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Adapt

  • Open an Adapt account and get a £20 gift card.
  • Contactless debit card to make purchases online, in shops and to withdraw cash. Limits apply.
  • Get interest on your balance and manage your money on the go with our safe, easy to use mobile banking app.

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. Offer T&Cs and restrictions apply.

A £20 gift card could be yours

  • Open an Adapt account.
  • We’ll email and text you a £20 gift card code within 30 days of your account being opened.
  • Redeem the code for the gift card you want, with 40+ options to choose from - including the One4all Gift Card.

 

Available to those who open an Adapt account from 24th August 2026. Existing Adapt account holders are not eligible. This offer may be changed, replaced or withdrawn at any time.

Adapt Gift Card Terms and Conditions 2026 (PDF, 242KB) Open in new window
Information Message

The One4all Gift Card is issued by GVS Prepaid Limited. GVS Prepaid Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 (register reference 900230) for the issuing of electronic money. GVSP26097

Earning interest on your account

Interest is when your money earns money. So, if you had £100 in your account, 1% interest would be £1.00. In other words, you get a bit of extra money, just for keeping money in your account. Sweet.

 

Interest is calculated daily and paid monthly.

Balance AER/Gross p.a (variable)
Any amount 1.60% / 1.59%

Important information

Open an Adapt account and get a £20 gift card. See the Terms and Conditions below to learn more.

Information Message

By continuing you're confirming you've been provided with, and have acknowledged our important documents, including the FSCS information sheet.

All okay? Apply for your account today

Before you start, we'll ask you a couple of questions to get you to the right place. It'll only take a minute.
Continue
Who is the account for?
Continue
Previous question
Does your child have a Photo ID?
This could be: a Passport, a UK Provisional Driving Licence, a PASS card or an ID card from an EU or EEA country
If they don’t have a Photo ID or it’s expired you’ll need to select ‘No’.
Continue
Previous question

Great. Let’s get you started

We'll ask you to log into your Online Banking, before passing over to your child to fill in their details.

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

You’ll need:

  • Your child’s Photo ID
    This can be a Passport, a Driving Licence (full or provisional), an ID card from the EU/EEA or a PASS card.
  • A liveness check of your child
    We’ll ask them to take a short video to compare with their Photo ID.

We may also ask for:

Do you have their UK birth or adoption certificate?
Continue
Previous question

Great. Let’s get you started

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

You need ID to open this account online

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

  • England and Wales:
    The General Register Office 
  • Scotland:
    The National Records of Scotland
  • Northern Ireland:
    The General Register Office for Northern Ireland.
Does your child have a Photo ID?
This could be: a Passport, a UK Driving Licence (full or provisional), a PASS card or an ID card from an EU or EEA country
If they don’t have a Photo ID or it’s expired you’ll need to select ‘No’.
Continue
Previous question

Great. Let’s get you started

We'll ask you to log into your Online Banking, before passing over to your child to fill in their details.

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

You’ll need:

  • Your child’s Photo ID
    This can be a Passport, a Driving Licence (full or provisional), an ID card from the EU/EEA or a PASS card.
  • A liveness check of your child
    We’ll ask them to take a short video to compare with their Photo ID.

We may also ask for:

Do you have their UK birth or adoption certificate?
Continue
Previous question

Great. Let’s get you started

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

You need ID to open this account online

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

  • England and Wales:
    The General Register Office 
  • Scotland:
    The National Records of Scotland
  • Northern Ireland:
    The General Register Office for Northern Ireland.
Do you have any of the following Photo IDs?
A Passport, a UK Driving Licence (full or provisional), a PASS card or an ID card from an EU or EEA country
If you don’t have a Photo ID or it’s expired you’ll need to select ‘No’.
Continue
Previous question

Great. Let’s get you started

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

  • Your Photo ID
    This can be a Passport, a Driving Licence (full or provisional), an ID card from the EU/EEA or a PASS card.
  • A liveness check
    We’ll ask you to take a short video to compare you to your Photo ID.

We may also ask for:

You need a Photo ID to open this account

We need to make sure it’s you opening this account so need to see one of the following Photo IDs:

  • A passport, you can apply for one on gov.uk
  • A provisional UK Driving Licence, you can apply for one on gov.uk
  • A PASS card
  • An ID card from an EU or EEA country 

We may also ask for:

  • Proof of your address 

Need an account now?

A parent or guardian can start an application for you. They just need to have a bank account with us and have Online Banking set up. 

We’ll also need your birth or adoption certificate.

Explore other Kids and Teens Accounts Open in new window
Visit our Current Account hub Open in new window
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