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Kids' & teen bank account

A gift card worth £1,000 could be yours

Open a fee-free Adapt account for your child or teen and enjoy a debit card, access to our app, and a chance to win one of over 100 other prizes.

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. Prize draw T&Cs apply.

Our youth account terms and conditions are changing from 01 October. Find out more.

Key features to consider with our kids & teen bank account

Fee-free. No monthly fee on this kids and teen bank account.

Interest payments. Earn 1.60% AER, 1.59% Gross p.a. (variable) interest on balances. Interest is calculated daily and paid monthly.

Easy tracking in our app. Pay your mates (ages 13+), freeze your debit card, and check balances on the go.

Parental peace of mind. Our child and teen bank account has no overdraft.  And it’s protected by the Financial Services Compensation Scheme.

Pay with your phone. Easily pay via Apple Pay and Google Pay™ (ages 13+).

Chance to win one of over 100 gift card prizes. Up to £1,000. See full details of how to enter.

App eligibility criteria apply. Prize draw T&Cs apply.

A little more control at their fingertips

Here are some handy ways to manage your Adapt account via our mobile app.

Information Message

App eligibility criteria apply. For Get Cash without your debit card you must have at least £10 available in your account and debit card must be active.

 

View your under 18 bank account on the go

Check your balance and transactions (things you've spent money on).

Freeze and unfreeze your debit card

If you misplace your debit card, you can lock it until you find it or report it lost or stolen.

Get Cash without your debit card

Get up to £130 every 24 hours from our cash machines, so long as it’s within your daily withdrawal limit.

Pay in cheques securely

Use your camera to deposit cheques 24/7 via our mobile app. Limits apply.

A little more control at their fingertips

Here are some handy ways to manage your Adapt account via our mobile app.

App eligibility criteria apply. For Get Cash without your debit card you must have at least £10 available in your account and debit card must be active.

 

View your under 18 bank account on the go

Check your balance and transactions (things you've spent money on).

Freeze and unfreeze your debit card

If you misplace your debit card, you can lock it until you find it or report it lost or stolen.

Get Cash without your debit card

Get up to £130 every 24 hours from our cash machines, so long as it’s within your daily withdrawal limit.

Pay in cheques securely

Use your camera to deposit cheques 24/7 via our mobile app. Limits apply.

Pay smarter and earn bigger with Adapt

Contactless debit card for kids & teens

Buy things in shops and online with a teen and kids bank card. You can take money out of a cash machine too.

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.

Earn interest on your balance

You’ll earn interest on everything you pay into your Adapt bank account for teens and kids.

A £1,000 gift card could be yours

Apply for an Adapt account by 17th August and have it opened by 31st August and you'll be automatically entered into the prize draw.

After the draw closes, winners will be picked randomly and emailed at the address used when applying. The email will contain a code, which you can exchange for a gift card of your choice, from a wide selection available.

Adapt Prize Draw 2026 Terms and Conditions (PDF, 187KB)

Information Message

One entry per account opened. One prize per entry. Total of 109 prizes, awarded in the order drawn.

Top prize of a £1,000 gift card

Eight prizes of a £500 gift card

A hundred prizes of a £100 gift card

How to open a bank account for a child or teen

Parent or guardian? You can only apply for a NatWest Adapt account if you already bank with us. If you’re a teen aged 16-17, you can open the account yourself. Take a look at these guides for parents/guardians who are existing customers, new parent/guardian customers and teens.

Information Message

To apply for a current account, parents or guardians must be 18+ and UK resident.

Parent/guardian: existing NatWest customer

  1. As a parent or guardian, you can apply online for an under 18 bank account.
  2. Your child or teen will need to provide proof of ID (like a passport), plus proof of their current address if they don’t live at the same address as you. 
  3. Once you’ve applied for our bank account for teens and kids, you’ll get an instant decision. However, if we need more details from you, it can take around 5 working days for the account to be up and running.
Information Message

Parent/guardian: new NatWest customer

  1. To open a child’s bank account as a parent or guardian, you’ll need to have an existing bank account with us. If you don’t already, you can review our accounts and apply here.
  2. Once your bank account is open, you can apply for your child’s account. Just log in and then get your child to fill in their details. We’ll ask to see their ID to check it’s them. If they don’t live with you, we’ll also ask for proof of their address.

Looking for another kids card option instead? Take a look at our NatWest Rooster Money card. For kids aged 6-17. Eligibility criteria and T&Cs apply. Fees may apply depending on card selection.

Information Message

Teen aged 16-17: how to open the account yourself

  1. If you’re 16-17, you can apply for your own teen bank account. 
  2. You’ll need your ID to apply online. If you don’t have an ID, you can still get an account, but you’ll need to apply with a parent or guardian who has a bank account with us.

When it comes to bank accounts for 11 to 15-year-olds, your parent or guardian must have or open an account with us to get one for you.

Information Message

Get ready to apply

Please take your time to read the product information and make sure this Adapt account is right for you.

Before you apply for our under 18 bank account, we need to check you’re happy with a few things, and ask 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

Now please take a look at the important legal info:

Open an Adapt account and get the chance to win a gift card worth up to £1,000. You're automatically entered into the draw. See the Terms and Conditions below to learn more.

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Online Banking - not posted. 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.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

All okay? Apply for your Adapt account today

We'll ask you a couple of questions to get you started.
It'll only take a minute.

Note: If your parent or guardian is opening another Adapt account, you won’t be able to apply until that account is opened.

Continue
How old are you?
Previous
Next
Does your parent or guardian have an account with us?
Previous
Next
Do you have any Photo ID?
This is your Photo ID and not your parent or guardian's. It must be in date.

or

Previous
Next
Does your parent or guardian have our mobile app?
Previous
Next

Great, let’s get you started

We'll ask your parent/guardian to log in to their mobile banking app. They just need to confirm their details and then it's over to you to complete the application. 

Once you’re done, we’ll ask our partners Mitek to do a quick ID check on you.

You’ll need:

  • A Photo ID
    This can be a Passport,  Driving Licence (full or provisional), PASS card, or an ID card from an EU or EEA country.
  • A liveness check
    We’ll ask you to take a selfie to compare you to your Photo ID. You'll need a device with a camera to upload these.

We may also ask for:

 

Parents or Guardian

We'll ask you to log in to your app and confirm your identity before we launch the application. Check that you've logged out of the app before handing the device back to your child.

Previous

Apply using a mobile or tablet

Scan the QR code on the device that your parent or guardian has their app on. You’ll then be able to apply in a flash.

Previous

You need our app to continue

Your parent/guardian will need to download and set up the app. It won’t take long to do.

They’ll just need their:

  • Online Banking PIN and password
  • Mobile phone so we can send a one-time passcode
Previous
Get app
Do you have a UK birth or adoption certificate?
We can use this to identify you
Previous
Next
Does your parent or guardian have our mobile app?
Previous
Next

Great, let’s get you started

We'll ask your parent or guardian to log in to their mobile banking app. They just need to confirm their details and then it's over to you to complete the application. 

Once you're done, we’ll ask your parent or guardian to either pop into a branch or post us the following info:
 

 

Parents or Guardian

We'll ask you to log in to your app and confirm your identity before we launch the application. Check that you've logged out of the app before handing the device back to your child.

Previous

Apply using a mobile or tablet

Scan the QR code on the device that your parent or guardian has their app on. You’ll then be able to apply in a flash.

Previous

You need our app to continue

Your parent/guardian will need to download and set up the app. It won’t take long to do.

They’ll just need their:

  • Online Banking PIN and password
  • Mobile phone so we can send a one-time passcode
Previous
Get app

You need ID to open your account online

If you don’t have a Photo ID, we’ll need to see your birth or adoption certificate. You can get a copy of your certificate from:
 

  • England and Wales:
    The General Register Office
  • Scotland: 
    The National Records of Scotland
  • Northern Ireland:
    The General Register Office for Northern Ireland
Previous

Your parent/guardian must have a NatWest current account

Oops, we can't go on with your application just yet because we need your parent or guardian to have an account with us. Fancy having them join NatWest? They can check out our account options below. 

After they've opened their account and got their Online Banking sorted, just pop back here to finish off your Adapt account application. 

Eligibility conditions & criteria apply.

Previous
View current accounts
Do you have any Photo ID?
Your ID needs to be in date and have your name on it

or

Previous
Next
Do you have a proof of address?
It must show your name and address. We can’t accept mobile phone bills or downloaded copies of letters.

or

Previous
Next

Great, let’s get you started

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

  • Photo ID
    This can be your Passport, a UK Driving Licence (full or provisional), or an ID card or driving licence from an EU or EEA country.
  • A Liveness check
    A selfie to compare to your Photo ID. You'll need a device with a camera to upload these.
  • Proof of your address
    We may need to check your address is right, you can find out which proofs of address we accept (opens in new tab). 
Previous
Does your parent or guardian have an account with us?
Previous
Next
Does your parent or guardian have our mobile app?
Previous
Next

Great, let’s get you started

We'll ask your parent/guardian to log in to their mobile banking app. They just need to confirm their details and then it's over to you to complete the application. 

Once you’re done, we’ll ask our partners Mitek to do a quick ID check on you.

You’ll need:

  • A Photo ID
    This can be a Passport,  Driving Licence (full or provisional), PASS card, or an ID card from an EU or EEA country.
  • A liveness check
    We’ll ask you to take a selfie to compare you to your Photo ID. You'll need a device with a camera to upload these.

We may also ask for:

 

Parents or Guardian

We'll ask you to log in to your app and confirm your identity before we launch the application. Check that you've logged out of the app before handing the device back to your child.

Previous

Apply using a mobile or tablet

Scan the QR code on the device that your parent or guardian has their app on. You’ll then be able to apply in a flash.

Previous

You need our app to continue

Your parent/guardian will need to download and set up the app. It won’t take long to do.

They’ll just need their:

  • Online Banking PIN and password
  • Mobile phone so we can send a one-time passcode
Previous
Get app

You must prove your address and identity

Sorry, you can't apply for an account because we need you to prove your identity and address. 

No worries if you can't do this. You can apply with a parent/guardian if they have a NatWest current account. 

If they don't have one yet, follow the link below to show them our current account range. 

Once they've applied, got their welcome email and their Online Banking details, come back here to continue your account application. Simple!

Eligibility criteria & conditions apply. 

Previous
View current accounts
Does your parent or guardian have an account with us?
Previous
Next
Do you have a UK birth or adoption certificate?
We can use this to identify you
Previous
Next
Does your parent or guardian have our mobile app?
Previous
Next

Great, let’s get you started

We'll ask your parent or guardian to log in to their mobile banking app. They just need to confirm their details and then it's over to you to complete the application. 

Once you're done, we’ll ask your parent or guardian to either pop into a branch or post us the following info:
 

 

Parents or Guardian

We'll ask you to log in to your app and confirm your identity before we launch the application. Check that you've logged out of the app before handing the device back to your child.

Previous

Apply using a mobile or tablet

Scan the QR code on the device that your parent or guardian has their app on. You’ll then be able to apply in a flash.

Previous

You need our app to continue

Your parent/guardian will need to download and set up the app. It won’t take long to do.

They’ll just need their:

  • Online Banking PIN and password
  • Mobile phone so we can send a one-time passcode
Previous
Get app

You need ID to open your account online

If you don’t have a Photo ID, we’ll need to see your birth or adoption certificate. You can get a copy of your certificate from:
 

  • England and Wales:
    The General Register Office
  • Scotland: 
    The National Records of Scotland
  • Northern Ireland:
    The General Register Office for Northern Ireland
Previous

You must prove your address and identity

Sorry, you can't apply for an account because we need you to prove your identity and address. 

No worries if you can't do this. You can apply with a parent/guardian if they have a NatWest current account. 

If they don't have one yet, follow the link below to show them our current account range. 

Once they've applied, got their welcome email and their Online Banking details, come back here to continue your account application. Simple!

Eligibility criteria & conditions apply. 

Previous
View current accounts

FAQs about the Adapt teen and kids' bank account

The bank for all ages

Information Message

Eligibility criteria, fees and charges may apply.

Children

Rooster Money

The pocket money app that gets children aged 3-17 comfortable with money (while you're still in control).

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View Rooster Money Open in new window

Teens

Adapt account

Build financial independence for kids aged 11-17 with a kids and teens bank account that earns interest.

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Adults

Current accounts

Watch them soar as they graduate to their adult accounts and make important financial decisions.

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View adult accounts Open in new window

Grow their money confidence

NatWest Thrive helps kids and teens develop self-belief, confidence and positive money-mindsets for the future.

Start to Thrive Open in new window