Overlay
Photo of a boy sitting on the floor with his skateboard
Revolve bank account

Open a kids' & teen bank account

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 Royal Bank of Scotland current account.

Features parents and guardians will love

  • No monthly account fees.
  • Earn 2.35% AER, 2.33% Gross p.a. (variable) interest on balances. Interest is calculated daily and paid monthly.
  • There’s no overdraft available on our child and teen bank account. 
  • Get peace of mind, with protection from the 
Information Message

Features teens will love

  • Pay your mates via the mobile app (ages 16+).
  • Freeze and unfreeze your debit card in the app.
  • Pay from your phone with Apple Pay and Google Pay™ (ages 13+).
  • Earn interest when adding cash to this bank account for teens and kids.
Information Message

Make banking simple with our mobile app

With this account, kids and teens can use the same app features as adults. As a parent, you can’t remotely access or control the account. But you could set spending limits for kids aged 15 and under. Want an account with more parental controls? Take a look at our Rooster account. Here are some handy ways to manage your account via our mobile app.

Information Message

App available to customers aged 11+ with a compatible iOS and Android device and a UK or international mobile number in specific countries.

View your under 18 bank account on the go

Check your accounts, balances and recent transactions (things you’ve spent money on). And transfer money between your own accounts.

Information Message

Get cash without your debit card

Take out up to £130 every 24 hours from our branded cash machines, so long as it’s within your daily withdrawal limit. You must have at least £10 available in your account. And your kids' debit card must be active.

Information Message

Freeze and unfreeze your kids' debit card

Our teen and child bank account comes with a debit card. If you misplace your debit card, you can lock it until you find it. Card lost, stolen or damaged? The quickest way to report this is with our app.

Information Message

Pay in cheques securely

Use your camera to deposit cheques 24/7 via our mobile app. This feature lets you pay in up to £750 to our child and teen bank account each day. It’s simple, secure and saves you a trip to the branch. Limits apply.

Information Message

Payments and interest on our bank account for teens

Ways to pay

Contactless debit card

Buy things in shops and online with a teen and kids bank card. You can take money out of a cash machine too.

Apple Pay and Google Pay

Pay for things easily using your phone when you're out and about.

Make regular payments

Set up Direct Debits and standing orders to pay regular bills, like a gym membership.

Interest

How to open a bank account for a child or teen

Parent or guardian? You can only open a child or teen account if you already bank with us. If you’re a teen aged 16-17, you can open the account yourself. Take a look at these guides for parents/guardians who are existing customers, new parent/guardian customers and teens.

Information Message

To apply for a current account, parents or guardians must be 18+ and UK resident.

Parent/guardian: existing Royal Bank customer

  1. As a parent or guardian, you can  apply online for an under 18 bank account.
  2. Your child or teen will need to provide proof of ID (like a passport), plus proof of their current address if they don’t live at the same address as you. 
  3. Once you’ve applied for our bank account for teens and kids, you’ll get an instant decision. However, if we need more details from you, it can take around 5 working days for the account to be up and running.

Keep in mind that this account doesn’t offer parental controls. This means you can’t monitor your child’s spending unless they give you access themselves.

Information Message

Parent/guardian: new Royal Bank customer

  1. To open a child’s bank account as a parent or guardian, you’ll need to have an existing bank account with us. If you don’t already, you can review our accounts and apply here.
  2. Once your bank account is open, you can apply for your child's account. Just log in and then get your child to fill in their details. We'll ask to see their ID to check it's them. If they don't live with you, we'll also ask for proof of their address.

Looking for a pre-paid debit card option instead? Take a look at our NatWest Rooster Money card. For kids aged 6-17. Eligibility criteria and T&Cs apply. Fees may apply depending on card selection.

Information Message

Teen aged 16-17: how to open the account yourself

  1. If you’re 16-17, you can apply for your own teen bank account. 
  2. You'll need your ID to apply online. If you don't have an ID, you can still get an account, but you'll need to apply with a parent or guardian who has a bank account with us. 

When it comes to bank accounts for 11 to 15-year-olds, your parent or guardian must have or open a bank account with us to get one for you.

Information Message

Information Message

Get ready to apply

Before you apply for our Revolve under 18 bank account, we need to check you’re happy with a few things, and ask a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

  • are aged 11 - 17 and a UK resident

Now please take a look at the important legal info:

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

 

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this  is captured.

All okay? Apply for your Revolve account today

We'll ask you a couple of questions to get you started.
It'll only take a minute.

Note: If your parent or guardian is opening another Revolve account, you won’t be able to apply until that account is opened.

Frequently asked questions

How do children’s bank accounts work?

Our Revolve current account is for children and teens aged 11 to 17 years old. It comes with a contactless debit card for all ages. Those aged 13+ can use . 16+ aged teens can also use the.

Child under 11? Our Rooster Money app and pre-paid debit card might be a good option.

Why teach your kids about money?

  • Teach them how to budget their pocket money and ways to earn money.
  • Show them how cashless payments work from a young age.
  • Reduce the risk of banknotes and coins getting lost.
  • Break down financial jargon in a real setting. E.g. PIN, sort code.
  • Talk about the benefits of saving and interest.

Open a child's bank account online – FAQs

Parents: prefer a pocket money app managed by you?

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 Royal Bank customers with kids aged 6-17.

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

Information Message

Other ways we could help

Savings for kids

Whether you’re a parent wanting to prepare your young kids for the future or a teen aiming to learn more about money management, a Royal Bank First Saver could help.

Rooster Run

Try out our digital game, Rooster Run and discover the world of NatWest Rooster Money.

Invest for the future

If you’re looking to invest money for your kid’s future, a junior ISA could be a good option. Money is invested which means it could grow more than in a normal bank account. The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.