Dad reading on sofa whilst their child sneaks a biscuit

Reward Silver Current Account

A bank account that reflects your lifestyle

£12 fee per month  

European travel insurance   

Mobile phone insurance    

Earn 3% Rewards on selected household bills

Book a branch appointment Change your existing account

Change an existing account

Is this to be a sole or joint change?

To apply, you need to be aged 18 or over and permanently resident in the UK.

In order to help us upgrade your account as quickly as possible, please do not open more than one application form in your browser. This can create an error when submitting your application.

Please note that this account is not available to RBS customers in England and Wales.

All these great benefits for just £12 per month

Travel Benefits

European Travel Insurance

Going abroad? Your Reward Silver account includes travel insurance that covers you for up to 22 days per trip. The policy also includes winter sports cover.

What you should know:
  • Covers you and joint account holders
  • If you have a medical condition, please call 0345 607 5154 (or Minicom number 0370 600 0856) to confirm your premiums and cover.  Lines are open 8am-8pm Mon-Fri, 9am-5pm Saturday, 10am-5pm Sunday and 9am to 5pm on bank holidays. We are closed on Christmas Day, Boxing Day, New Year's Day and Easter Sunday. Calls may be recorded
  • If you or your joint account holders are aged 70 or over, there’s a £50 annual premium per person insured aged 70 or over
  • If you have an existing medical condition, you may have to pay an additional premium or accept that your cover may exclude certain conditions.
  • All our insurance products are underwritten by U K Insurance Limited.
Travel money

Get preferential rates on foreign currency from our Travel Money service – we’ll even deliver the money to your door.

What you should know:
  • Orders must be online or over the phone through membership services to receive preferential rates
  • Minimum order of £100 applies.

Protection Benefits

Mobile Phone Insurance

Your policy covers your mobile phone for theft, accidental damage and if your phone stops working

What you should know:

  • The policy covers unauthorised calls up to £2,500 (inc VAT) for monthly contracts and up to £100 (inc VAT) for pay as you go customers
  • Covers account holders’ phones only 
  • 2 phones are covered if you have a joint account
  • The replacement value per phone is unlimited (excluding cosmetic embellishments with precious metals, stones or crystals)
  • There is a £75 excess.
  • All our insurance products are underwritten by Aviva Insurance Limited.

Lifestyle benefits     

Ticket Booking Service

Receive 25% cashback on tickets for theatre, dance, opera, concert performances and more throughout the UK and Ireland.

What you should know:
  • Order up to six tickets through the booking service for each event, up to four bookings a year
  • Tickets can be booked by phone or online via the membership services website
  • Cashback is calculated on the full price of the ticket including any booking fees
How do I get my cashback?
  • You don't need to do anything. It will be paid into your Reward Silver account within 30 days of your booking.


2 for 1 or 50% off at thousands of restaurants UK wide.

What you should know:
  • Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other “event” type days
  • Where restaurants offer 50% off they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras
  • Some restaurants require the customer to book prior to arriving at restaurants.

Household Bills Reward Calculator

Tell us your average spend on household bills paid by Direct Debits
and we’ll show you how much you could earn per year.

3% Rewards  

on selected household bills paid by Direct Debit

  • RBS-BroadBandPhone
  • RBS-CouncilTax
  • RBS-Electricity

This is available to all Reward, Reward Silver Reward Platinum & Reward Black accounts. For UK Residents Only. Fees from £3 per month apply.

From 1st January 2016, if you hold a Reward, Reward Silver, Reward Platinum or Reward Black with Royal Bank of Scotland you will earn Rewards on eligible Direct Debits from all current accounts you hold with us (excluding Basic, Foundation, Key or current account mortgage products).

  • RBSReult-Direct Debit Icon


    In Rewards on household bills

    paid by Direct Debit

    We've pre selected popular bills. Feel free to make changes

    • Selection_BroadBand Phone-On

      Phone and Broadband

    • Selection_Council Tax-On

      Council Tax

    • Selection_Electricity-On


    • Selection_Mobile-On


    • Selection_TV-On

      TV Package

    • Selection_Gas-On


  • RBSReult-Direct Debit Icon


    In Rewards on household bills

    paid by Direct Debit

    Tell us your spend on the following household bills



    Phone and Broadband

    Reward Silver Current Account | RBS £


    Council Tax

    Reward Silver Current Account | RBS £



    Reward Silver Current Account | RBS £



    Reward Silver Current Account | RBS £


    TV package

    Reward Silver Current Account | RBS £



    Reward Silver Current Account | RBS £

Great! This is how much you could earn in Rewards on Direct Debits

This is how much you could earn

In total
£ on average per year*

Open a Reward Silver Account and start earning Rewards on household bills.

Book an appointment

Not sure which account is right for you. Then compare our range.

Compare current account

How are Rewards calculated?

Council tax is calculated over 12 monthly payments, if you pay your Council Tax over 10 months you should take this into account or consider entering this yearly.

With the 3% Direct Debit offer, you’ll receive 3% in Rewards on every selected household bill paid by Direct Debit. Payments for services like maintenance, repairs and insurance won’t earn Rewards, for more information please see our exclusions. 5.00 Rewards = £5 when exchanged. If you’re not a RBS current account holder, view our range of accounts.

* This figure is based on the average households main direct debits but the figure could be higher or lower depending on the number and value of your Direct Debits.

Check which providers are eligible

Other ways to earn Rewards

Participating retailers

Also earn at least 1% in Rewards on qualifying purchases at our Reward partners.

More about our retailers
Two women sat in back of car holding shopping

All these features come as standard

Tablet and mobile phone displaying reward
Bank on demand

We know life keeps you pretty busy. Access your account anytime with 24-hour UK call centres, Digital Banking and our Mobile Banking app. Or visit one of our 600 branches.

App available on selected smartphones, to RBS customers with Digital Banking and a UK mobile number beginning 07.

More on ways to bank
Apple Pay is here

Apple Pay is the new, easy and secure way to pay using your RBS debit or credit card.

Use Apple Pay in store (iPhone 6, 6 Plus, 6S and 6S Plus or Apple Watch) and within apps (Phone 6, 6 Plus, 6S and 6S Plus, iPad Air 2, iPad Pro and iPad Mini 3 and 4).

Apple Pay is available on selected personal current accounts and RBS MasterCard credit cards.

More on Apple Pay
iPhone using Apple Pay
Dog chewing debit card
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

Support when you need it

Emergency Cash

If your debit card is lost or stolen, our Emergency Cash service makes sure you can access your money from our ATMs. Simply call us and we’ll send you a code that’ll let you withdraw your cash.

If you’re an online or telephone banking customers, you can access up to £300. 
If you’re not registered for these services, you can still get £60 to tide you over. 

You need to have the money in your account to withdraw it & you'll need at least £20 in your account to use the service.

When you call we will ask some security questions, then provide a code that allows you to withdraw your money from any RBS, NatWest or Ulster cash machine.

Has your RBS debit card been lost or stolen? Call us.


An overdraft for a little breathing space

Your RBS Reward Silver account overdraft can give you access to additional money if you ever need it (subject to eligibility, over 18s only).
  • Borrow up to an approved limit at any time, and increase your limit (subject to approval) or decrease it whenever you want
  • You only pay interest on what you borrow within your agreed limit (please note if you use your arranged overdraft by more than £10 you will be charged an Arranged Overdraft Usage Fee)
Unarranged overdrafts

If you go overdrawn without having an arranged overdraft (or if you go over your agreed limit), then you may be charged these fees:

  • An Unarranged Overdraft Usage Fee of £6 per day (if an unarranged overdraft of more than £10 is created on your account); or
  • An Unpaid Transaction Fee of £6 for each transaction we decide not to pay because you don’t have enough money available.
More about overdraft charges Read more about overdrafts
Other great features that come with this account


Contactless Debit Card

  Mobile app pay your friends & bills

Text alerts

Current Account Switch Guarantee

Add your signposting title here…

Switching to RBS

Moving your banking to us is simple and hassle free.

Want to close your bank account at your old bank?

7 Day Current Account Switch Service:

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

Want to keep your old account?

  • We'll still transfer your regular payments (Direct Debits, Standing Orders & Bill Payments) within 7 days
  • We are reliant on the Direct Debit Originators to update their records. If the Direct Debit Originator tries to claim before this has happened, your old bank will return it as unpaid
  • Credit will remain in your old account and any future credit will be paid to this account

Move some of your Direct Debits

If you want to move just one Direct Debit from another bank you need to contact the supplier who you pay the direct debit to and provide them with updated details to take the Direct Debit from your RBS bank account.

Learn more about the Current Account Switch Service
Identity documents

Add your signposting title here…

What do you need to open an account?

Opening a new current account with us is easy.

If you're applying online, try and have a UK Passport or Driving licence to hand along with a working credit or debit card.

If you don't have these, don't worry. You can still apply online and we will ask you to provide other forms of ID and proof of address that we can accept.

Find out more about what documents we accept

Ready to apply for Reward Silver?

Book a branch appointment

Other ways to get in touch

Managing Your Reward Silver Account

How to use your benefits

Your account gives you a load of extras to entertain, travel and protect. As you're automatically registered, all you need to do is remind yourself of everything you get. Find out more about your benefits and how to claim.  

Reward Silver benefits

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.

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