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Adapt Account

Designed for 11-18 year olds

Apply online

Adapt Account | NatWest - current accounts

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

Design your own Visa Debit card

Make your Debit card stand out

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 & 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


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


Amount held 
in account

Any amount

Rate %


Rate %





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.


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 before the deduction of income tax.

Net Rate. This means the interest rate you are paid after 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.

Helpful banking

Protecting your money

Protecting your money - FSCS Your eligible deposits with NatWest are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. Any deposits you hold above the £85,000 limit are unlikely to be covered.

Please note that the cover under the FSCS will reduce to £75,000 from 1 January 2016. Please click here for further information or visit

NatWest Adapt account

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