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Adapt bank account

Our child & teen bank account

Our under 18’s bank account with contactless debit card

 

  • This youth current account is called 'Adapt'
  • Make purchases and withdraw cash with your contactless Visa Debit Card
  • Check your balance out and about with our Mobile Banking app
  • Earn 1% interest on your balance
  • Works with Google Pay™ and Apple Pay
  • You won't have to pay any regular set fee to have this account

What is a current account?

Created with Sketch.

A current account is a type of bank account

They are generally used for everyday spending, like buying something from a shop. You can also use one to receive money from others, like a parent or employer.

What you'll get...

Our teen bank account comes with

A contactless Visa Debit Card

Buy things in shops and online, and withdraw your cash from a cash machine.

Our Mobile Banking app

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

Interest on your balance

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

Apple Pay and Google Pay

Use your phone as a way to pay

Pay your mates with Paym

Paym lets you send cash to friends and family using their telephone number. Paym only available to aged 16+.

You can apply for a kids and teen account online

Can I apply myself?

If you’re 11-15, you’ll need a parent or guardian with you to open an account (note: your parent or guardian also needs to hold a current account with us.) If you’re 16-17, you can open this account online yourself.

How can I prepare?

We’ll need some details, such as your current address and contact information. If you have an ID, like a Provisional UK Driving License or Passport, have that to hand.

Wait - I'm under 11!

If you're under 11, we can't offer you a current account just yet. However, our First Saver savings account means you can start saving from 7 years old.

Get ready to apply

Before you apply, we need to check you're happy with a few things, and ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

  • are aged 11 - 17 and a UK resident
  • If you are aged 11-15, you’ll need to apply with a parent or guardian who has a current account

Now please take a look at the important legal info

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.

All okay? You’re nearly ready to start.

To speed up your application for our Adapt account, we need to do a few final checks with you. They'll only take a minute.

How old are you?
Great, make sure you have a parent or guardian with you now...
Next up, do we already know you (the applicant)? You're an existing customer if you have a children's savings (First Saver) account with us.
Is your parent or guardian a NatWest customer?
Does your parent or guardian know their NatWest Online Banking details?
They'll need these to help you begin your application.
Do you the child have any of the following photo proof of ID?
Please note that we can only accept your photo ID if it is in date and hasn’t expired. If it has expired or if you have a different form of ID to the ones shown below, please select ‘None of the above’ to continue. If your ID has expired, or if you possess a different form of ID to those below, please select 'None of the above' to continue.

or

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID - this must be either a Passport, EU/EEA ID card, PASS card or UK Provisional Driving Licence
  • A liveness check, a short video to compare to your photo ID 
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Your parent or guardian will need to login to Online Banking at the start of your application, so be sure they know their Online Banking customer number, PIN and password.

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, see here for the full list of documents we can accept
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement, utility bill or a letter from your school. See full list here.
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.
 

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

 

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their online banking details to hand, please return to this page to complete your Adapt account application.  

Do you (the child) know your Online Banking details?
By entering your details, we can pre-fill some of the application.
Is your parent or guardian a NatWest customer?
Does your parent or guardian know their NatWest Online Banking details?

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, like a Passport, birth certificate or PASS Card. Full list of documents we accept can be found here
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement, utility bill or a letter from your school. You can find the full list here

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

The next screen will ask you to log into Online Banking. Please ensure you use your own log in details rather than your parent or guardian's.

 

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.
 

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their online banking details to hand, please return to this page to complete your Adapt account application.  

Is your parent or guardian a NatWest customer?
Does your parent or guardian know their NatWest Online Banking details?

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, like a Passport, birth certificate or PASS Card. Full list of documents we accept can be found here.
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement, utility bill or a letter from your school. See full list here.

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.
 

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their online banking details to hand, please return to this page to complete your Adapt account application.  

Do we already know you (the applicant)?
If you already have a NatWest children's savings account (First Saver), you are an existing customer.
Do you have any of the following photo proof of IDs?
Please note that we can only accept your photo ID if it is in date and hasn’t expired. If it has expired or if you have a different form of ID to the ones shown below, please select ‘None of the above’ to continue. If your ID has expired, or if you possess a different form of ID to those below, please select 'None of the above' to continue

or

Do you have any of the following?
You can use any of the documents below but they must have your name and address on, and must match with the name and address you enter into your account online application. Unfortunately we can't accept a mobile phone bill, and they need to be physical documents you have to hand, not downloads.

or

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID, this must be either a Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or driving licence, or a PASS card
  • A Liveness check - a short video to compare to your photo ID
  • Proof of your address, such as a recent bank statement, driving licence, National Insurance confirmation letter or recent utility bill. Full list here
Is your parent or guardian a NatWest customer?
If they're nearby, we can use their details to help your application.
Do they know their NatWest Online Banking details?

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID, this must be either a Full or Provisional UK Driving Licence, EU/EEA ID card or driving licence, or a PASS card
  • A Liveness check - a short video to compare to your photo ID
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Your parent or guardian will need to login to Online Banking at the start of your application, so be sure they know their Online Banking customer number, PIN and password.

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.
 

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their online banking details to hand, please return to this page to complete your Adapt account application.  

Do you have any of the following?
You can use any of the documents below but they must have your name and address on, and must match with the name and address you enter into your account online application. Unfortunately we can't accept a mobile phone bill, and they need to be physical documents you have to hand, not downloads.

or

You're all set

Once you've finished the application, you’ll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, for example, Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or a PASS Card. See a full list of documents we can accept here
  • Proof of your address, such as a recent bank statement, National Insurance confirmation letter or a letter from your school or college. Full list here

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

Do you have a parent or guardian that is a NatWest customer?
If they're nearby, we can use their details to help your application.
Do they know their NatWest Online Banking details?

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, see here for the full list of documents we can accept
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statementutility bill or letter from your school. See full list here
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their online banking details to hand, please return to this page to complete your Adapt account application.  

Do you know your Online Banking details?
By entering your details, we can pre-fill some of the application.
Do you have any of the following photo proof of IDs?
Please note that we can only accept your photo ID if it is in date and hasn’t expired. If it has expired or if you have a different form of ID to the ones shown below, please select ‘None of the above’ to continue. If your ID has expired, or if you possess a different form of ID to those below, please select 'None of the above' to continue.

or

Do you have any of the following?
You can use any of the documents below but they must have your name and address on, and must match with the name and address you enter into your account online application. Unfortunately we can't accept a mobile phone bill, and they need to be physical documents you have to hand, not downloads.

or

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID, this must be either a Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or driving licence, or a PASS card
  • A Liveness check - a short video to compare to your photo ID
  • Proof of your address, such as a recent bank statement, National Insurance confirmation letter or recent utility bill. Full list here
Is your parent or guardian a NatWest customer?
Does your parent or guardian know their NatWest Online Banking details?

You're all set

Once you've finished the application, you’ll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Photo ID, such as a Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or driving licence, or a PASS card. See a full list of documents we can accept here
  • Proof of your address. Although you may not have this with you right now, it is something we'll need to see after the application. There are few options available for you

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

The next screen will ask you to log into Online Banking. Please ensure you use your own log in details rather than your parent or guardian's

 

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.
 

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their online banking details to hand, please return to this page to complete your Adapt account application.  

Is your parent or guardian a NatWest customer?
Does your parent or guardian know their NatWest Online Banking details?

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

Proof of ID, see here for the full list of documents we can accept

Proof of your address (with your name), like a recent bank statement, utility bill or a letter from your school. Full list here

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

The next screen will ask you to log into Online Banking. Please ensure you use your own log in details rather than your parent or guardian's.

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.
 

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their online banking details to hand, please return to this page to complete your Adapt account application.  

Do you have any of the following?
You can use any of the documents below but they must have your name and address on, and must match with the name and address you enter into your account online application. Unfortunately we can't accept a mobile phone bill, and they need to be physical documents you have to hand, not downloads.

or

You're all set

Once you've finished the application, you’ll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, for example, Passport, Full or Provisional UK Driving Licence, EU/EEA ID card or a PASS Card. See a full list of documents we can accept here.
  • Proof of your address, such as a recent bank statement, National Insurance confirmation letter or a letter from your school or college. See full list here.

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

Is your parent or guardian a NatWest customer?
Does your parent or guardian know their NatWest Online Banking details?
They'll need these to help you begin your application.

You're all set

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

Proof of ID, see here for the full list of documents we can accept

Proof of your address (with your name), like a recent bank statement, utility bill or a letter from your school. See full list here.

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register for NatWest Online Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.
 

What they'll need...

They'll need their bank account sort code and account number, and their NatWest debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their online banking details to hand, please return to this page to complete your Adapt account application.