The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
About NatWest Rooster Money
NatWest Rooster Money is a pocket money app and kids’ prepaid debit card – the Rooster Card. Designed to encourage good money habits from an early age, the app has a whole host of features and tools to help kids start their financial education.
There are 2 parts to Rooster Money – kids as young as 3 can start using the app, while the card itself is for those aged 6-17. There is a free plan if you only want to use the most basic app features – otherwise, you will pay a monthly or annual fee for the app and card. However, parents with an existing NatWest Group current account (which includes NatWest, Royal Bank of Scotland and Ulster Bank) can get the subscription for free.
The app’s features are varied – the chore chart shows kids how they can earn money in return for completing a task. The virtual money tracker makes it easy for kids to see the money they’ve earned and decide what to do with it – such as creating pots for spending, saving or giving. There’s also a star/reward chart to incentivise good habits.
When they reach age 6, kids can access their very own contactless debit card. The kids can decide where it’s used (online, in-store or at an ATM), while parents can set flexible spending limits and keep track of their kids’ usage with real-time notifications. This is all managed seamlessly through the app. Use Finder’s referral code “FINDER10” to receive a £10 bonus.
Check out the main pros and cons of Rooster Money below to find out more.
Pros and cons of NatWest Rooster Money
Pros
- Make money fun with reward charts, chores and a virtual pocket money tracker
- Focus on financial education encourages good money habits
- Savings pot teaches kids how to save
- Strong controls mean parents can track how the card is used and set limits
- Safe and secure – the card can be frozen from the app
- One month free trial for the Rooster Card, while the virtual tracker is free
- Cheaper than some other kids’ prepaid cards
- No subscription fee for existing NatWest, Royal Bank of Scotland or Ulster Bank customers
Cons
- Subscription fee for non-NatWest customers to access the card
- Parents have a limited number of free top-ups (3 a day or 10 a month)
- 3% overseas transaction fee applies abroad on anything over £50 a month
- No interest paid on savings
Alternative offers
We also have other similar cash sign-up bonus deals, refer-a-friend offers, and more as part of our free money offers guide.
More resources on Finder
More guides on Finder
-
Are parents the real money influencers?
The message from kids is clear – they want money lessons, and they want them now. This research reveals how parents are stepping in to fill the gap. (Paid content)
-
Monzo for Under 16s review
Monzo’s long-awaited children’s account has launched. We’ve reviewed it to see how it stacks up against the competition.
-
Children’s savings bonds
Discover how children’s savings bonds worked, what to do if your bond is nearing maturity and what alternatives are available.
-
Virgin Money children’s bank account review
Find out more about the children’s accounts available from Virgin Money.
-
Ulster Bank children’s bank account review
Find out more about the children’s accounts available from Ulster Bank.
-
GoHenry vs NatWest Rooster Money (with a £20 pocket money bonus!)
We compare GoHenry and NatWest Rooster Money to see which is better for your child.
-
GoHenry vs nimbl (with a £20 pocket money bonus!)
We compare GoHenry and nimbl to see which could work better for you and your child.
-
GoHenry vs HyperJar Kids (with a £20 pocket money bonus!)
We compare GoHenry and HyperJar Kids to see which could work better for you and your child.
-
GoHenry promo, discount and referral codes for December 2025
New to GoHenry? See if you can keep some more money in your pocket with our promo codes and special offers.
-
nimbl review
With nimbl, children as young as 6 can use a card and manage their money through an app. We cover how it works, the fees, and the pros and cons for parents.