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Adapt bank account

Open a child & teen bank account

This account is available to 11-17 year olds who are UK residents. 11-15s must apply with a parent or guardian who has an Ulster Bank current account.

On this page
About our children's bank account
Managing your account
How to apply for a kid's bank account online
Ready to apply

Why choose our under 18's bank account?

 

You won't have to pay any regular set fee to have this account.

Buy things in shops or online, and withdraw cash with your contactless debit card.

Works with Apple Pay and Google Pay™.

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

Manage your account wherever, whenever with our mobile banking app.

App available to customers aged 11+ with a compatible iOS and Android devices and a UK or international mobile number in specific countries.
Apple Pay is available on selected Apple devices. You must be aged 13+ to use this service. Google Pay is available on selected Android devices. You must be aged 13+ to use this service. Retailer limits may apply.

Make banking simple with our mobile 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 debit card

Withdraw up to £130 every 24 hours from our branded ATMs, as long as it's within your daily withdrawal limit. You must have at least £10 available in your account and your debit card must be active.

Freeze and unfreeze your debit card

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

Pay in cheques securely

Use your camera to deposit cheques 24/7 using our mobile app. This feature allows you to pay in up to £750 per day. It's simple, secure and saves you a trip to the branch. Limits apply.

App available to customers aged 11+ with a compatible iOS and Android devices and a UK or international mobile number in specific countries.

Managing your account

Ways to pay

Contactless debit card

Buy things in shops and online, and withdraw your cash from a cash machine.

Apple Pay and Google Pay

Pay for things easily using your phone when you're out and about.

Make regular payments

Set up Direct Debits and Standing Orders to pay regular bills, like a gym membership.

Interest

Earn interest on your balance

You’ll earn interest on everything you pay into this account.

How to open our bank account for teens

11 to 15 years old?

You can open an Adapt account online for your child if they’re aged between 11–15. Keep in mind you’ll need to already hold a bank account with us.

16 or 17 years old?

If your child is 16 or 17 years old, they can open an account online themselves.

What do I need to get started?

Applying is really straightforward, all we need are some details from you including your child’s current address and an official ID document for them, like a passport or driving license.

What if my child is under 11?

If you're under 11, we can't offer you a current account just yet. However, our parent-managed pocket money app and card for kids aged between three and 17 might be a better fit.
More on Rooster

Open a child's bank account online - FAQs

Get ready to apply

Before you apply, we need to check you're happy with a few things, and ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

are aged 11 - 17 and a UK resident

Note: If you are aged 11-15, you'll need to apply with a parent or guardian who has an Ulster Bank current account

Note: If you are aged 16-17 and aren't able to prove your identity and address with your own documents, you'll also need to apply with a parent or guardian who has a current account.

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet, and you're happy to view bank statements online, instead of them being posted to you. Please take some time to review, print and/or save the important information

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

All okay? You’re nearly ready to start.

To speed up your application for our Adapt account, we need to do a few final checks with you. They'll only take a minute.

Continue
How old are you?
Previous
Next
Are you an existing Ulster Bank customer?
Previous
Next
Is your parent or guardian an Ulster Bank customer?
Previous
Next
Does your parent or guardian know their Ulster Bank Anytime Banking details?
Previous
Next
Do you, the child, know your Anytime Banking details
You will need your customer number to begin the application.
Previous
Next

You're all set

You will need your customer number to continue. We'll also need to see a few bits of info in one of our branches after the application to open your account:

  • Proof of ID, like a passport or birth certificate 
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement or utility bill
  • Proof of relationship (and if required name change documents) with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

The next screen will ask you to log into Anytime Banking. Please ensure you use your own login details rather than your parent or guardian's.

Previous

You're all set

You will need your existing bank account details to proceed. We'll also need to see a few bits of info in one of our branches after the application to open your account:

  • Proof of ID, like a passport or birth certificate 
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement or utility bill
  • Proof of relationship (and if required name change documents) with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous

Ask your parent or guardian to register for Anytime Banking

To help kick-start your application, we'll need them to register for Ulster Bank Anytime Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.

 

What they'll need...

They'll need their bank account sort code and account number, and their Ulster Bank debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Register for Anytime Banking

Your parent/guardian must have an Ulster Bank current account

Oops, we can't go on with your application just yet because we need your parent or guardian to have an account with us. Fancy having them join Ulster Bank? They can check out our account options below. 

After they've opened their account and got their digital banking sorted, just pop back here to finish off your Adapt account application. 

Eligibility conditions & criteria apply.

Previous
View current accounts
Is your parent or guardian an Ulster Bank customer?
Previous
Next
Does your parent or guardian know their Ulster Bank Anytime Banking details?
Previous
Next

You're all set

We'll need to see a few bits of info in one of our branches after the application to open your account:

  • Proof of ID, like a passport or birth certificate 
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement or utility bill
  • Proof of relationship (and if required name change documents) with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous

Ask your parent or guardian to register for Anytime Banking

To help kick-start your application, we'll need them to register for Ulster Bank Anytime Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.

 

What they'll need...

They'll need their bank account sort code and account number, and their Ulster Bank debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Register for Anytime Banking

Your parent/guardian must have an Ulster Bank current account

Oops, we can't go on with your application just yet because we need your parent or guardian to have an account with us. Fancy having them join Ulster Bank? They can check out our account options below. 

After they've opened their account and got their digital banking sorted, just pop back here to finish off your Adapt account application. 

Eligibility conditions & criteria apply.

Previous
View current accounts
Are you an existing Ulster Bank customer?
Previous
Next
Do you have any of the following?
You can use any of the documents below but they must have your name and address on, and must match with the name and address you enter into your account online application. Unfortunately we can't accept a mobile phone bill, and they need to be physical documents you have to hand, not downloads.

or

Previous
Next
Do you, the child, know your Anytime Banking details
You will need your customer number to begin the application.
Previous
Next

You're all set

You will need your customer number to continue. We'll also need to see a few bits of info in one of our branches after the application to open your account:

  • Proof of ID, like a passport, full or provisional UK driving licence or birth certificate 
  • Proof of your address, like a recent bank statement or utility bill

See a full list of documents we can accept here

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

The next screen will ask you to log into Anytime Banking. Please ensure you use your own login details rather than your parent or guardian's.

Previous

You're all set

You will need your existing bank account details to proceed. We'll also need to see a few bits of info in one of our branches after the application to open your account:

  • Proof of ID, like a passport, full or provisional UK driving licence or birth certificate 
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement or utility bill

See a full list of documents we can accept here

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous
Is your parent or guardian an Ulster Bank customer?
Previous
Next
Does your parent or guardian know their Ulster Bank Anytime Banking details?
Previous
Next
Do you, the child, know your Anytime Banking details
You will need your customer number to begin the application.
Previous
Next

You're all set

You will need your customer number to continue. We'll also need to see a few bits of info in one of our branches after the application to open your account:

  • Proof of ID, like a passport or birth certificate 
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement or utility bill
  • Proof of relationship (and if required name change documents) with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

The next screen will ask you to log into Anytime Banking. Please ensure you use your own login details rather than your parent or guardian's.

Previous

You're all set

You will need your existing bank account details to proceed. We'll also need to see a few bits of info in one of our branches after the application to open your account:

  • Proof of ID, like a passport or birth certificate 
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement or utility bill
  • Proof of relationship (and if required name change documents) with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous

Ask your parent or guardian to register for Anytime Banking

To help kick-start your application, we'll need them to register for Ulster Bank Anytime Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.

 

What they'll need...

They'll need their bank account sort code and account number, and their Ulster Bank debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Register for Anytime Banking

You must prove your address and identity

Sorry, you can't apply for an account because we need you to prove your identity and address.

No worries if you can't do this. You can apply with a parent/guardian if they have an Ulster Bank current account. 

If they don't have one yet, follow the link below to show them our current account range. 

Once they've applied, got their welcome email and their anytime banking details, come back here to continue your account application. Simple!

Eligibility criteria & conditions apply. 

Previous
View current accounts
Do you have any of the following?
You can use any of the documents below but they must have your name and address on, and must match with the name and address you enter into your account online application. Unfortunately we can't accept a mobile phone bill, and they need to be physical documents you have to hand, not downloads.

or

Previous
Next

You're all set

We'll need to see a few bits of info in one of our branches after the application to open your account:

  • Proof of ID, like a passport, full or provisional UK driving licence or birth certificate 
  • Proof of your address, like a recent bank statement or utility bill

See a full list of documents we can accept here

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous
Is your parent or guardian an Ulster Bank customer?
Previous
Next
Does your parent or guardian know their Ulster Bank Anytime Banking details?
Previous
Next

You're all set

We'll need to see a few bits of info in one of our branches after the application to open your account:

  • Proof of ID, like a passport or birth certificate 
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement or utility bill
  • Proof of relationship (and if required name change documents) with your parent or guardian, but only if your surname doesn't match theirs

Make sure all of the details you enter in the form are for you, not your parent or guardian. If you have any middle names, please make sure you enter these too.

Previous

Ask your parent or guardian to register for Anytime Banking

To help kick-start your application, we'll need them to register for Ulster Bank Anytime Banking.

If they've forgotten their login details, don't worry, they can re-register via the same process to get new ones.

 

What they'll need...

They'll need their bank account sort code and account number, and their Ulster Bank debit card if they have one.

The good news is that it normally takes about 5 minutes to register.

Register for Anytime Banking

You must prove your address and identity

Sorry, you can't apply for an account because we need you to prove your identity and address.

No worries if you can't do this. You can apply with a parent/guardian if they have an Ulster Bank current account. 

If they don't have one yet, follow the link below to show them our current account range. 

Once they've applied, got their welcome email and their anytime banking details, come back here to continue your account application. Simple!

Eligibility criteria & conditions apply. 

Previous
View current accounts

Parents: prefer a pocket money app managed by you?

NatWest Rooster Money comes with a prepaid debit card option from age 6.
  • Monitor their spending with limits and alerts.
  • Create custom pots for saving money.
  • Free Rooster card subscription: for Ulster Bank customers with kids aged 6-17.

T&Cs apply (PDF, 100KB). Eligibility criteria apply. Card offer includes up to three cards, other fees may apply. Fees apply for non Ulster Bank personal customers.

More on Rooster Money

Other ways we can help

Savings for kids

Whether you’re a parent wanting to prepare your young kids for the future or a teen aiming to learn more about money management, an Ulster Bank urfirst savings account could help.
Apply for a urfirst savings account

Rooster Run

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