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.

I'm ready to apply

Great, thanks for choosing to bank with us.

Just to give you a heads up, this is how the application process works

If you are aged between 16 and 18 then you can open this account for yourself online.

If you are under 16 please ask a parent or guardian to apply for you. When filling in the form they should fill in your details - the application should be in the child’s name.

And now for the important legal stuff...

To open this account you must meet these requirements

Be between 11 and 18

A UK resident

Important Information

Please take some time to review, print and/or save the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.

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.

Are you ready to continue?

Great! Now we know a bit more about you, we can get started…