Black Account

Designed especially for our RBS Private Customers

Upgrade your account
Apply for a Black Account

Open a new current account

Is this a sole or joint application?


Apply just in my name


There are two of us applying

To apply, you need to be aged 18 or over, permanently resident in the UK and have a sole income of at least £100,000 paid into your RBS account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

The Black Account is for RBS Private customers.

If you're not a RBS Private customer yet, you can still apply for our Black Account to become one, but you need to have a minimum sole income of £100,000 that will be paid into your RBS account. You're also eligible if you have minimum outstanding RBS mortgage borrowings of £300,000, or savings and investments of at least £100,000 held with us.

You must also be aged 18 or over and permanently resident in the UK.


Your Benefits

All these extras for £24 a month

Worldwide Travel Insurance

Our 2014 5* Defaqto rated UK & Worldwide Travel Insurance can help you relax when you're away. It's an annual policy too!   

Extra long cover – for trips of up to 90 days and 31 days for winter sports

Family protection – includes you and your partner, plus any dependent children under age 18 at the start of the journey, or under 23 if they’re in full-time education. Children must also be living at the home address (or with the other parent), unmarried and not entered into a Civil Partnership. Conditions apply.

No upper age limit - There's no need to pay an extra premium because of your age.

Cover may be refused or there may be an additional charge or exclusion for an existing medical condition. The account holder or anybody linked to them who may have an existing medical condition must get in touch as soon as possible before travelling as medical screening may be required.

Exclusions apply, for example car hire cover.


Worldwide Airport Lounge Access

With Priority Pass™ you have unlimited access to over 700 VIP airport lounges around the world. You can also bring travel guests, for a payment of £15 each. 

  • We'll automatically send you membership card to Priority Pass™ in the post when you open or upgrade to a Black Account
  • Make sure you visit the Priority Pass website before you travel
  • You will need your membership card to gain access to lounges. If you have a joint account and are travelling with the other account holder, both account holders will need to have their individual membership cards with them.


Black Travel Service & Travel Money

Your money goes further when you use the Black Travel Service. You'll receive discounts on:

Selected holidays – Up to 10% discount from a number of major tour operators including Thomas Cook and Virgin Holidays

Amenities – 10% discount on airport parking, airport hotels, car hire, transfers and tickets for attractions abroad e.g. theme parks.

You will not incur additional charges - such as credit card or booking fees.

Travel Money

As a Black Account customer, you can also enjoy:

  • Preferential exchange rates on our Travel Money
  • Complimentary delivery directly to your home or any RBS branch

Your Travel Money order value must be at least £100 to qualify for preferential exchange rates and complimentary home delivery. The maximum order for a single transaction is £2,500. The maximum order in any 60 day period is £5,000.


Black Concierge Service & Black Ticket Service

Our 24/7 Black Concierge Service can help you with:

  • Getting your hands on hard-to-get theatre tickets or booking a table at a top restaurant anywhere in the World
  • Recommending and securing a special gift for any occasion, even gift-wrapped if you need it
  • Booking an executive car
  • Creating that trip of a lifetime
Our Black Ticket Service can help with the following: 

Receive 25% cashback – based on the normal face value price of the ticket, including some Premier League football matches, Wimbledon, British Open Golf & more; available for up to four events a year within the UK and Ireland (Up to six tickets per event)


You can’t resell your discounted tickets. You can order more than six, but you will pay full price for any additional tickets.
Mobile Phone Insurance

5* Defaqto Mobile Phone Insurance

  • Covers up to four phones for you, your partner and/or phones of your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside of term time)

  • Unlimited cover of handset retail value for theft, loss or damage and unauthorised use up to £2,500 for contract phones and £100 for pay-as-you-go phones (inc. VAT). Covers up to £250 worth of accessories too.

Important Information: 

  • You can make four successful claims during any 12 month period. £75 per claim 
  • Cover starts as soon as your account is open 
  • Register your handset to make the claims process quicker for you
  • If your phone is lost or stolen, you must contact your network provider within 24 hours. You should also report it to the police and get a crime reference number 
  • Replacement phones delivered within 24 hours of your claim being accepted (if you are abroad we will replace the phone on your return to the UK) 
  • You must tell us about any claim within 60 days of discovering the theft, loss, damage or breakdown

Car breakdown cover

Roadside assistance - anywhere in the UK and Europe

Home-Call – help when your car won't start at home

Recovery service – if Green Flag can't get your car going, they'll take you to a destination of your choice or a suitable repairer

Protection for all your cars – as long as the vehicle is registered in your name at your home address, it's covered

Main exclusions:

  1. Costs at the garage or repairer – if Green Flag can’t fix your vehicle at the roadside you will be liable for the costs of repair

  2. Roadside assistance - for European trips outside the UK, cover will not apply for vehicles over 10 years old at the beginning of the trip

  3. Maximum claims: Customers can only claim 5 times in any 12 months before a charge will be incurred

Home emergency service

As a Black Account customer, you are in safe hands:

24/7 home emergency cover up to £750 including VAT

Cover for two homes – your main residence and any second home you own in the UK (excluding properties you rent out)

Approved repairers - finding someone you can count on can be a challenge, but we have taken care of that

Main exclusions:

  1. External water supply pipes
  2. Boilers over 10 years old, or with an output over 75kw
  3. Any emergency if your home has been unoccupied for more than 60 consecutive days
  4. Detached garages and outbuildings
  5. Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man

It's important to remember that this is not a household buildings or contents insurance policy, or an equipment maintenance contract.


Arranged Overdraft

With a Black Account, you can also apply for an Arranged Overdraft and have an interest-free threshold of up to £500 (Overdraft applications are subject to eligibility).

Important information:

If you go overdrawn without having an Arranged Overdraft or if you go over your agreed limit, then fees and interest may apply.

Also, if your Arranged Overdraft is over £500 and you
more than the £500 interest-free threshold, interest is charged on the full amount borrowed.

Learn more about Arranged Overdraft costs

Ways to bank with us

Look after your account, in a way that suits you


Bank when and where you want, with Digital Banking and our Mobile app. You can also set up text alerts to help keep you on top of your money. 

Find out more

Prefer to discuss something over the phone? Book an appointment with your Private Banking Manager or speak to our 24/7 Private Support Team.

Talk to us

RBS Private Team

Here to support you when you need it

New customers

If you would like to join RBS call us to find out more.

Telephone 0800 051 9955
Minicom 0800 404 6160

Existing customers 

You can speak to a member of our Private Team 24/7.

Telephone 0845 30 30 600
International +44 118 963 9698
Minicom 0800 900 5960


Visit one of our many branches, where you can speak to our staff or use facilities to pay money in and out of your account. 

Visit us

Our Mobile Banking app is available to RBS personal current account customers with debit card, Online Banking and a mobile number starting 07 on iPhone, iPad, Android, BlackBerry and Windows smartphones.

Digital Banking is available to RBS account holders aged 11 and over.

RBS banking features

Helpful everyday banking comes as standard

Feel Rewarded everyday

To earn Rewards, just activate your account and use your RBS Visa Debit card on qualifying purchases at participating retailers.  Available on personal current accounts held in mainland UK, except for Basic, Step and Cash and current account mortgages. Over 18's only.
 More about Cashback Plus

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).

More about Emergency Cash

RBS Black Account

Already have the Black Account?


Have a RBS Black Account already?

Make sure you're getting the most out of your Black Account and taking full advantage of the benefits that it comes with.

View, register or use your benefits
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

RBS Private Black Credit Card

The credit card that matches the account

Our Private Black Credit Card is for Black Account holders only and earns you 1.25 RBS YourPoints (Which can be earned on qualifying purchases) and can be redeemed on a wide selection of products and services, including travel or shopping. 

Read more about earning and redeeming YourPoints

Exclusively for Black Account customers. RBS Black Account has a £24 monthly fee.

Learn more about the RBS Private Black Credit Card

14.9% APR (variable)

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 www.fscs.org.uk.

Apply for the RBS Black Account

What's next?

Upgrade your account
Apply for a new account

Open a new current account

Is this a sole or joint application?


Apply just in my name


There are two of us applying

To apply, you need to be aged 18 or over, permanently resident in the UK and have a sole income of at least £100,000 paid into your RBS account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us.

Set Tab for lightbox