Thank you for choosing to open an Adapt Account

Packed with benefits to help you make
the most of your money.

  • 03457 888 444
    (Minicom 0800 404 6161) Need help? Call us

Register your benefits

Get the most from your Adapt Account

Your Adapt account comes loaded with features and benefits. Some you'll be able to use straight away. For others you'll need to register.

Not registered yet?

Register now to enjoy all your benefits

Register now

What you'll need

  • Account number
  • Sort code

More info

Account number

Your account number is 8 digits long and is available on your statement.

Sort code

Your sort code is a six digit number on the front of your card. It's written in the format 00-00-00

If you're an existing customer and you've recently changed your account type, your sort code and account number will remain the same.

If you have recently become a customer by opening an account, you may have been provided with your sort code and account number during the registration process. Alternatively, it will be detailed on a letter that will be sent to you at the address you registered with us when opening your account.

Already registered?

Log in here to access your benefits.

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You need to register for these benefits

Have your say and earn cash

We've teamed up with Informer, an independent market research company, to give you the opportunity to get paid for your opinions.

Registration required

Log in to sign up.

Create a personal Adapt card

For just £5, you can customise your Adapt card with your own design. It could be a photo of you or of your friends - or even your own artwork.

Registration required

Log in to customise your card.

Online Banking

If you're over 11, you can log on to online banking and access your account over the internet.

Registration required

Sign up to start using online banking.

Benefits you get without registering

A Visa Debit card

Use your card in shops, over the phone and online.

Call 0870 600 0459 (Minicom 0800 404 6161) if you lose your card.

Earn interest on your money

The cash you put into your account immediately starts earning you interest.

Watch your money grow.

Telephone banking

If you're over 11, you can use our telephone banking service, Actionline, to manage your money over the phone.

Call 0800 881 1177 (Minicom 0800 404 6161) to bank by phone.

We make it easy to bank with NatWest

Text alerts

Keep up to date with your personal current and savings accounts, day and night.

Find out more about text alerts

Emergency cash

If your debit card is lost or stolen, you can still get access to your money by using our 24-hour Emergency Cash service. Limits apply.

Find out more about emergency cash

MoneySense for schools

Tools and advice to help you understand and manage your money.

Find out more about MoneySense for schools

Choose how to bank with us

Choose the way of banking that suits you

We offer a choice of ways to bank with us, so there's a convenient service to suit everyone.

Online Banking

Manage your money, whenever and wherever you like with our award-winning Online Banking. You must be 11 or over to use this service.

Find out more about Online Banking

Making banking easy

  • Get up-to-the-minute balances and mini-statements
  • See your statements online - going back up to seven years
  • Make instant transfers between your NatWest accounts
  • Pay bills and make payments to other people

Keeping you safe

  • Our Rapport software helps protect your Online Banking log-in details, keeping your identity safe.
  • You are covered by our Online and Mobile Security Promise, our commitment to you in the event of fraud

Award-winning service

Your Money Direct award for Best Online Banking Provider 2011

With Online Banking you can:

  • - view account balances and up to 7 years of transactions;
  • - transfer money and pay friends, family and bills instantly;
  • - go paperless - view, save and print PDF versions of your statements; and
  • - manage your standing orders and Direct Debits

Telephone banking

You can use our telephone banking service, Actionline, any time, day or night. You must be 11 or over to use this service.

Find out more about telephone banking

Call us on 0800 881 177 (Minicom 0800 404 6161*)

UK-based banking

  • All our telephone banking centres are based in the UK
  • We aim to answer calls in less than a minute
  • We'll always give you the option to speak to a real person

Making banking easy

  • Check your balance and review transactions
  • Transfer money instantly
  • Pay bills and order foreign currency
  • Set up or amend standing orders

Mobile Banking

Bank on the move with our mobile phone banking service.
You can get Mobile Banking for your iPhone, iPad, Android, BlackBerry or Windows smartphones.

Find out more about Mobile Banking


  • Standard network message rates apply when using the service in the UK
  • Extra network charges can apply when you use the service abroad. It's important to check this with your network provider

Banking on the move

  • See all your NatWest account balances and mini-statements
  • Transfer money between your NatWest accounts
  • Find cash machines and branches with our locator tools

To be eligible

You need to be a Digital Banking customer to use our apps.

Registering your NatWest app is easy

  • Download the app that suits your device - iPhone, Android, BlackBerry or iPad
  • Enter your mobile number and verify your handset
  • Accept the Terms and Conditions
  • Provide some personal information - including your Online Banking customer number, debit card number, card security number and postcode

Once you've registered, we'll verify your details and you should be able to start using you new app within 24 hours.

How to cancel the service

You can cancel the service at any time.

  • Delete the application from your mobile.
  • To cancel your text alerts set up through your app, text 'STOP' to 82628 or turn alerts off within the app.

Get the app

What you'll need

  • Online Banking customer number
  • Debit card
  • Card PIN

New NatWest customers will receive their debit card and PIN in a few days' time.

More info

Online Banking customer number

Your customer number is a unique 10-digit number that identifies you to us. It starts with your date of birth (ddmmyy) followed by a four digit number. You will have received your customer number when you registered for Online Banking.

Account number

Your account number is 8 digits long and is available on your statement.

Sort code

Your sort code is a six digit number on the front of your card. It's written in the format 00-00-00

In branch

We've got over 1,300 branches throughout the UK.

Find out more about in-branch banking

Find a branch or cash machine

Talk to one of our advisers

We've got thousands of advisers ready to talk to you about your financial needs.

Making banking easy

  • Most branches offer Quick Deposit and Rapid Deposit services
  • Convenient for depositing cash and cheques, and paying bills
  • You get a receipt for deposits

Award-winning network

Winner of the 2011 Your Money Best National Branch Network

What happens next

Your new account

You should have been given an account number and sort code when you signed up for your new account.

You should receive your Visa Debit Card and card PIN separately in the next few days.

Visa Debit Card

Make sure you activate your card once it's arrived.
The instructions are on your card.

If you haven't received your debit card or PIN after five working days please call us on 0345 788 8444 (Minicom number 0800 404 6161*)

Card PIN

Your card PIN is a four-digit number that you'll need to start using your debit card. Each time you insert your Visa Debit card into a cash machine, the first thing the screen will ask you to do is type in your PIN.

Switching made easy

The Current Account Switch Service can make life easier, by guaranteeing to switch your account in just 7 working days (excluding Bank and Public holidays). We’ll:

- transfer all your regular payments, like Direct Debits, standing orders and bill payments;
- let you choose your own switch date;
- arrange for your old account to be closed;
- redirect any payments into or out of your old account to your NatWest account for 13 months; and
- keep you up to date on how your switch is going, with texts and emails.

Common questions

When can I start using my account?

Your new account is set up but you'll need to activate your debit card to use it fully. You should receive your debit card soon, along with details of your card PIN. You'll find the activation instructions on the card.

How can I pay money into my account?

You can pay money into your account in the following ways.

  • Online - once you've signed up to Online Banking, you can instantly transfer funds between your NatWest accounts.
  • Mobile Banking - our Mobile Banking apps allow you to instantly transfer funds between your NatWest accounts.
  • Over the counter - pay in cheques or cash at any NatWest branch.
  • Cash Deposit Machines - these can be found in many branches and allow you to pay cheques or cash (notes only) into your account quickly.
  • Cash machines - over 750 NatWest cash machines allow you to pay cheques or cash (not coins) into your account. Just fill in a paying-in slip and follow the instructions on screen.

How can I check my account balance?

You can use your debit card to check your balance or get a mini-statement at any of our cash machines. If you're registered, you can also check your balance using our online, telephone or Mobile Banking services.

What are the main fees and charges on my account?

See the fees and charges relating to this account.

Can I move my existing Direct Debits and direct payments such as my salary to this account?

To find out more visit switching your current account to NatWest, call 0345 303 7075 (Minicom 0800 404 6161) or visit your local branch.

Lines are open between 8am and 8pm Monday to Friday and from 9am to 6pm on Saturdays (except public holidays).

What is a Direct Debit and how can I set one up?

A Direct Debit is a regular payment, either fixed or variable, that you allow an organisation to collect from your account (for example, to pay your gas, electricity or phone bills).

To arrange a new Direct Debit, you will need to sign a Direct Debit instruction provided by the organisation that you would like to pay.

The organisation will then send this to us. Please allow two working days before the date you want the payment to be made for your instruction to be processed.

The money is paid from your account automatically on the date you choose. This will be shown on your statement as a Direct Debit payment.

What is a standing order and how can I set one up?

A standing order is an instruction you give us to pay another person or organisation a fixed amount from your account at regular intervals (for example, once a month).

The money is automatically paid from your account on the fixed date you choose. This will be shown on your statement as a standing order payment.

There are three ways you can choose to set up a standing order:

  • through Online Banking
  • through telephone banking; and
  • at a branch.

When you set up a new standing order, please allow two working days before the date you want the payment to be made for your instruction to be processed.

To set up a standing order you'll need to have the sort code and account number of the account you want to make the regular payments into. If you're setting up your standing order through telephone or Online Banking, you'll need to use your security passwords.

What do I do if my card is lost or stolen?

We have a 24-hour Card Loss Centre that you should contact if your card is lost or stolen or if you suspect that someone knows your PIN. The numbers are:

from the UK 0870 600 0459 (Minicom 0800 404 6161*)

from abroad +44 1423 700 545

How do I contact NatWest?

You can visit your local branch, call our telephone banking service on 03457 888 444 (Minicom 0800 404 6161*) or visit our contact details page for more information.

Maximum call charge from a BT landline is 8p plus 4p per minute. Calls from other networks may vary. Calls may be recorded.

What happens when I reach 18?

When you hit 18, your NatWest Adapt account will change to one that will work even better for you. We will automatically convert it to a Select or a Student account, so you won't need to do anything except take advantage of the features of your new account. We will let you know before we do this.

Documents you should read and keep

Key documents**

NatWest Personal and Private Current Account Terms

Download NatWest Personal and Private current account terms PDF 375KB

If you would like to request a paper version of these documents or have any queries, please call us on
0844 620 2408.

** You will need Adobe Reader to view these documents. Get Adobe Reader.

These documents give you important information about your account. We may update them from time to time, but we will always show the latest versions here. Please print or save a copy for your records.

You should also download and read