Most of us have probably relied on the bank of mum and dad at some point during our adult life.

But it would appear that it’s not just some of us, and not just the odd occasion.

According to new research, British parents are forking out an average of £50 a month to help their adult children with household bills.

And it’s not just those struggling financially whose parents are bailing them out – some parents are still forking out despite their child earning more than £50,000 a year.

The research from Tesco Mobile quizzed more than 2,000 parents of children of all ages. 

One in 10 parents of over-25s admitted to paying their children’s bills, spending an average of £56.73 each month for their grown-up child’s daily expenses.

I can understand why parents of grown-ups are reluctant to cut the purse strings

Simon Groves, chief marketing officer, Tesco Mobile
An atom of type quote lives here

Tesco Mobile dubbed the kids who still rely on their parents the ‘APP Generation’ (Adults whose Parents Pay).

Nearly four in 10 of APP parents said they were happy to pick up the tab for their children because they needed financial help, with one in 10 saying it ‘makes them happy’.

But not all grown-up children seem quite as in need of financial support as others – more than a third (35%) of parents whose children earns more than £50,000 still fork out for their bills.

One in 20 of these parents still pay these bills because they haven’t “got around to changing contracts”, or had forgotten they were paying them completely.

And a quarter of parents who pay their offspring’s bills admit they’ve been stung by unexpectedly high bills with the average ‘bill-shock’ from their APPs costing £178.32. 

According to the research, a quarter of 25 to 29-year-olds are still living at home, while nearly 40% of bankers and accountants surveyed are getting their phone bill paid by their parents.

A quarter of parents who pay their offspring’s bills admit they’ve been stung by unexpectedly high bills. Image by forestpath/Shutterstock.com

68% of parents admit they will continue paying their child’s bill for as long as they’re needed, and 32% said they would carry on paying their kid’s phone bill past the age of 20 if it means they phoned home more.

The most commonly-paid bills picked up by parents were mobile phones, rent, and credit or store cards.

More than a third of parents with children older than 16 pay their bills, with one in five of these regularly paying more than £100 a month.

The growing reliance on smartphones is adding to the cost for parents, with 60% funding their child’s mobile costs, the research found.

And a whopping 64% of parents are being stung by a mobile phone bill-shock as a result of their child’s smartphone habits and unexpected charges.

Simon Groves, chief marketing officer of Tesco Mobile, said: "As a dad, I can understand why parents of grown-ups are reluctant to cut the purse strings. It’s nice to feel needed. 

“What’s really shocking is how many of these parents are being caught out with unexpectedly high charges when their kids’ spending gets out of control.

“Tesco Mobile has continued to ensure that customers who are responsible for multiple phone bills are safe from bill-shocks with capped contracts offered as standard.”

He said the company has also teamed up with parenting tech champion Dr Sue Black to launch a ‘Tech in Check’ month on the Tesco Mobile website featuring advice from her and other leading experts on family technology.