Adapt current account
Our exclusive account for 11-18 year olds
A NatWest Adapt current account lets you design the look of your bank card, with a photo of you or your mates.
What would you put on yours?
Grab control, upload your design and if it's popular you could make money. Or, if you need more inspiration, choose a limited edition image from our Pro Shots library.
Your Adapt account comes loaded with features and benefits. Here are just a few of them:
- Earn interest on your money
- A debit card which you can use in shops, over the phone and online. Plus, design the look of your card with your own photo, artwork or choose a design from our online library. We charge £5 for each new card design.
- Top tips on how to manage your money and the opportunity to earn extra cash by sharing your ideas.
- Plus lots of other discounts
Stay in control with online banking
If you're 11 or over you can manage your Adapt account online, and take real control of your money.
Bank when it suits you
Available day and night, you can do your banking whenever it suits you.
Manage your account
Check balances and statements, searching through up to seven years of transactions. It's easy to find what you're looking for.
Stay safe
With secure servers, free security software and Card-Readers, we're working hard to stamp out fraud.
Seeing your account in online banking
Signing up to online banking
It's easy. You'll be given the opportunity to sign up when applying for your Adapt account if you're aged 11 or over.
Already have an Adapt account and aged 11 or over?
If you’ve already got an Adapt account, but not online banking, signing up is simple and you could get instant access. Sign up now if you are aged 11 or over and already have an Adapt account.
This page provides a summary of the rates and charges that apply to NatWest current accounts.
Full copies of the fees and interest rates, and terms and conditions that apply to our personal accounts can be downloaded from our terms and conditions page.
Common definitions
Throughout this page, you'll see various terms being used. Here's what they mean:
Annual Equivalent Rate (AER) . This is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.
Effective Annual Rate of Interest (EAR) . This is the real annual cost of an overdraft, stated as an annual rate, which takes into account how often interest is charged to the account. All other charges, such as arrangement fees, must be shown separately from the EAR.
Gross Rate. This means the interest rate you are paid before the deduction of income tax.
Net Rate. This means the interest rate you are paid after the deduction of income tax.
Nominal Rate. The rate charged excluding compounding of interest and other charges associated with a borrowing, e.g. arrangement and security fees.
p.a. per annum (per year).
Interest we pay you
The annual rates of interest paid on credit balances:
| Type of current account | Amount held in account | Gross Rate % | Net Rate % | AER% |
|---|---|---|---|---|
| Adapt | Any amount | 1.00 | 0.80 | 1.00 |
Calculation and application of interest
Interest is calculated on a daily basis and paid into your account once a month, usually the day after we issue your statement.
Important information
Financial Services Compensation Scheme
Your eligible deposits with National Westminster Bank Plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme.
Any deposits you hold above the £85,000 limit are not covered.
View further information (PDF, 515KB) or visit www.fscs.org.uk
Full copies of the fees and interest rates, and terms and conditions that apply to our personal accounts can be downloaded from our terms and conditions page.
Telephone and Online banking allow you to manage your account 24/7, available for over 11s only.
Sometimes we have to update our systems so our 24-hour telephone and OnLine Banking services may not be available for short periods in the early hours of the morning.
Please also read our website terms and conditions which cover your use of this website.
Apply now
Call to book an appointment or speak to an advisor
0800 148 8323
Minicom
0800 917 0526
Monday to Friday 8am-8pm
Saturday 9am-6pm
(excluding public holidays).
Calls may be recorded
