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Adapt bank account

Open a child & teen bank account

Why choose our under 18's bank account?

 

You won't have to pay any regular set fee to have this account.

Buy things in shops or online, and withdraw cash with your contactless debit card.

Works with Apple Pay and Google Pay™.

Earn 1.00 % AER / Gross p.a. (variable) interest on your balance.

Manage your account wherever, whenever with our mobile banking app.

Make banking simple with our mobile app

Managing your account

Ways to pay

Contactless debit card

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

Apple Pay and Google Pay

Pay for things easily using your phone when you're out and about.

Make regular payments

Set up Direct Debits and Standing Orders to pay regular bills, like a gym membership.

Interest

Earn interest on your balance

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

How to open our bank account for teens

Open a child's bank account online - FAQs

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
  • Note: If you are aged 11-15, you’ll need to apply with a parent or guardian who has a NatWest current account
  • Note: If you are aged 16-17 and aren't able to prove your identity and address with your own documents, you'll also need to apply with a parent or guardian who has a NatWest current account.
  • Note: Only one application can be running at a time. 

 

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.

Please note - If you already have an application for a children's account in progress, you won't be able to make any new applications until your account is opened. 

How old are you?
Is your parent or guardian a NatWest customer?
Does your parent or guardian know their 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.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

Do you the child have any of the following?

You're all set

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

  • UK birth or adoption certificate
  • 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 number, PIN and password.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

You're all set

Once you've finished the application, you'll need to provide us with a few more bits of information 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.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

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 must hold a current account with us

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing NatWest 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.  

Eligibility conditions & criteria apply.

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

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 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.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

Do you the child have any of the following?

You're all set

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

  • UK birth or adoption certificate
  • 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 number, PIN and password.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

You're all set

Once you've finished the application, you'll need to provide us with a few more bits of information 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.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

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.

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 the 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

Do you know your Online Banking details?
By entering some of your details, we can pre-fill some of the application.

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

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

Your parent or guardian must hold a current account with us

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing NatWest 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.  

Eligibility conditions & criteria apply.

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 the 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 a Passport, Full or Provisional UK Driving License, 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.

Your parent or guardian must hold a current account with us

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing NatWest 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.  

Eligibility conditions & criteria apply.

Not quite ready?

If they’re just getting started, our parent-managed pocket money app and card for kids aged between three and 17 might be a better fit.

A pocket money app managed by parents

A current account is a big responsibility. So if your child's not quite ready for that yet, you can still get them started on the right foot with NatWest Rooster Money. That way, they could hit all the key milestones on their journey to financial confidence, with your guidance. 
 
  • Parental controls and oversight so they can learn how to spend responsibly.
  • Virtual money tracker: for keeping an eye on spending for free. For ages three to 17.
  • Rooster PLUS: for kids aged five to 17, 99p per month.
  • Rooster Card: a pre-paid debit card for kids aged six to 17. Free for 12 months if a parent is a NatWest current account holder. It’s usually £1.99 a month or £19.99 per year. Eligibility criteria apply. 

Other ways we can help

Teaching kids about money

Wondering where to start when it comes to teaching kids about money? Our guide can be a great place to start.

Free financial education

MoneySense is our free programme where kids, parents and even teachers can learn about money. It’s full of activities, games and articles to make learning fun.

Invest for the future

If you’re looking to invest money for your kid’s future, a junior ISA could be a good option. Money is invested which means it could grow more than in a normal bank account. The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.