Money confidence begins here

Child and teen bank accounts

Everyday accounts for under 18s

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 Ulster Bank customers with kids aged 6-17.

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

Current account and debit card (ages 11-17)

Good for: more financial independence with no parental controls.

Our Adapt 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+.

Savings account for children

Instant access savings for under 16s

Good for: learning about money management.

Urfirst savings 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/Gross p.a. (variable). Interest is calculated daily and paid quarterly.

Account eligibility apply.

Children’s account FAQs

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