Reward Silver Current Account | Royal Bank of Scotland

Reward Silver current account

Lifestyle benefits and Rewards. £12 a month.

European travel insurance   

Mobile phone insurance    

3% Rewards on 7 types of household bills paid by Direct Debit

To apply you must be 18 or over and a UK resident

Book a Branch Appointment Change an existing account to Reward Silver

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 this account is not available to Royal Bank of Scotland 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 (underwritten by U K Insurance Limited). The policy also includes winter sports cover.

What you should know:
  • Covers you and joint account holders
  • 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 a medical condition, please click here or call 0345 607 5154 (Minicom 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.
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 (underwritten by Aviva Insurance Limited).

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

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.

3% in Rewards on these bills when you pay by Direct Debit

As soon as your available Rewards balance is the equivalent of £5 or more, you can convert your Rewards to money, which you can either transfer into your Royal Bank of Scotland current account or use towards reducing your Reward credit card balance. Rewards can also be exchanged for gift cards at selected retailers or converted to money and donated to participating charities.

Calculate how many Rewards you could earn

Payments to billing organisations but which are for other services such as maintenance, repairs or insurance will not earn Rewards.

Account features when banking with us

Ways to bank

Access your account anytime with 24-hour UK call centres, online banking or our mobile app. We also have one of the UK's largest branch networks.

We have lots of ways to bank with us, whether you want to use your mobile phone, tablet, or even use one of our mobile branches in more rural locations in the UK. There's plenty of ways to make managing your money easier.

App available on most smartphones, to Royal Bank of Scotland customers with Online Banking and a UK mobile number.


Ways to bank with us

Get cash without your bank card

Our mobile app lets you withdraw money (up to £130 of your money per day) from Royal Bank of Scotland, NatWest or Tesco cash machines.

Get Cash is a function on our Mobile Banking app that lets you withdraw money quickly without using your bank card. It's great for those times, when you pop out during your lunch hour, but don't have cash on you.


More about Get Cash

Pay your contacts with our mobile app

Pay Your Contacts lets you send money to someone aged 16 and over with a UK mobile number who has a UK Visa Debit card.

Paying money to anyone with a valid UK Visa debit, credit or prepaid card is simple – all you need is their mobile number and your Mobile Banking app. Open your Mobile app, click on the ‘Pay Your Contacts’ option, enter their mobile number, the amount you want to pay them and add a personal message.

If the person you’re paying is a Royal Bank of Scotland Mobile app user, they’ll receive a text and the money will be in their account instantly.


More about mobile payments

Opening an account or switching to Royal Bank of Scotland

What you need when opening an account

Opening a new current account with us is easy. Find out what documents you need when applying for an account.

To apply in a branch please try and have a UK Passport or Driving licence to hand along with a working credit or debit card.

It's easy to switch to us

Switching bank accounts from one UK bank or building society to another is simple with the Current Account Switch Service. It takes just 7 working days.

On your switch date, your payments, such as Direct Debits, Standing Orders and Bill Payments, will transfer to your new account. Any credit balance from your old account will have been transferred, your new account will be ready to use and your old account will be closed, if you wish.

Book a Branch Appointment
You may also be interested in...

Reward credit card

Earn Rewards on your everyday spend.

Over 18s and mainland UK residents only. Annual fee refund available for Reward account holders.

Representative 23.7% APR (variable)
Annual fee applies

Get assistance or apply Apply for a Reward Silver account
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