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Your Adapt account

Want to learn more about what you can do with your account?                                  We want to make to make the way you bank and spend money as simple as possible, so we’ve gathered all the information about the features of your Adapt account, in one place.

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.

Make banking simple with our mobile app

Lock and Unlock your card

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

If you leave your card at home you can withdraw up to £130 every 24 hours from our branded ATMs. You must have at least £10 available in your account and an active debit card. Simply log in to your app and click on the “Get Cash” icon - you’ll find it at the bottom of the app home screen.

Pay in cheques securely

Just take a photo of the front and back of the cheque using our app and the money will be paid into your account.

Limits apply.

Download the NatWest app

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. A link will pop up, tap this, and you’ll be taken straight to download the app.

 

QR code not working? 

Don’t worry, you can still download the app by following these instructions:

  1. On your mobile or tablet, go to the App Store if using Apple or Google Play if using Android.
  2. Search for 'NatWest Mobile Banking'.
  3. Tap to download the app.

Get the app

Experience easy, quick, secure banking with the NatWest banking app

Get the app

Experience easy, quick, secure banking with the NatWest banking app

Activate your card

How to activate your card.

If you're new to NatWest, we'll post your contactless debit card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how to activate it.

If you're already a NatWest customer and have recently changed your account, there's no need to activate. You get to keep your existing card and PIN. 

If your existing card is not contactless and you have an eligible account, you can request a new card, giving you a quick and simple way to make purchases. Retailer limits apply. 

Set up your digital wallet

Just add your debit or credit card to digital wallet - Apple Pay or Google Pay™ on your phone for an easy and secure way to pay. Apple Pay and Google Pay are available on selected devices. Retailer limits may apply.

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Apple Pay and Google Pay only available to customers aged 13+ with compatible iOS and Android devices.

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Apple Pay

Find out how to set up Apple Pay so you can make payments using your Apple device.

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Google Pay logo

Google Pay

Find out how to set up Google Pay so you can make payments using your Google device.

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Interest rate

Earn 2.70% AER/ 2.67% Gross p.a. (variable) interest on your balance

You’ll earn interest on everything you pay into this account. Interest is when your money earns money. So, if you put £100 in your account at the start of the year and don’t touch  it, with 2.70% AER p.a. (variable) you’d earn £2.70 interest. In other words, you get a bit of extra money, just for keeping money in your account. 

Interest is calculated daily and paid monthly.

Gross – this means the interest rate you’re paid without the deduction of UK income tax.

AER – stands for Annual Equivalent Rate. It shows you what the rate would be if interest was paid and compounded each year.

Card information

Take a peek into how to manage your account

Ways to pay

Contactless payment

Use contactless for an easy and safe way to pay for all those everyday items. Limits apply.

Apple & Google Pay

Just add your debit or credit card to your digital wallet - Apple Pay and Google Pay are available on selected devices. Retailer limits may apply. Available to customers aged 13+

Make a transfer or a payment

You can make payments or transfers on the go using our mobile app or Online Banking. Limits apply.

Standing orders and direct debits

Make regular payments to clubs, gyms or other companies using standing orders or direct debits

Account T&C's

Current account terms, rates and charges

Mobile and Online Banking

4 reasons why you should use our mobile app

View your balance and statements anytime

Make payments to your saved payees (limits apply, aged 16+ only)

Pay someone new without a card reader (limits apply, aged 16+ only) 

Transfer money between your accounts 

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Online Banking is a secure, easy to use and convenient way to manage your account

View your balance

Make payments

Transfer money between your accounts

Set up and go paperless

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Maturity account options 

Direct Debits

Direct Debits

Direct debits give a company permission to take money from your bank account on an agreed date. They’ll need to notify you of a change to the amount or date. For example, you might use a Direct Debit to pay for your gym membership or to your school for meals or trips.

Standing Orders

Standing Orders

You tell us (the bank) to pay an exact amount to another account regularly. For example, you might set up a Standing Order to put money in a savings account or make a regular payment to a friend or family member.

Other useful stuff

Other useful stuff

There is other information that you might find handy about Direct Debits and Standing Orders.

The next step: Bank accounts for older teens

Marcus Rashford

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+.

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Students studying

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.

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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.

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Build money confidence

Marcus Rashford

NatWest Thrive

Let’s make your kids’ dreams come true. NatWest Thrive with Marcus Rashford is a movement to help young people develop the self-belief, confidence and skills to achieve what they want.

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Students studying

MoneySense

Money skills could equip your child for life. MoneySense is here to give you all the help, know-how and inspiration you need with money games, banking guidance and app know-how.

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Rooster Run

Try out our digital game, Rooster Run and discover the world of NatWest Rooster Money. 

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Tips for parents

Is your child ready for a Smart Phone?

Many parents wonder whether the time is right to give their child a mobile phone for safety and socialising. We’ve teamed up with family psychologist, Dr Martha who shares her top tips to help you decide.

Is your child ready to walk to school solo?

When it comes to walking home solo after school, it can be difficult as a parent to reach a decision. We explore if there's a legal minimum age in the UK to walk alone after school and offer some tips to help build independence for both children and parents.

Something else we can help you with?