Child Bank Accounts - Adapt Bank Account | NatWest

Adapt bank account

Our child bank account

Get your own Visa Debit card
Easy to use mobile app and online banking
No fee
This account is for an 11-18 year old, who is a UK resident
Apply online Over 18? See our adult accounts

Benefits of the Adapt Account

Manage your money on the move

Our mobile app is designed to be simple and straightforward to use, to help you look after your money.


You can use it to check your balance and recent transactions. If you're 16 or older you can pay friends or family easily using pay your contacts or by transferring directly into their account.


More about our mobile app


App available on most smartphones to NatWest customers with Online Banking and a UK mobile number.

Multiple ways to bank with us

There are many ways to bank with us, whether you want to use your mobile phone, tablet or online banking.


More about ways to bank

Get your own Visa Debit card

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


We no longer offer personalised debit cards. If you already own one then you're more than welcome to keep it, but it will revert to a standard card when it's renewed.

Important information about this account

Interest we pay you

Earn interest on everything you pay into this account

Balance AER/Gross p.a. (variable)
Any amount 1.00%

Rate shown correct as at 31 October 2016

Interest is calculated daily and paid monthly.


What you should know

Annual Equivalent Rate (AER). This is a notional rate used for interest bearing accounts which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.

Gross Rate. This means the interest rate you are paid before the deduction of basic rate income tax.

What you need when opening an account

As part of the application process, we will ask you to provide us with ID which can be verified online, by post or in branch. You can find out more about the documents we accept here:


ID documents for Under 18s

Proof of address documents for under 18s


Opening an account for your child

If your child is under 16 years old then you can open an account on their behalf by following these simple steps:


  1. Fill out the online application form in your child's name.
  2. We will send you a confirmation letter via post or email, which may require you to provide ID information either online, by post, or in branch.
  3. Once all of the ID documents have been received, we will open the account.

How to follow up your application

Remember to take note of the reference number that you will receive at the end of your application form. 


To get in touch with us or view frequently asked questions please visit our support centre.

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