Adapt account

Your Adapt account comes loaded with benefits. Here are just a few of them:

• Earn a great rate of interest on your money
• A Solo card which you can use in shops and online. Plus, design the look of your card with your own photo, artwork or choose a design from our online library.
• Free texts or ring tones when you top up your mobile phone at our cash machines
• Top tips on how to manage your money and the opportunity to earn extra cash by sharing your ideas.
• Plus lots of other discounts

Get a sneak peak of the exclusive Adapt website

Free texts are only available to Orange Pay As You Go customers and we charge £5 for each new card design.

This page provides a summary of the rates and charges that apply to NatWest current accounts.

Full copies of the fees and interest rates, and terms and conditions that apply to our personal accounts can be downloaded from our terms and conditions page.

Throughout this page, you'll see various terms being used. Here's what they mean:

Annual Equivalent Rate (AER) . This is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.

Effective Annual Rate of Interest (EAR) . This is the real annual cost of an overdraft, stated as an annual rate, which takes into account how often interest is charged to the account. All other charges, such as arrangement fees, must be shown separately from the EAR.

Gross Rate. This means the interest rate you are paid before the deduction of income tax.

Net Rate. This means the interest rate you are paid after the deduction of income tax.

Nominal Rate. The rate charged excluding compounding of interest and other charges associated with a borrowing, e.g. arrangement and security fees.

p.a. per annum (per year).

The annual rates of interest paid on credit balances:

Calculation and application of interest

Interest is calculated on a daily basis and paid into the account once a month. Please see Section 8 of our leaflet: Personal and Private Banking – A Guide to Fees and Interest for further details.

Full copies of the fees and interest rates, and terms and conditions that apply to our personal accounts can be downloaded from our terms and conditions page.

Telephone and Online banking allow you to manage your account 24/7, available for over 16s only.

Sometimes we have to update our systems so our 24-hour telephone and OnLine Banking services may not be available for short periods in the early hours of the morning.

Please also read our website terms and conditions which cover your use of this website.