Child Bank Account - Adapt Account - NatWest

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Adapt Account

Designed for 11-18 year olds

Apply online
Applying for... Adapt account

Are you a new or existing customer?

You must be aged 11-18 to and a permanently resident in the UK to apply.

Adapt Account An account especially designed for 11 to 18 year olds

Earn interest on everything you pay in and get your own Visa debit card to use online and in shops

  • Earn interest on everything you pay in
  • Get your own Visa Debit card to use online and in shops
  • Manage your money on the move with our Mobile app
  • Use Online Banking to look after your money
  • Plus, for just £5 you can decorate your card with your own photo or artwork
Visit the Adapt website to find out more
Add your signposting title here… Make your debit card stand out

With our Adapt account you can get a Visa Debit card which you can use in shops, over the phone and online. 

Plus, design the look of your card with your own photo, artwork or choose a design from our online library.

There is a small charge of £5 for each new card design.

More about designing your debit card
Adapt account Managing your money

Keeping an eye on your Adapt account is easy! You can use both Online Banking and our Mobile App to check your balance, top up your phone and much more.

Find out more about our Mobile app

Register or login to Online Banking

Find out more about managing money

NatWest Adapt account Making money with Adapt

Want the chance to earn some extra cash? By choosing to answer some questions and giving your opinions to SurveyBods they will pay you for your time. It's that easy!

NatWest current accounts Find out what you need to open an account
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Important Information Important information about our Adapt account

Interest we pay you

The annual rates of interest paid on credit balances:

Type of 
current account

Adapt

Amount held 
in account

Any amount

Gross 
Rate %
(fixed)

0.80

AER%
(fixed)

1.00

 

Calculation and application of interest

Interest is calculated on a daily basis and paid into your account once a month, usually the day after we issue your statement.

Definitions

Annual Equivalent Rate (AER) . This is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.

Effective Annual Rate of Interest (EAR) . This is the real annual cost of an overdraft, stated as an annual rate, which takes into account how often interest is charged to the account. All other charges, such as arrangement fees, must be shown separately from the EAR.

Gross Rate. This means the interest rate you are paid without the deduction of income tax

Nominal Rate. The rate charged excluding compounding of interest and other charges associated with a borrowing, e.g. arrangement and security fees.

NatWest Adapt account Ready to apply?
Apply online
Applying for... Adapt account

Are you a new or existing customer?

You must be aged 11-18 to and a permanently resident in the UK to apply.

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