Everything your family needs

Great accounts for children and teens

Looking for the right kids’ accounts? 

Most of us learn about money from our parents. That’s why choosing a kid’s account is such a big deal. We’re here to help you today, so you can help them tomorrow. There are loads to choose from.

Everyday spending

From toddlers to teens, find the right children’s account

Kids’ pocket money app and prepaid debit card

Ages up to 17

Give your kids a head start with NatWest Rooster Money. It’s got 3 products including the Virtual Money Tracker, Rooster PLUS and Rooster Card. Best of all, through your own parent log in, you can see how they're managing their money.

  • Free Rooster Card Subscription: Prepaid debit card free. For kids aged 6-17
  • Parental oversight: Set spending limits, view their account, and get real-time alerts when they spend
  • Save up for stuff: Create custom pots for big buys such as a new bike

T&C’s apply. Eligibility criteria apply. Offer includes up to three cards. Other fees may apply.

Adapt current account and debit card 

Ages 11- 17

Trainers. Hanging with friends. Theme parks. Help your kids get on top of their money so they can do more of what they love with a free Adapt current account, app and card. 11-15s must apply with a parent or guardian who has a NatWest current account. 

  • Tap to payUse contactless, Google Pay™ or Apple Pay
  • Mobile app features: Lock card, Face ID and many more features
  • Earn interest: Get 2.27% AER / 2.25% Gross p.a (Variable)

Account eligibility criteria apply. Specific criteria apply for the app and certain features. Apple Pay available for ages 13+ and Google Pay™ available for ages 13+.

NatWest Thrive

What does your child want to be when they're older? NatWest Thrive with Marcus Rashford could help them make their dreams happen. It's a movement to help young people develop the self-belief, confidence and skills to achieve what they want. Try some of the activities today and see what you set in motion.

Other children's accounts   

NatWest Invest Junior ISA

For parents with kids aged 14 and under 
 Your child can’t withdraw any money till they’re 18
  • Start small: Invest an initial sum of £50, set up regular monthly contributions, or top-up anytime you want from £10.
  • Tax free: Invest up to £9,000 per child per tax year and pay no UK Income or Capital Gains Tax.

First Saver

For children under 16 held in trust by parents

An instant access savings account

  • Save on their behalf: Open the account in your name and save for your child – it’s called ‘holding an account in trust’
  • Interest rate: 2.27% AER, 2.25% Gross p.a. (variable)

Account eligibility apply. 

Children’s account FAQs

Vote for NatWest Youth Banking

NatWest has been nominated in the Best Children's Financial Provider category at the British Banking Awards 2023. Vote in the awards by 11/04/2023 and you could win £1000 in the British Bank Awards' prize draw. T&C's apply. UK Residents. Over 18s only.

Something else we can help you with?