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Adapt bank account

Open a child & teen bank account

This account is available to 11-17 year olds who are UK residents. 11-15s must apply with a parent or guardian who has a NatWest current account.
On this page
About our children's bank account
Managing your account
How to apply for a kid's bank account online
Ready to apply

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 2.70% AER / 2.67% 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

View your bank account on the go

View your accounts, your balance and check recent transactions (things you’ve spent money on) and transfer money between your own accounts.

Get Cash without your debit card

Withdraw up to £130 every 24 hours from our branded ATMs, as long as it's within your daily withdrawal limit. You must have at least £10 available in your account and your debit card must be active.

Freeze and unfreeze your debit card

If you've misplaced your debit card, you can lock it until you find it. Card been lost, stolen, damaged? The quickest way to report this is with our app.

Pay in cheques securely

Use your camera to deposit cheques 24/7 using our mobile app. This feature allows you to pay in up to £750 per day. It's simple, secure and saves you a trip to the branch. Limits apply.

App available to customers aged 11+ with a compatible iOS and Android devices and a UK or international mobile number in specific countries.

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

11 to 15 years old?

You can open an Adapt account online for your child if they’re aged between 11–15. Keep in mind you’ll need to already hold a bank account with us.

16 or 17 years old?

If your child is 16 or 17 years old, they can open an account online themselves.

What do I need to get started?

Applying is really straightforward, all we need are some details from you including your child’s current address and an official ID document for them, like a passport or driving license.

What if my child is under 11?

If you're under 11, we can't offer you a current account just yet. However, our parent-managed pocket money app and card for kids aged between three and 17 might be a better fit.
More on Rooster

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

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet, and you're happy to view bank statements online, instead of them being posted to you. Please take some time to review, print and/or save the important information

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. 

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

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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 (and if required name change documents) 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.

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Do you the child have any of the following?
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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 (and if required name change documents) 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.

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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 (and if required name change documents) 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.

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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.

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Register for Online Banking

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.

View current accounts
Is your parent or guardian a NatWest customer?
Previous
Next
Does your parent or guardian know their NatWest Online Banking details?
Previous
Next
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

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Next