Money confidence begins here

Child and teen bank accounts

Everyday accounts for under 18s

Give your child money confidence early on with an everyday spending bank account.

Pocket money app (ages 3-17)

Good for: creating positive money habits.

NatWest Rooster Money comes with a prepaid debit card option from age 6.


  • Monitor their spending with limits and alerts.
  • Create custom pots for saving money.
  • Free Rooster card subscription: for NatWest customers with kids aged 6-17. Now including the ability to pay with Apple & Google Pay™ for kids aged 13+.

T&Cs apply (PDF, 100KB). Eligibility criteria apply. Card offer includes up to three cards, other fees may apply. Fees apply for non NatWest personal customers. 

Google Pay and Google Wallet are trademarks of Google LLC.

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Current account and debit card (ages 11-17)

Good for: more financial independence with no parental controls.

Our Adapt bank account for children and teens.


  • Tap to pay with contactless, Google or Apple Pay.
  • Earn 2.70% AER, 2.67% Gross p.a. (variable) interest on your balance. Interest is calculated daily and paid monthly. 
  • No fees or overdraft so you don't have to worry about debt.

Account eligibility and app criteria applies. 11-15s must apply with a parent or guardian with a NatWest current account. Apple Pay and Google Pay™ available for ages 13+.

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Saving and investing accounts for children

Save in a tax-efficient ISA or hold an account in trust for your child. Whichever way you go, they’ll have funds ready for their future.

Instant access savings for under 16s

Good for: learning about money management.

Our First Saver account for children.


  • Account is held in trust: the account is opened in your name to save for your child.
  • Interest rate: 2.70% AER, 2.67% Gross p.a. (variable). Interest is calculated daily and paid quarterly.

Account eligibility apply.

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NatWest Junior ISA

Good for: gaining a head start.

Invest on behalf of children aged 14 and under.


  • Start with just £50 and top-up with as little as £10.
  • Invest up to £9k per child for the current tax year.
  • Your child can withdraw money once they’re 18.

The NatWest Invest Junior ISA is a Stocks & Shares ISA. The value of investments can fall as well as rise, and you may not get back the full amount you invest. 

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Children’s account FAQs

Other ways we can help

Debit cards for under 18s

Kids and teens aged 6-17 can learn financial responsibility while enjoying the freedom of their own debit card.

With a Rooster Money card or an Adapt account card, young people can be empowered while managing their money.

Eligibility criteria applies. Fees and charges may apply.

NatWest's teen & kids bank account

Unlock the benefits of our Adapt account for 11-17 year-olds:

  • Use Apple Pay and Google Pay ™ (ages 13+)
  • Get a MasterCard debit card
  • Manage money on  our mobile app

Eligibility criteria applies. Fees and charges may apply.

Take charge of your Rooster account

Learn how to use your Rooster Money account with ease and make the most of our top features.

From setting up spend, save and give pots to topping up, our handy FAQ’s and guides for parents can help. 

Eligibility criteria apply.  Fees and charges may apply.

NatWest Thrive

Let’s make your kids’ dreams come true.

NatWest Thrive with Marcus Rashford is a movement to help young people develop the self-belief, confidence and skills to achieve what they want.

Something else we can help you with?