Current Accounts

Adapt Account

Our bank account for 11 to 18 year olds

What do you get with your bank account?

The need to knows

You should review the terms & conditions (PDF) that apply to your Adapt Account with a parent or guardian.

How do you open an Adapt Account?

You can start the account opening process right away by applying online. Alternatively, you can visit your local branch.

Please note, if you are under 16 years old we may write and tell your parent or guardian that you have opened your bank account.

What do you need to open a bank account?

For all customers we require one document that proves your identity (such as a passport) and one document to prove your address.

Find out more on what documents we accept.

What happens your Adapt Account when you turn 18?

When you turn 18 we may change your Adapt Current Account to a Current AccountStudent Account or another bank account which we believe with good reason may be right for you. (For Student Accounts we may ask for confirmation from the organisation that processes your application to enter higher education that you have taken up your place).

We will notify you personally at least 60 days before we do this at which time we will provide you with up to date copies of 'Personal banking – terms and conditions' (PDF) and 'A guide to personal accounts fees and interest' (PDF).


Visit our MoneySense website,  our free financial education programme for students.

Ready to apply?

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Help and support

Call us on 1890 587 587

Lines are open: 
Monday to Friday 8.30am – 8pm and Saturday 9am – 3pm