Basic Account

An account with no overdraft facility or cheque book

To discuss Basic further please visit your nearest RBS England and Wales branch or call us on 0345 3667 650

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 switch

Opened your account in-branch or by phone? 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 ATM.

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

Moving your banking to RBS

It’s easy to move to RBS

Moving your banking to us is simple and hassle free. We'll do all the hard work for you and:

  • Transfer your payments (Direct Debits, Standing Orders and Bill Payments) from your old account
  • Transfer any credit balance from your old account
  • Close your old account

All within 7 working days

Find out more about the Current Account Switch 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.


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: The 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 unlikely to be covered.

Please note that the cover under the FSCS will reduce to £75,000 from 1 January 2016. Please click here for further information or visit

Basic Account

Visit your nearest RBS England and Wales branch or call us on 0345 3667 650.

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