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Adapt

  • Contactless debit card to make purchases online, in shops and to withdraw cash. Limits apply.
  • Manage your money on the go with our safe, easy to use mobile banking app.
  • Get interest on your balance.

Account eligibility criteria apply. Specific criteria apply for the app and certain features. Apple Pay available for ages 13+ and Google Pay™ available for ages 13+.

Information Message
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 current account. The child only can give instructions on this account, only they will have access to it via anytime banking and the mobile app. App available on selected devices.
Earning interest on your account
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%

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 information
Important information

Please take some time to review, print and/or save the important information.

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

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.

We may also ask for:

We’ll only ask for this if your last name is different from your child, we may also need to see proof of a name change.

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 
Does your child have a Photo ID?
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 started

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.

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 
Do you have any of the following Photo IDs?
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 started

You'll need:

  • 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.

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 
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