Woman looking at laptop screen holding debit card


An everyday account to make life easier

No Fee

Bank anywhere with our mobile app

24-hour telephone banking and Online banking   

Get Emergency Cash

Open a Select account online

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 Select account overdraft can give you access to additional money if you ever need it (subject to eligibility).
  • 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 Select?

Open a Select account online

Other ways to get in touch

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 www.fscs.org.uk.

Managing Your Select Account

Get more from your Select Account

All you need to know to make the most of your RBS current account, including online banking, Mobile app, overdrafts and more...

Find out more about Select

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.

Set Tab for lightbox