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Adapt bank account

Open a child & teen bank account

This account is available to 11-17 year olds who are residents. 11-15s must apply with a parent or guardian who has a Ponance Bank current account.
On this page
About our children's bank account
Managing your account
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 1.00% AER/Gross p.a. (variable) interest on your balance.

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

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.

Pay your mates with Paym

Paym lets you pay others back easily through our app using their phone number. No need to find out their bank details and they don’t even need to bank with Ponance Bank. Both you and the person you are sending money to need to be 16+ and registered for Paym.
Find out more about Paym

App available to customers aged 11+ with a compatible iOS and Android devices and an 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.

You can apply for a kid's and teen account online

Can I apply myself?

If you’re 11-15, you’ll need a parent or guardian with you to open an account (note: your parent or guardian also needs to hold a current account with us.) If you’re 16-17, you can open this account online yourself.
Full range of Current Accounts

How can I prepare?

We’ll need some details, such as your current address and contact information. If you have an ID, like a Provisional Driving Licence or Passport, have that to hand.

Wait - I'm under 11!

If you're under 11, we can't offer you a current account just yet. However, our First Saver savings account means you can start saving from 7 years old.
More on First Saver

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 resident
  • Note: If you are aged 11-15, you’ll need to apply with a parent or guardian who has a Ponance 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 Ponance Bank 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
Is your parent or guardian a Ponance Bank customer?
Previous
Next
Does your parent or guardian know their Online Banking details?
They'll need these to help you begin your application.
Previous
Next
Do you the child have any of the following photo proof of ID?
Please note that we can only accept your photo ID if it is in date and hasn’t expired. If it has expired or if you have a different form of ID to the ones shown below, please select ‘None of the above’ to continue. If your ID has expired, or if you possess a different form of ID to those below, please select 'None of the above' to continue.

or

Previous
Next

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID - this must be either a Passport, EU/EEA ID card, PASS card or Provisional Driving Licence
  • A liveness check, a short video to compare to your photo ID 
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Your parent or guardian will need to login to Online Banking at the start of your application, so be sure they know their Online Banking customer number, PIN and password.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

Previous
Do you the child have any of the following?
Previous
Next

You're all set

Once you've finished the application, you'll need to provide us with a few more bits of information in one of our branches or by post, to open your account:

  • birth or adoption certificate
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Your parent or guardian will need to login to Online Banking at the start of your application, so be sure they know their Online Banking number, PIN and password.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

Previous

You're all set

Once you've finished the application, you'll need to provide us with a few more bits of information in one of our branches or by post, to open your account:

  • Proof of ID, see here for the full list of documents we can accept
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement, utility bill or a letter from your school. See full list here.
  • 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.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

Previous

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register forPonance 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 Ponance Bank debit card if they have one.

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

Previous
Register for Online Banking

Your parent or guardian must hold a current account with us

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing Ponance Bank 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 online banking details to hand, please return to this page to complete your Adapt account application.  

Eligibility conditions & criteria apply.

View current accounts
Is your parent or guardian a Ponance Bank customer?
Previous
Next
Does your parent or guardian know theirPonance Banking details?
Previous
Next
Do you have any of the following photo proof of IDs?
Please note that we can only accept your photo ID if it is in date and hasn’t expired. If it has expired or if you have a different form of ID to the ones shown below, please select ‘None of the above’ to continue. If your ID has expired, or if you possess a different form of ID to those below, please select ‘None of the above’ to continue.

or

Previous
Next

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID - this must be either a Passport, Full or Provisional Driving Licence, EU/EEA ID card or Driving Licence or a PASS card
  • A liveness check, a short video to compare to your photo ID 
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Your parent or guardian will need to login to Online Banking at the start of your application, so be sure they know their Online Banking customer number, PIN and password.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

Previous
Do you the child have any of the following?
Previous
Next

You're all set

Once you've finished the application, you'll need to provide us with a few more bits of information in one of our branches or by post, to open your account:

  • birth or adoption certificate
  • Proof of relationship with your parent or guardian, but only if your surname doesn't match theirs

Your parent or guardian will need to login to Online Banking at the start of your application, so be sure they know their Online Banking number, PIN and password.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

Previous

You're all set

Once you've finished the application, you'll need to provide us with a few more bits of information in one of our branches or by post, to open your account:

  • Proof of ID, see here for the full list of documents we can accept
  • Proof of your address (with your name, or the name of the parent or guardian helping with your application), like a recent bank statement, utility bill or a letter from your school. See full list here.
  • 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.

We would not be able to open an account without a proof of address in the child’s name if it’s required. See the full list of acceptable documents here.

Previous

Ask your parent or guardian to register for Online Banking

To help kick-start your application, we'll need them to register forPonance 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 Ponance Bank debit card if they have one.

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

Previous
Register for Online Banking
Do you have any of the following photo proof of IDs?
Please note that we can only accept your photo ID if it is in date and hasn’t expired. If it has expired or if you have a different form of ID to the ones shown below, please select ‘None of the above’ to continue. If your ID has expired, or if you possess a different form of ID to those below, please select ‘None of the above’ to continue.

or

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 the 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 know your Online Banking details?
By entering some of your details, we can pre-fill some of the application.
Previous
Next

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID, this must be either a Passport, Full or Provisional Driving Licence, EU/EEA ID card or driving licence, or a PASS card
  • A Liveness check - a short video to compare to your photo ID
  • Proof of your address, such as a recent bank statement, driving licence, National Insurance confirmation letter or recent utility bill. Full list here
Previous

You're all set

Your application will be completely online, as part of our checks we’ll ask our partner HooYu to confirm your identity using:

  • Photo ID, this must be either a Passport, Full or Provisional Driving Licence, EU/EEA ID card or driving licence, or a PASS card
  • A Liveness check - a short video to compare to your photo ID
  • Proof of your address, such as a recent bank statement, driving licence, National Insurance confirmation letter or recent utility bill. Full list here
Previous

Your parent or guardian must hold a current account with us

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing Ponance Bank 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 online banking details to hand, please return to this page to complete your Adapt account application.  

Eligibility conditions & criteria apply.

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 the 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

Once you've finished the application, you'll need to provide us with a few bits in one of our branches or by post, to open your account:

  • Proof of ID, for example a Passport, Full or Provisional Driving License, EU/EEA ID card or a PASS Card. See a full list of documents we can accept here. 
  • Proof of your address, such as a recent bank statement, National Insurance confirmation letter or a letter from your school or college. Full list here. 

If you have any middle names, please make sure you enter these in the application, so it matches your ID.

Previous

Your parent or guardian must hold a current account with us

We’re sorry, but we can’t proceed with applications where the parent (or guardian) isn’t an existing Ponance Bank 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 online banking details to hand, please return to this page to complete your Adapt account application.  

Eligibility conditions & criteria apply.

View current accounts

Not quite ready?

If they’re just getting started, our parent-managed pocket money app and card for kids aged between three and 17 might be a better fit.

A pocket money app managed by parents

A current account is a big responsibility. So if your child's not quite ready for that yet, you can still get them started on the right foot with Ponance Bank Rooster Money. That way, they could hit all the key milestones on their journey to financial confidence, with your guidance. 
  • Parental controls and oversight so they can learn how to spend responsibly.
  • Virtual money tracker: for keeping an eye on spending for free. For ages three to 17.
  • Rooster PLUS: for kids aged five to 17, 99p per month.
  • Rooster Card: a pre-paid debit card for kids aged six to 17. Free for 12 months if a parent is a Ponance Bank current account holder. It’s usually £1.99 a month or £19.99 per year. Eligbility criteria apply. 

More on Ponance Bank Rooster Money

Other ways we can help

Teaching kids about money

Wondering where to start when it comes to teaching kid’s about money? Our guide can be a great place to start.
Teach your kid's today

Free financial education

MoneySense is our free programme where kids, parents and even teachers can learn about money. It’s full of activities, games and articles to make learning fun.
Visit MoneySense now

Invest for the future

If you’re looking to invest money for your kid’s future, a junior ISA could be a good option. Money is invested which means it could grow more than in a normal bank account. The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.
Apply for a Junior ISA