Select Platinum Account

An account for you and your family

Apply online now
Upgrade your existing account to Select Platinum

RBS current accounts

Making everyday banking easy

Bank the way you want to

24 hour UK call centres, handy mobile branch service Digital Banking and award winning Mobile App (FS tech winner 2012).
Find out more about Digital and Mobile banking

Helping you when you need it

Emergency Cash - access your money at our ATMs if you lose your Debit card. Limits apply.
Find out more about Emergency Cash

Easy to apply & switch

Quick and easy online application. 
Find out more about switching

Get rewarded with Cashback Plus

Just activate your account and use your RBS Visa Debit card on qualifying purchases at participating retailers and you'll earn Rewards. Available on our personal current accounts held in mainland UK, except for Basic, Key and Cash accounts and current account mortgage products. Over 18's only.
Find out more about Cashback Plus

Your benefits

All these extras for just £16 a month


Worldwide Travel Insurance

Going on holiday with your family? Your Select Platinum account includes Worldwide travel insurance that covers you for up 31 days. The policy also includes winter sports and comes with £10 million medical expenses cover

What you need to know

  • Family cover includes you, your partner and dependent children who are under 18 at the start of the journey (or up to 23 if living at home, and in full-time education or unmarried and have not entered into a civil partnership)
  • To include an additional party on your policy, or if you have a medical condition, please call 0845 609 0456 (or Minicom number 0870 600 0856) to confirm your premiums and cover
  • If you or your joint account holders are aged 70 or over, there’s a £50 annual premium
  • If you have an existing medical condition, you may have to pay an annual premium or accept that your cover may exclude certain conditions.
Mobile Phone Insurance

Your phone is covered for loss, theft, accidental damage and if it 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
  • 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.
UK Car Breakdown Cover

Relax in the knowledge that if your vehicle breaks down, help is just a phone call away. Green Flag will get you and your vehicle home, or to your preferred location, anywhere in the UK.

What you should know

  • Full national service - anywhere in the UK, including homecall
  • Protection for all vehicles owned by you and kept at your home address
  • Anyone driving or travelling in the vehicle owned by you is covered too.
National Trust for Scotland days out

Discover some of Scotland's treasures with two family day passes each year at a selected range of National Trust for Scotland properties.

What you should know

  • Choice of over 130 places to visit in Scotland
  • Each pass is valid for two adults and three children aged 5-16 (under 5's do not count towards the three and incur no additional cost)
  • Includes car parking at no additional cost
  • You can also visit National Trust sites in the rest of the UK

Terms of use

  • If a National Trust special event is taking place entry is still possible but the voucher does not permit access to the event itself if there is a separate charge for that event.
  • You need to have your pass with you to gain access to the sites.
  • Vouchers must be used within 6 months of being downloaded & photocopies will not be accepted.
  • You must show your RBS Debit Card when presenting your voucher.

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.
Travel Money

You’ll 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.






Rates and important information


RBS Personal & Private Current Account Terms; Personal & Private Current Account Fees & Interest Rates; Helping you get the most from your Personal RBS Current Account (PDF, 2MB)
Select Platinum Account Insurance Policy Summaries (includes Keyfacts about our insurance services) (PDF, 450KB)
Current Account Switch Guarantee

Switching banks

It’s easy to switch to RBS

Switching your banking to us is simple and hassle free.

We’re part of the Current Account Switch Service, and have an expert team who will move your banking to us in just 7 working days.

More about our switching service

Flexible overdraft

A little breathing space if you need it

Your RBS Select Platinum 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
  • There’s no need to renew your overdraft.

RBS current accounts

Find out what you need to open an account


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

Managing your Select Platinum Account

Managing your benefits

How to use your benefits

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

Select Platinum Account

Ready to apply?

Apply for Select Platinum Account
Upgrade your existing account to Select Platinum
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