The bank I'm with - Nationwide - doesn't give out debit cards to under 18s, and opening up another bank account is pretty pointless when I have one already.
To put money on the card, you simply take it to a news agents, or post office and top it up the same way you would a mobile phone.
To those that think this is a scam:
This concept was originally owned and run by a reputable company named "
Splash Plastic" who were affiliated with such online sites as Habbo hotel, CDWow, etc.
But earlier this year were bought out by 360money.