Back to main menu
Search
Search
Overlay
family-on-sofa-looking-at-phone
Bank card for kids under 18s

Children's bank account with a debit card

Explore the two kids bank card options available from NatWest.

rooster debit cards

Kid bank accounts with a debit card explained

A child bank account or pocket money app with a debit card can give kids added freedom, while allowing adults to keep some control.

We’ve got a range of banking options to help kids and teenagers aged 6-17 spend, save, budget and learn. So, here’s a quick rundown of debit cards, and how a kids bank account with a card usually works:

Adapt bank account and debit card

Good for: more financial independence and letting their money grow.

  • 2.05% AER, 2.03% 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.
  • Tap to pay with contactless, Google or Apple Pay.
Information Message

This account is available to 11-17 year olds who are UK residents. 11-15s must apply with a parent or guardian with a NatWest current account. Apple Pay and Google Pay™ available for ages 13+. Available on select devices. Google Pay and Google Wallet are trademarks of Google LLC.

Continue to Adapt Open in new window
rooster money

NatWest Rooster Money pocket money app

Good for: creating positive money habits from a young age.

  • Parental controls to keep an eye on their spending with limits and alerts.
  • Create custom pots for saving money.
  • Free Rooster card subscription: for NatWest customers with kids aged 6-17. Includes Apple & Google Pay™. (£19.99 a year / £1.99 a month for non-NatWest customers).
Information Message

T&Cs apply (PDF, 100 KB). Pocket money app for ages 3-17. Card for ages 6-17. Parent/guardian must be 18+ and a UK resident. Offer eligibility criteria and T&Cs apply. Subscription free if you're a NatWest Group customer. Other fees may apply. Apple Pay and Google Pay™ available for ages 13+. Available on select devices. Google Pay and Google Wallet are trademarks of Google LLC.

Continue to Rooster Open in new window

What does a child need to apply for our kids bank cards?

Adapt current account and kids debit card

  • Kids aged 11-15 will need their parents or guardians to help with their application, who will also need to be an existing NatWest customer.
  • Teenagers aged 16-17 can apply for an Adapt current account and free kids bank card independently.
  • In both cases, we’ll need to see proof of ID before we can open the account.
Information Message

Rooster Money prepaid debit card

Kids will need the support of their parents or guardians to apply for a NatWest Rooster Money account and prepaid debit card.

You’ll need to:

  • sign up and download the Rooster Card app
  • add your kids
  • connect your account
  • claim your Rooster subscription.

NatWest customers can claim up to three cards free of charge. Subscription normally £1.99 per month or £19.99 per year.

Information Message

Child debit card need-to-knows

Opening a bank account and getting a debit card for your child can feel like a big step. Here are a few things to think about before you get started:

Bank cards for under-18s – FAQs