Overlay
Debit card for under 18s

Children's bank account with a debit card

Bank accounts with a debit card

We’ve got a range of banking options to help kids and teenagers aged 6-17 spend, save, budget and learn. Having a child bank account a pocket money app with a debit card can give them added freedom, while still allowing an adult to have an element of control.

How to get a children's debit card

Applying for a child’s bank account with a debit card is easy with Ulster Bank – but you’ll need to think about the type of account you want first.

Man looking and computer. Boy holding a Rooster card behind. Premier Reward account

Kids’ pocket money app and prepaid debit card

Ages 6-17

Give your kids a head start with NatWest Rooster Money. It comes with a contactless card and a simple app to help kids handle their own money. But it’s great for parents too. You can log in, set limits and keep an eye on what they’re spending. What’s more, there’s no chance of debt, overdrafts or overspending.

  • Free Rooster Card subscription offer: For Ulster Bank customers with kids aged 6-17. Subscription normally £1.99 per month or £19.99 per year. Now including the ability to pay with Apple & Google Pay™ for kids aged 13+.
  • Great features: Set spending limits, view their account, get real-time notifications when they spend and help bring that new bike within reach with custom savings pots.
  • Pick a Rooster Card design: Your kids can choose from a wide range of fun, colourful designs to find the perfect match for their personality. Some of the designs might cost a bit extra.
Information Message

Information Message

To be eligible for the free Rooster Card subscription offer you must be an Ulster Bank customer, over 18, a UK resident, registered for either Mobile Banking or Anytime Banking with kids aged between 6 and 17. Offer includes up to three cards. Some card designs may incur a fee. Card designs are subject to availability. Other fees may apply. Offer T&Cs apply (PDF, 100KB). Apple Pay is available on selected Apple devices. You must be aged 13+ to use this service. Google Pay is available on selected Android devices. You must be aged 13+ to use this service. Retailer limits may apply.

Girl holding an ice cream outside an ice cream van Premier Reward Black account

Adapt current account and debit card

Ages 11-17

Trainers. Hanging with friends. Theme parks. Help get on top of your money you can do more of what they love with a free Adapt current account, app and card. With this account, kids and teens can use many of 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.

  • Features parents and guardians will love: No monthly account fees. There’s no overdraft available on our child and teen bank account. Get peace of mind, the account is protected by the Financial Services Compensation Scheme. 
  • Bank on the go: Pay your mates via the mobile app (ages 16+). Pay from your phone with Apple Pay and Google Pay™ (ages 13+). Freeze and unfreeze your debit card, Face ID and many more. 
  • Get interest: Earn interest when adding cash to this bank account for teens and kids.
Information Message

Information Message

Account eligibility criteria apply. Specific criteria apply for the app and certain features. 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 Ulster Bank current account. App available to customers aged 11+ with a compatible iOS and Android device and a UK or international mobile number in specific countries. Apple Pay is available on selected Apple devices. You must be aged 13+ to use this service. Google Pay is available on selected Android devices. You must be aged 13+ to use this service. Retailer limits may apply.

What's needed to apply online for a debit card?

Woman using mobile phone Premier Reward account

NatWest Rooster and prepaid debit card

Kids will need the support of their parents or guardians to apply for a NatWest Rooster Money account and to get a prepaid debit card. You'll need to sign up and download the Rooster Card app, add your kids, connect your account and claim your Rooster subscription. Ulster Bank customers can claim up to three cards free of charge. Subscription normally £1.99 per month or £19.99 per year. 

Information Message

Couple driving Premier Reward Black account

Adapt current account and 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 Ulster Bank customer. Teenagers aged 16-17 can apply for an Adapt current account independently. 

Information Message

Parent? The debit card need-to-knows for your child

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: 

Cards for under-18s FAQs

Additional bank accounts

We also offer additional bank accounts to suit your needs

Information Message

Specific account eligibility criteria applies.

 

Student Account

Student accounts are changing.

  • Student accounts will now be provided by NatWest.
  • No monthly fee.

 

Specific account eligibility criteria applies.

Information Message

Reward Silver bank account Reward Silver bank account

Graduate Account

Your account graduates with you.

If you have an existing Ulster Bank Student account, we'll automatically switch it to a Graduate account for you.

Within July and August of the year of your graduation, we will change your Student account to a Graduate account. We will notfiy you at least 60 days before we do this.

Information Message