Money confidence begins here

Child and teen bank accounts

Everyday accounts for under 18s

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+.

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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. 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 Ulster Bank personal customers. 

Google Pay and Google Wallet are trademarks of Google LLC.

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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, 2.67% Gross p.a. (variable). Interest is calculated daily and paid quarterly.

Account eligibility apply.

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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.

Ulster Bank'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.

Something else we can help you with?