Adapt account

Your Adapt account comes loaded with benefits. Here are just a few of them:

• Earn a good rate of 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.
• Free texts or music downloads when you top up your mobile phone at our cash machines.
• Top tips on how to manage your money and the opportunity to earn extra cash by sharing your ideas.
• Plus lots of other discounts

Get a sneak peak of the exclusive Adapt website

Free texts are only available to Orange Pay As You Go customers and we charge £5 for each new card design.

If you're 16 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.

Pay bills

Forget cheques - it's quicker and safer to send money online. You can even set up standing orders for regular payments and manage your Direct Debits.

Transfer money

Make instant transfers to any NatWest account - and transfer money to any other UK bank account.

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.

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 16 or over.

Already have an Adapt account and aged 16 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 16 or over and already have an Adapt account.

More about online banking.

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.

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).

The annual rates of interest paid on credit balances:

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. The exception to this is our Cash Account, where interest is paid within the first eight days of each month.

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 16s 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.