Existing customers

Get the most from your Child account

My Child account

We want to make your financial life as simple as possible, so we’ve gathered all the information for your Child account, also known as an Adapt account, in one place.

The Child account is for 11 to 18-year-olds.

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. 

Other useful stuff

Other useful stuff

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

Earn 1.00% 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 had £100 in your account, 1.00% interest would be £1.00. In other words, you get a bit of extra money, just for keeping money in your account. 

What you should know

Interest is calculated daily and paid monthly.



AER/Gross p.a. (variable)




Annual Equivalent Rate (AER) This is a notional rate used for interest bearing accounts which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.

Gross Rate This means the interest rate you are paid before the deduction of basic rate income tax.

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Mobile and Online banking

5 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 

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


Something else we can help you with?