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Adapt bank account

Our bank account for 11 to 18 year olds

Our under 18's bank account with contactless debit card

 

  • This youth current account is called 'Adapt'
  • Make purchases and withdraw cash with your contactless Visa debit card
  • Check your balance out and about with our Mobile Banking app
  • Works with Google Pay™ and Apple Pay
  • No monthly fee

What do you get with your bank account?

Our teen bank account comes with

Contactless Visa Debit Card

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

Our Mobile Banking app

Our Mobile Banking app is secure, easy to use and lets you manage your banking when you’re out and about.

Apple Pay and Google Pay

Use your phone as a way to pay

How to apply

Please review the Your Current Account Terms (PDF, 147 KB) that apply to your Adapt Account with a parent or guardian.

If you’re 11-15, you’ll need a parent with you to open an account (note: your parent also needs to hold a current account with us.) If you’re 16-17, you can open this account online yourself. If you’re under 11, we can only offer you our child savings account.

MoneySense

See the MoneySense for schools website, our free financial education programme for students.

Also, see our MoneySense for parents website for tips to help your children towards the better financial future.

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

Now please take a look at the important legal info

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.

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

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 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.

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 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.

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.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their Anytime Banking details to hand, please return to this page to complete your Adapt account application.  

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

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 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.

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.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their Anytime Banking details to hand, please return to this page to complete your Adapt account application.  

Are you an existing Ulster Bank customer?
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

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

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.

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.

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

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 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.

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 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.

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.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their Anytime Banking details to hand, please return to this page to complete your Adapt account application.  

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

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.

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

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 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.

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.

Your parent or guardian needs to open a current account

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing current account holder. For our full range of current accounts, click the link below.

Once your parent or guardian has received their email confirming their account has been opened and has their Anytime Banking details to hand, please return to this page to complete your Adapt account application.