Adapt bank account

Child bank account for 11-18 year olds

A simple children's bank account


Earn 1% interest on your balance

Make purchases and withdraw cash with your Visa debit card

Check your balance wherever you are with our mobile banking app

Use Apple Pay and Google Pay™ to buy things with your phone. You must be 13+ to use these services

No monthly fee

Product features

Visa Debit Card

Make purchases in shops and online. Withdraw cash from a cash machine.

Visa Debit Card in detail

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.

Mobile Banking app

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

Mobile Banking app in detail

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.

App available to Online Banking customers with a UK or international mobile number in specific countries

More about our Mobile Banking app

Earn interest

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

Earn interest in detail

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.


 AER/Gross p.a. (variable) 

Any amount



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.



How to apply online

Who can apply?

If you’re over 16, just use the section below. If you’re under 16, please get a parent or guardian to do it for you.

How can I prepare?

We’ll need some details, such as your current address and contact information.

Start your application

You can apply online right now if you are ready. Just use the section below to tell us about yourself

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…