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Adapt bank account

Our child & teen bank account

On this page
Account summary
Product features
How to apply online
Ready to apply

Our under 18's bank account with debit card

 

  • This youth current account is called 'Adapt'
  • Make purchases and withdraw cash with your Visa debit card
  • Check your balance out and about with our Mobile Banking app
  • Earn 1% interest on your balance
  • Works with Google Pay™ and Apple Pay
  • You won't have to pay any regular set fee to have this account

This child bank account is for 11 to 18 year olds who are UK residents.

What is a current account?

Created with Sketch.

A current account is a type of bank account

They are generally used for everyday spending, like buying something from a shop. You can also use one to receive money from others, like a parent or employer.

What you'll get...

Our teen bank account comes with

A Visa Debit Card

Buy things in shops and online, and withdraw your cash from a cash machine.

Our Mobile Banking app

Our Mobile Banking app is secure, easy to use and lets you manage your banking when you’re out and about.

Interest on your balance

You’ll earn interest on everything you pay into this account.

Apple Pay and Google Pay

Use your phone as a way to pay

Pay your mates with Paym

Paym lets you send cash to friends and family using their telephone number

You can apply for a kids and teen account online

Can I apply myself?

If you're 11-15, you'll need a parent with you to open an account. If you're 16-17, you can open this account online yourself.

How can I prepare?

We’ll need some details, such as your current address and contact information. If you have an ID, like a Provisional UK Driving License or Passport, have that to hand.

Wait - I'm under 11!

If you're under 11, we can't offer you a current account just yet. However, our First Saver savings account means you can start saving from 7 years old.
More on First Saver

Get ready to apply

Before you apply, we need to check you're happy with a few things, and ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

are aged 11 - 17 and a UK resident

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet, and you're happy to view bank statements online, instead of them being posted to you. Please take some time to review, print and/or save the important information

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

All okay? You’re nearly ready to start.

To speed up your application for our Adapt account, we need to do a few final checks with you. They'll only take a minute.

Continue
How old are you?
Previous
Next
Great, make sure you have a Parent or Guardian with you now...
Next up, do we already know you (the applicant)? You're an existing customer if you have a children's savings (First Saver) account with us.
Previous
Next
Is your parent or guardian a NatWest customer?
Previous
Next
Does your parent or guardian know their NatWest Online Banking details?
They'll need these to help you begin your application.
Previous
Next
Do you [the child] have any of the following photo proof of IDs?
Please note that for your photo ID to be accepted, the document must be in date and have not expired. If your ID has expired, or if you possess a different form of ID to those below, please select 'None of the above' to continue.

or

Previous
Next

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID - this must be either a Passport, EU/EEA ID card, PASS card or UK Provisional Driving Licence
  • A Liveness check, a short video to compare to your photo ID 
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Your parent or guardian will need to login to Online Banking at the start of your application, so be sure they know their Online Banking customer number, PIN and password.

Previous

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, see here for the full list of documents we can accept
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement, utility bill or a letter from your school. Full list here
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous

Previous

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.
 

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

 

Previous

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, like a Passport, birth certificate or PASS card. Full list of documents we accept can be found here
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement, utility bill or a letter from your school. Full list here
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous
Do you [the child] know your Online Banking details?
By entering your details, we can pre-fill some of the application.
Previous
Next

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, like a Passport, birth certificate or PASS Card. Full list of documents we accept can be found here
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement, utility bill or a letter from your school. Full list here

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, like a Passport, birth certificate or PASS Card. Full list of documents we accept can be found here
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement, utility bill or a letter from your school. Full list here

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous
Do we already know you (the applicant)?
If you already have a NatWest children's savings account (First Saver), you are an existing customer.
Previous
Next
Do you have any of the following photo proof of IDs?
Please note that for your photo ID to be accepted, the document must be in date and have not expired. If your ID has expired, or if you possess a different form of ID to those below, please select 'None of the above' to continue.

or

Previous
Next
Do you have any of the following?
You can use any of the documents below but they must have your name and address on, and must match with the name and address you enter into your account online application. Unfortunately we can't accept a mobile phone bill, and they need to be physical documents you have to hand, not downloads.

or

Previous
Next

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID, this must be either a Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or driving licence, or a PASS card
  • A Liveness check - a short video to compare to your photo ID
  • Proof of your address, such as a recent bank statement, driving licence, National Insurance confirmation letter or recent utility bill. Full list here
Previous
Do you have a parent or guardian that is a NatWest customer?
If they're nearby, we can use their details to help your application.
Previous
Next
Do they know their NatWest Online Banking details?
Previous
Next

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID, this must be either a Full or Provisional UK Driving Licence, EU/EEA ID card or driving licence, or a PASS card
  • A Liveness check - a short video to compare to your photo ID
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Your parent or guardian will need to login to Online Banking at the start of your application, so be sure they know their Online Banking customer number, PIN and password.

Previous

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.
 

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Previous

You're all set

Once you've finished the application, you’ll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Photo ID, such as a Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or driving licence, or a PASS card. See a full list of documents we can accept here
  • Proof of address, for example, a UK Driving Licence (or provisional). Full list here

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

Previous

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous
Do you know your Online Banking details?
By entering your details, we can pre-fill some of the application.
Previous
Next
Do you have any of the following photo proof of IDs?
Please note that for your photo ID to be accepted, the document must be in date and have not expired. If your ID has expired, or if you possess a different form of ID to those below, please select 'None of the above' to continue.

or

Previous
Next
Do you have any of the following?
You can use any of the documents below but they must have your name and address on, and must match with the name and address you enter into your account online application. Unfortunately we can't accept a mobile phone bill, and they need to be physical documents you have to hand, not downloads.

or

Previous
Next

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID, this must be either a Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or driving licence, or a PASS card
  • A Liveness check - a short video to compare to your photo ID
  • Proof of your address, such as a recent bank statement, National Insurance confirmation letter or recent utility bill. Full list here
Previous

You're all set

Once you've finished the application, you’ll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Photo ID, such as a Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or driving licence, or a PASS card. See a full list of documents we can accept here
  • Proof of your address. Although you may not have this with you right now, it is something we'll need to see after the application. There are a few options available for you

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

Previous

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

Proof of ID, see here for the full list of documents we can accept

Proof of your address (with your name), like a recent bank statement, utility bill or a letter from your school. Full list here

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

Previous

You're all set

Once you've finished the application, you’ll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, for example, Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or a PASS card. See a full list of documents we can accept here
  • Proof of your address, such as a recent bank statement, National Insurance confirmation letter or a letter from your school or college. Full list here

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

Previous