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Adapt bank account

Our child & teen bank account

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™ (you must be aged 16+) and Apple Pay (you must be aged 13+)
  • You won't have to pay any regular set fee to have this account

What is a current account?

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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 aged between 16-18, 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.

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

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 good? Start here...

We need to do a few final checks with you. They'll only take a minute.

Ok, great. Please make sure a parent or guardian is with you now. Next up, are you (the applicant)...

Does your parent or guardian use NatWest Online Banking?

We can use their details to speed up your application.

You're all set

We'll ask for a few things during your application:

Photo ID, such as a Passport or PASS card

A selfie (just to compare against your photo ID, we won't keep it after your application)

Proof of your address (with your name, or the name of the parent or guardian helping you)

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.

You're all set

We'll need to see a few bits of info in one of our branches after the application to open your account:

Proof of ID, like a Passport, birth certificate or PASS card

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

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.

Do you (the applicant) know your Online Banking details?

By entering your details, we can pre-fill some of the application.

You're all set

We'll need to see a few bits of info in one of our branches after the application to open your account:

Proof of ID, like a Passport, birth certificate or PASS Card

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

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.

You're all set

We'll need to see a few bits of info in one of our branches after the application to open your account:

Proof of ID, like a Passport, birth certificate or PASS Card

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

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.

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, to open your account:

Proof of ID, such as a Passport, driving license or PASS card

Proof of your address, such as a recent bank statement, National Insurance confirmation letter or a letter from your school or college

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