What Is An Adapt Account?

This blog post will explain what an Adapt Account is, how it is different from a normal bank account, and the features that an Adapt Account offers; as well as guide how you can open an Adapt Account.

What Is An Adapt Account?

An Adapt Account is a bank account for children and young people aged between 11 to 17 years in the United Kingdom. There are a number of these accounts available from different banks. They typically offer features such as a debit card, and the ability to transfer money and make payments online. Some of them also have mobile apps that children can use.

The main difference between an Adapt Account and a normal bank account is that the former is specifically designed for children and young people. This means that the account is run by the parent or guardian, who can set limits on how much money can be withdrawn, deposited or spent.

There are many benefits to having an Adapt Account. Firstly, it teaches children and young people how to manage their money. Secondly, it helps them to develop good financial habits from an early age. Finally, it can help them to avoid getting into debt later on in life.

If you are thinking of opening an Adapt Account for your child or teenager, then there are a few things to consider. Firstly, you need to decide which bank you want to use. 

Secondly, you need to think about what features you want the account to have. For example, some adapt accounts offer a mobile app that children can use to monitor their balance and make payments. Others come with a debit card that can be used for online shopping or to withdraw cash from an ATM.

Finally, since some of the leading banks in the UK such as Natwest, Barclays, Halifax and HSBC offer Adapt Accounts, parents who have their personal accounts with them will find it easier to open an Adapt Account for their children.

What Features Does An Adapt Account Offer?

In addition to providing a savings and financial management platform for young people, Adapt Accounts offer several banking features. Features offered by the Royal Bank of Scotland include the following:

  • Contactless Debit Card for cash withdrawals, in-shop purchases and online shopping
  • Convenient mobile banking application to manage one’s money on the go
  • Interest on account balance
  • Ability to use Apple Pay and Google Pay™ to make purchases with your phone
  • Zero monthly fee

How Can You Open An Adapt Account?

To open an Adapt Account, the potential account holder should meet the following conditions:

  • be a permanent resident of the UK
  • be aged between 11 to 17 years

Applicants who are aged between 11 to 15 years of age will need their parent’s or guardian’s assistance in opening an account. Their parents or guardians will also need to have an account with the bank where they intend to open an Adapt Account.

However, applicants who are 16 to 17 years old can apply for an Adapt Account online by themselves. They will need to prove their identity and address.

If you intend to open an Adapt Account with Barclays, you can choose to apply online through a video call if a parent or guardian holds a bank account with them. Otherwise, you can visit their nearest branch for details regarding the application process.


The above article has clearly outlined that an Adapt Account is a bank account that parents or guardians can establish for young children and teenagers. Most of the leading banks in the UK offer Adapt Accounts for customers holding a regular bank account with them.


Adapt Account – Young People | Ulster Bank

Child and Teen Bank Account | Kids Debit Card | NatWest