Adapt is our simple, secure account for 11-18 year olds

You can use your Visa Debit Card to buy all sorts of things like train tickets, cinema tickets, snacks and drinks etc, so you don’t have to worry about carrying cash.

What you should know

We’ll send you a code called a PIN number. Don’t tell anyone this number. You enter it when you want to take money out of a cash machine, or pay for things in shops or online.

Log in with your fingerprint on selected Apple and Android devices– it’s simple, secure and fast.

View your accounts – you can check recent transactions (things you’ve spent money on) and transfer money between your own accounts. 

If you’re 16 or older you’re able to pay family and friends - For example you can send money using their mobile number with Pay Your Contacts. It’s quick and easy (as long as they have our mobile app or are registered for Paym). Limits apply.

More about our Mobile Banking app

Because you might want to access your Adapt bank account at different times of day, we’ve made it as easy for you to do it whenever it suits you through our Online Banking or our Mobile Banking app. 

Our Adapt bank account can help you become smarter with money. You can see anything you buy or cash withdrawals you make using your Visa Debit card through Online Banking or the Mobile Banking app. You can also set up text alerts to let you know when things happen on your account, so you can quickly see what’s what.

What are text alerts?

Text alerts are a really handy way of keeping track on your money. You can get a text alert to let you know when your balance is about to go below a certain limit, or to let you know what your balance is at a specific time.  You can set them up when you fill in the online application form or in the mobile banking app. 

Interest is when your money earns money. So, if you had £100 in your account, 1% interest would be £1.00. In other words, you get a bit of extra money, just for keeping money in your account. Sweet.

What you should know

Interest is calculated daily and paid monthly.

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.