Couple on laptop

Basic Account

An account with no overdraft facility or cheque book

Apply online now

RBS current accounts

Making everyday banking easy

Bank your way

Online, on your mobile phone, at your local branch or call our 24-hour UK call centres.

Find out about ways to bank

Get Emergency Cash

If your debit card is lost or stolen, our Emergency Cash service makes sure you can access your money from our ATMs (Limits apply).

Find out more about Emergency Cash

Pay your contacts

You can also use the mobile phone app to securely send money to anyone who has a UK mobile phone number and has the RBS mobile phone app or a valid Visa Debit, credit or prepaid card. You don’t need their account details, just their phone number – so it’s simple to use and very safe.

More about Pay Your Contacts

It’s easy to apply and switch

You can apply online, in-branch or by phone and our expert team will sort everything for you.

Find out more about switching


Basic Account

Account features

A Visa debit card to make purchases worldwide with added online security protection.

Withdraw up to £300 cash a day from any RBS, NatWest or Ulster Bank cash machine or at any UK Post Office counter.

Withdraw money overseas with your Visa debit card at any cash machine that shows the Visa logo (charges apply)

Set up standing orders and Direct Debits to make it easier for you to pay your bills.

Regular statements - check them online or receive a paper copy.

Current Account Switch Guarantee

Switching banks

It’s easy to switch to RBS

Switching your banking to us is simple and hassle free.

We’re part of the Current Account Switch Service, and have an expert team who will move your banking to us in just 7 working days.

More about our switching service

Current accounts

Not the right account for you?

You can use our account comparison table to see the features, benefits and costs of our current accounts.

Fees and charges

Rates and important information


Existing customers

Get more from your Basic Account

All you need to know to make the most of your RBS current account, including Digital banking, mobile apps and more...

Discover more

Helpful banking

Protecting your money

Your eligible deposits with RBS are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. This limit is applied to the total of any deposits you have with the following: Royal Bank of Scotland, Direct Line, the One Account, Child & Co, Drummonds and Holt's. Any total deposits you hold above the £85,000 limit between these brands are not covered.

Further information is available here or visit

Basic Account

Ready to apply?

Apply for Basic Account
Set Tab for lightbox