Whatever your family looks like, we can help with how you manage your finances, to build confidence and good money habits.
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Making financial planning for a family simple
Family life is full of surprises – school trips, birthdays, and the occasional broken washing machine. You want to feel in control without spending hours juggling spreadsheets or worrying about what’s left at the end of the month.
To simplify things, you could set up a joint account, this could make it easier to manage shared expenses and track spending together. By using the credit score tool and budget calculator, you could gain insight into your credit score, discover ways to improve it, and set realistic financial goals to keep everything on budget – all without losing sight of the fun stuff.
Now, you could be planning ahead with confidence, knowing that life’s little surprises won’t throw you off track.
Joint accounts
Share your banking.
A joint bank account is one you share with somebody else, like a partner or family member. You share control and responsibility between you.
Sharing a joint bank account can be an easier way for couples, families and others to manage their finances. But with joint access to the money, trust is important.
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Specific account eligibility criteria apply
Credit score
Plan goals with confidence.
- Full credit report: including open & closed accounts, search history and personal details.
- Alerts: to help you stay updated and detect fraud.
- Credit score insights: with personalised tips to improve it.
- Score predictions: to see how financial decisions will impact your score.
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Credit score available to existing NatWest customers once opted in through the app if aged 18+ with a UK address. All data provided by TransUnion.
Budget calculator
Plan for tomorrow's goals, today.
Use our budget calculator to see how your finances shape up and take steps towards your goals.
We'll give you a breakdown of your finances and provide some great tips and support that could help get you towards where you want to be
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We ask you for some details as you go through the budgeting tool, however none of this data is ever saved.
Families with kids
Families looking to set up accounts for kids to buy treats, save for bikes and learn money management.
At different ages, you can choose accounts that suit them: the First Saver to build savings for younger children; Rooster Money for spending with parental oversight; and the Adapt current account providing teens with a debit card and budgeting tools.
These can make it easy to monitor their progress while giving your kids growing financial independence.
First Saver
You could set your child up for success with our First Saver kids savings account.
- Account from birth: you can open an account for your baby or child from 0 to 16 years old.
- No minimum deposit: build children’s savings in a way that suits you.
- Simple withdrawals: our First Saver account offers instant access. So, you can take cash out whenever you need to.
- Managed by parents: you’ll hold this children’s savings account in trust.
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To open a First Saver account you must be 18+ and opening the account in trust for a child under 16. Both you and the child need to reside in the UK, and you need to have a NatWest current account.
NatWest Rooster Money
Give your kids a head start with money.
- Rooster Money app: helps kids get to grips with earning, saving and making considered spending choices.
- Rooster Card: independence for kids with their own contactless card.
- Parental controls: reassurance for parents with customisable parental controls to suit your family's needs.
- Rooster Card offer: NatWest customers can get up to 3 x Rooster Cards for free.
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Card for ages 6-17. Parent/guardian must be 18+ and a UK resident. £19.99/yr or £1.99/mo. Subscription free as long as you're a NatWest, Royal Bank of Scotland or Ulster customer. Other fees may apply. T&Cs apply.
Adapt bank account
Kids & teens account with a debit card and app that helps develop spending habits.
- Fee-free: no monthly fee on this account.
- Easy tracking in our app: child can pay their mates (ages 13+), freeze their debit card and check balances on the go.
- Parental peace of mind: this bank account has no overdraft.
- Pay with their phone. Easily pay via Apple Pay and Google Pay™ (ages 13+).
- Moves to an adult account at 18: account automatically moves to an adult account after they turn 18, but the same bank details are kept.
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This account is available to 11-17 year olds who are UK residents. 11-15s must apply with a parent or guardian who has a NatWest current account.
App eligibility criteria apply.
Families with students
Campus life can be exciting, but managing money can also be a new challenge.
With a student account that makes everyday banking easy - plus a separate savings account for planning ahead - your kids can enjoy their independence and stay in control.
If they have money left over, they could move it into savings to earn interest. Plus, our Round Ups feature helps them save a little extra every time they spend.
Now, they're budgeting for books, nights out, and even next summer’s trip.
Student account
Could make managing money as easy as campus life.
It’s designed for your lifestyle, with no monthly fee, budgeting tools, and perks like discounts or interest-free overdrafts.
By keeping your finances organised, you can focus on your studies without worrying about day-to-day banking.
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Specific account eligibility criteria apply. To apply for an overdraft, you need to be aged 18+. Overdraft subject to eligibility.
Savings accounts
You can start saving for your family’s future.
Set aside money for life’s unexpected moments or budget for bigger goals such as holidays or your children’s education.
By keeping savings separate from everyday spending, you stay on track and avoid dipping into funds meant for the future.
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Eligibility criteria and conditions apply. You must be a UK resident.
Round Ups
Saving could be as easy as spending.
Every time you spend, we round up your purchase and pop the spare change into your savings. It’s a simple way for families to build a little extra for treats or rainy days.
See how much you've saved each week with weekly alerts sent straight to your phone.
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Eligibility criteria and conditions apply.
Protection for the family
Becoming a parent, everything can change. Suddenly, it isn't about you - it's about making sure your family would be okay, no matter what. You want to know that if life threw a curveball, your loved ones would be protected.
A proactive approach to securing your family’s future could be through various insurance products: travel insurance through a packaged account, life insurance with flexible coverage, and home insurance suited to your needs.
Allowing you to focus on what matters most - being there for your family.
Packaged accounts
Insurances including travel and other lifestyle benefits – all bundled for your family in one account.
A packaged bank account is a type of current account that comes with added extras such as travel insurance for a monthly fee.
This means families can enjoy added protection and convenience while keeping everything in one place – potentially saving time and money.
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Specific account eligibility criteria and monthly fees apply.
Life insurance
Preparing for the financial impact if the worst was to happen.
It may provide financial support for your loved ones if the unexpected happens, reducing the worry and stress for those who depend on you.
You choose the level of cover and how long it lasts, so it fits your family’s needs.
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Life insurance is provided by Aviva. Available to residents of the United Kingdom.
Home insurance
Choose from flexible cover options to suit your needs.
Personalise your cover with our optional extras to suit your needs.
We do not charge an administration fee if you want to make changes to your policy.
With 0% interest, there’s no extra cost if you choose to pay monthly for your annual policy.
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Over 18's only, subject to eligibility and a credit agreement.
Underwriting criteria apply. NatWest home insurance policies are underwritten by U K Insurance Limited.
Budgeting holidays for families
If you've dreamed about taking your family on a dream holiday – but the thought of planning felt overwhelming. With a little help from NatWest, it could happen.
Options available include smart savings tools that can assist with setting savings targets, travel accounts designed to simplify spending abroad without fees, and packaged accounts that may include travel insurance for added protection.
You can explore these tools and products to help prepare for your trip at your own pace.
Other tools to help manage your money
Financial Health Check
Want tips and tools to manage your money and navigate life’s big moments?
Try our free Financial Health Check to review your personal finances today.
Spending and budget tracker
Ready to make your money work for you?
Start using our free ‘Spending’ feature in the app and turn smart budgeting into a habit.
Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us.
Overdraft calculator
Curious what your NatWest overdraft is costing you based on your circumstances and borrowing amount?
Use our overdraft cost calculator to find out now.