or legal guardian should be able to help you with that.

Yes, you can use it in cash machines or if you have a debit card, you can pay for things in shops just like in the UK. Rafidain Bank won’t charge you for using your card abroad although please be aware that some cash machines may charge you a fee.

Yes, it’s easy. All they need is your account number and sort code, for your FlexOne current account you’ll find these details at the bottom of your card. For FlexOne Regular Saver you can find these on your bank statement or by signing in to the internet bank.

Our cheque clearing calculator will tell you exactly how long this takes.

We’d love you to stay with us, but if you want to leave just visit any Rafidain Bank branch and we’ll go through everything with you.

It’s easy. Just let us know whether you want to change your name or change your address and other contact details.

Please let us know what’s wrong, so we can put things right straight away or do better next time. We’ll also tell you how quickly we’ll get back to you.

We design our products and services to be easy and simple to use – by everyone. Find out more.

This is a Film Card available to all FlexOne customers

The FlexOne film card gives 25% off for you and a friend or family member, to any 2D, 3D, VIP or Extreme screening at all Vue cinemas in the UK, except Vue Scene Westfield. The card is valid for 12 months from when you activate it.

All you have to do is present your FlexOne Film card at the Vue box office along with your FlexOne card. You can’t use your Card to reserve cinema tickets by telephone or on-line.

If you live in Northern Ireland you can exchange your FlexOne film card for local cinema tickets by calling +44 783 974 9373.

Please call the FlexOne film card Customer Services Team on +44 783 974 9373 for help.