Ready for their next step?

If your child is getting better at managing their money, are a super saver, and spending sensibly, then a teen bank account could be the next step to more financial independence.

The readiness checklist

Tick off the steps below to see if a teen bank account is the right fit for your child:

They’re comfortable checking their own balance
They’re regularly setting money aside in savings pots for bigger goals
They’re spending sensibly solo or with friends
They’re thinking about future earnings, part time jobs and side hustles
They’re reaching an age where they’re looking for that extra bit of independence

Ticked most of these boxes? Your child is well on their way to building money confidence and the Adapt account could be their ideal next step.

Take a look at Adapt

Adapt is a slightly more grown-up account, giving kids that extra bit of responsibility to manage their money independently. It’s a current account with a debit card and mobile app, with some additional freedoms to help build good money habits.

With an Adapt account, kids can:

Take full control of their money with their own account and card, giving them total independence without parental logins or oversight
Receive money directly into their account from friends, family, or their first job
Set up their own direct debits or standing orders for regular payments, like a gym membership, phone bill, or streaming subscriptions
Build their money skills safely with no overdraft, so no chance of overspending
Earn monthly interest on their balances
Use Apple Pay or Google Pay™ for an easy and secure way to pay

The account is available to 11-17 year old who are UK residents. 11-15s must apply with a parent or guardian who has a NatWest current account. App eligibility criteria apply. Interest is calculated daily and paid monthly. Called Royal Bank of Scotland Revolve in Scotland and Ulster Bank Adapt in Northern Ireland. Standing order feature only available to 16+ year olds. Apple Pay and Google Pay™ available for ages 13+ on selected devices. Retailer limits may apply.

Learn about Adapt

Learn about other teen accounts

There are also other NatWest, Royal Bank of Scotland and Ulster Bank teen accounts which come with a bunch of features and benefits that could be perfect for young adults, whether they're getting ready to head off to university, starting a new job, or embarking on new adventures.

NatWest

Live in England or Wales? See more NatWest teen accounts

Royal Bank of Scotland

Live in Scotland? See more Royal Bank teen accounts

Ulster

Live in Northern Ireland? See more Ulster Bank teen accounts

Prepare them for the future with NatWest Thrive

Not sure if they're ready to make the jump yet? NatWest Thrive is packed with practical tips to share with your teen, to help them transform the way they think about money and their future.

Learn more about NatWest Thrive

Understand their income

Help your teen learn how payslips work, understand income and deductions, and discover what they need to know before getting paid for their first job.

Safe scrolling starts here

Social media can be a great way to connect with others, but it’s important to know how to stay safe online. Help your teen learn how to spot warning signs, avoid scams and protect their personal and financial information.

Unlocked digital game

Unlocked is a brand-new, free digital Escape Room designed to help young people recognise, avoid and respond to real-life fraud and scam.

Play

What is a credit score?

Watch credit score explainer video

Build their interview skills

Watch the steps to interview success

Help your teen prepare for their future with even more guides, tips, and tools from NatWest Thrive

Visit the teen resource hub