Designed for 11-18 year oldsApply online
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
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.
Important information about our Adapt account
Interest we pay you
The annual rates of interest paid on credit balances:
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.
Protecting your money
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.