Personal
Child and Teen Accounts

Money confidence starts here

Child and teen accounts

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Card Plus Open in new window

First Saver Open in new window

Frequently asked question Open in new window

Build money confidence Open in new window

Everyday account for under 18s

Give your child money confidence early on with an everyday spending bank account.

Everyday account for under 18s

Good for: more financial independence with no parental controls.

Our Card Plus bank account for children and teens.

Tap to pay with contactless, Google or Apple Pay.
No fees or overdraft so you don't have to worry about debt.

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To apply, you must be 11 to 17 years old and a Jersey, Guernsey, Gibraltar or Isle of Man resident. If you are under 16 you will need to be accompanied by a parent or guardian to apply for an account in branch. Both you and your parent or guardian will need to provide identification. Applicants from Gibraltar must be an existing customer.
Apple Pay available for ages 13+ and Google Pay™ available for ages 16+.

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Saving and investing accounts for children

Whether you’re wanting to prepare a young child for the future or a teen aiming to learn more about money management, our First Saver account could help.

Instant access savings for under 16s

Good for: learning about money management.

Our First Saver account for children.

Account is held in trust: the account is opened in your name to save for your child. You can hold a First Saver account for your child up to 18 years.
Account held by child: the account is held by the child from ages 7-16 years. Children under the age of 11 can only make withdrawals in branch.

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First Saver is available to children aged 16 years and under who are resident in Jersey, Guernsey, Isle of Man or Gibraltar. If resident in Gibraltar, you must be an existing NatWest International customer.

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Children’s account – Frequently asked questions

How do I pick the right account for my children?

The right children’s account for you and your child to choose will depend on what you’re looking for and your needs. Finding the right account can be tricky, but we’ve pulled together all our children’s accounts on this page to help you decide which could be the best fit.

How do I apply for a children's account?

You can apply for a Card Plus child bank account if:

You’re 11 to 17 years old.
You’re a resident in Jersey, Guernsey, Isle of Man or Gibraltar (you must be an existing customer with us if you are resident in Gibraltar).
Under 16: Your parent or guardian will need to open the account for you.
Over 16: You can apply for the bank account by yourself.

Apply for a kids current account now

You can apply for a First Saver account if:

You’re aged 18+ and you're opening the account for a child under 18 or aged 7 to 16 with parent/guardian consent if you're opening the account for yourself.
You’re a resident in Jersey, Guernsey, Isle of Man or Gibraltar (you must be an existing customer with us if you are resident in Gibraltar).

Apply for a child’s savings account now

Can a grandparent open a savings account for a child?

Yes, you can open a First Saver for your grandchild as long as you’re 18+ and opening the account in trust for a child who is under 16 years old. Both you and the child need to reside in Jersey, Guernsey, Isle of Man or Gibraltar to apply. If you’re resident in Gibraltar, you must already be an existing NatWest International customer to open the account. The account can be opened and managed online, in branch or by telephone banking.

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