Teen banking

Our Adapt bank account for teens and kids

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.

Aged 16 or 17 and want to open a bank account?

Our Adapt current account is a teen and kids bank account that has no regular fees.

  • Use our mobile banking app to manage your account 24/7.
  • Freeze and unfreeze your bank card for teens and kids using the app.
  • Make contactless payments with Apple Pay and Google Pay™on your phone.
  • Take cash out without your debit card. Criteria and limits apply.
  • Earn interest on your balance.

Benefits that come with our Adapt bank account for teen and kids

Our mobile banking app

Contactless MasterCard debit card

Financial wellbeing with NatWest Thrive

Want to apply for our Adapt teen and kids account?

Great. Now it's time to review the important information about the account to make sure it's right for you at the next step.

FAQs for teenagers opening a bank account

The next step: Bank accounts for older teens

Our student bank account

Our Student bank account comes with:

  • A four-year tastecard. Offer T&Cs apply.
  • Up to £2,000 Interest-free arranged overdraft from year one (limited to £500 in your first term).  
  • You can apply for up to £3,250 interest free from year three onwards.  

Eligibility criteria, fees and charges may apply.

Overdraft subject to eligibility. 18+.

Our Select current account

  • No hassle: easy to set up, simple to use, and zero monthly fee.
  • Save the change: watch the pennies add up (and up and up) with Round Ups and a linked instant access savings account. Criteria applies.
  • Get closer to your dreams: monitor your progress with spend tracking and budgeting in the mobile app.

Must be 18+ UK resident to apply.

Start saving for your #lifegoals

  • From your next set of wheels, a holiday with your mates or your first home, we could have a savings account for you.
  • Whether you're new to saving or have been putting your pocket money away since you were little, we have a range of savings options.

Eligibility criteria, fees and charges may apply.

NatWest Thrive

NatWest Thrive with Marcus Rashford is a movement to help young people develop the self-belief, confidence and skills to achieve what they want.