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Select Silver Account

A flexible account with a great range of extras

Apply online now
Upgrade your existing current account to Select Silver

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 £10 a month


European Travel Insurance

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

What you need to know

  • To include a joint account holder on your policy, or if you have a medical condition, please call 0845 609 0456 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.
LOVEFiLM and music downloads from hmvdigital

If you love movies and music, you can choose up to three DVDs plus unlimited online streaming each month from LOVEFiLM. You can also download up to five tracks per month from hmvdigital to your computer, MP3 player and mobile phone.

What you should know

  • Download, rental and streaming allowances can’t be carried over to the next month
  • Online access is required.
Identity Theft Assistance

Identity theft can be expensive and can cause months of hassle. We’ll protect you against the identity thieves and give you the support you need if the worst should happen. To help keep you safe we will:

  • Check your credit status and receive alerts from Experian if anyone is using your personal details
  • Assign a caseworker who will help restore your credit status if you fall victim to identity theft
  • Alert you if your details are used on a credit application
  • Provide a document registration service that keeps the details of your important documents in a safe place.


What you should know

  • You need to register for credit report and valuable-document registration
  • For joint accounts, both account holders must register individually for Experian credit report monitoring.
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 Silver Account Insurance Policy Summaries (includes Keyfacts about our insurance services) (PDF, 466KB)
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 Silver 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)
  • 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 Silver 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 Silver Account

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