Reward Silver benefits | RBS

Manage your Silver benefits

Silver bank account benefits

An account that reflects your lifestyle

European travel insurance

Mobile phone insurance

tastecard™

Get started with your new account Log in to Membership Services

To apply for this account please go into your local branch

Your account benefits

 

Travel benefits

 

European travel insurance

UK and European travel insurance that covers you for up to 22 days per trip (including winter sports).

What's included?

- UK and European travel insurance that covers you for up to 22 days per trip (including winter sports)
- You as the account holder(s) are covered
- Emergency medical expenses, cancellations, baggage and more

 

What you need to know

- Cover for account holders only
- Pre-existing medical conditions are not covered, if you would like to extend your cover to include these, please call us. We may ask you to pay an additional premium or we may not cover your condition
- If you or your joint account holders are aged 70 or over, you must call us each year to obtain cover - £50 annual premium per person insured aged 70 or over applies

Contact us  

- If you have a pre-existing medical condition, please click here or call us on 0345 607 5154 (Minicom 0370 600 0856) to confirm your premiums and cover. If anyone covered by the policy is aged 70 or over you shoud also call us. 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.

 

How do I make a claim?

To make a travel insurance claim call us on 0345 607 5154 (Minicom 0370 600 0856). Lines are open 9am-6pm Mon-Fri, and closed Saturday, Sunday and bank holidays.

 

If you need emergency assistance whilst abroad call us on:

0345 607 5154 or +44 1252 308 791. Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

Travel money

Preferential rates on foreign currency from our travel money service - we'll even deliver to your door.

What's included?

- Preferential exchange rates on both foreign currency and travellers' cheques - minimum order of £100 applies
- 0% Commission on all foreign currencies
- Free delivery to your home or a branch of your choice within the UK
- Payment from any UK credit or debit card

 

How do I order travel money?

You can order your travel money online or call us on 0345 607 5154 (Minicom 0370 600 0856). Lines are open 8am-10pm Monday to Friday and 10am-8pm on Saturdays and Sundays (excl. bank holidays). Calls may be recorded.

 

Protection Benefits

 

Mobile phone insurance

Your phone is covered for loss, theft, accidental damage and if it stops working.

What's included?

- You're automatically covered but we recommend that you register your handset to make the claims process quicker
- Worldwide cover for your mobile phone against loss, theft, unauthorised calls, damage or breakdown. Please note if you're outside the UK we won’t replace your device until you return 
- Two successful claims during any 12 month period (£75 excess applies)
- Unauthorised calls following loss or theft for up to £2,500 (inc VAT) for monthly contracts and £100 (inc VAT) for pay as you go customers
- Accessories covered up to £250

 

What you need to know

- Devices with a screen size more than 7 inches are not covered
- Your phone is not covered if another person is using your phone (even if you have given that person permission)
- Our replacement phones are refurbished models and include a 12 month warranty

 

How do I make a claim?


- All claims must be reported to the insurer as soon as possible, but always within 60 days of discovering the loss or other incident
- If your phone has been lost or stolen, you must contact your network provider within 24 hours (48 hours if you're outside the UK)
- If your phone is stolen, you should inform the police and get a crime reference number as soon as reasonably possible



Register a claim online or call us on 0345 607 5154 (Minicom 0370 600 0856). Lines are open 8am-8pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 10am-6pm on bank holidays, closed on Christmas Day. Calls may be recorded.

 

Lifestyle benefits

 

Ticket booking service

Book through us to receive 25% cashback on tickets for theatre, dance, opera, concert performances and more throughout the UK and Ireland.

What's included?

- Order up to six tickets through the booking service for each event, up to four bookings a year

 

What you need to know

- You can order more than six tickets, but you will pay full price for any additional tickets
- You can't resell your tickets and must also be attending the event
- Cashback is calculated on the full price of the ticket including fees and will be paid into your account within 30 days 
- Tickets for sporting events can only be booked online

 

How do I book discounted tickets?

Book online or by calling us on 0345 607 5154 (Minicom 0370 600 0856). Lines are open 8am – 10pm Monday to Sunday, 364 days a year (excluding Christmas Day). Calls may be recorded.

Please note tickets for sporting events can only be booked online.

tastecard™

2-for-1 meals or 50% off at thousands of restaurants across the UK. Use the tastecard™ app to find out more details about participating restaurants.

What you need to know

- Exclusions on offers and available days may apply, check with participating restaurants
- Remember to take your card with you
- Bookings must be made by the account holder and some restaurants require reservations in advance
- Renewal cards will be sent out to your account address close to time your current card expires

Use your tastecard™

 

How to use your card

You can make a booking once you receive your tastecard. Only you can make a booking with your tastecard for you and your dining party. Before booking check what offer and times are available for the participating restaurant you wish to book and remember to take your card with you.

 

How to order a replacement card


You can order a replacement tastecard for £15 (at your cost) by calling 0345 607 5154 (Minicom 0370 600 0856). Lines are open 8am-8pm Monday to Friday, 9am-6pm Saturday, 10am-5pm Sunday and 10am-6pm on bank holidays, closed on Christmas day. Calls may be recorded. Payment must be by credit or debit card. Your credit or debit card will be charged when you place the order.

 

Your documents

 

Account terms and policies

Important information about your account.

We may update them from time to time, but we will always show the latest versions here. Please print or save a copy for your records. You will need Adobe Reader to view these documents. Get Adobe Reader.

 

Personal and Private Current Account Terms

MyRewards Terms

Silver Insurance Policy Summaries (including Keyfacts about our insurance services)

Silver Travel Insurance Policy

Silver Benefit Terms

Unsure what Rewards you are earning?

The Rewards you earn depend on your account. To find out more, choose what kind of customer you are:

  • Reward

  • Select

  • Cashback Plus

Reward

If you have a Reward account you are currently earning:

3% Rewards on household bills paid by Direct Debit

at least 1% Rewards at our Partner retailers and in personalised offers

Get the most out of your Rewards

Would you like to earn more? With one of our Reward credit cards you could be earning:

  1% Rewards at supermarkets, and at least 1% at our Partner retailers and in personalised offers

  0.5% everywhere else you shop at home and abroad

  and 1% extra when you pay using contactless (offer ends 31st December 2016)

Plus we'll refund the annual fee if you also have a Reward current account

Compare our credit cards

Select

If you have a Select account, and did not sign up for Cashback Plus before 12th October 2015, you are not earning any Rewards.

Change to a Reward account to start earning:

3% Rewards on household bills paid by Direct Debit

at least 1% Rewards at our Partner retailers and in personalised offers

Change to a Reward account

Reward accounts are available to UK Residents over 18 in Royal Bank of Scotland branches in Scotland and Holts, Drummond or Child & Co customers. For an additional £2 per month, on top of your monthly account fee. 

Cashback Plus

MyRewards is the new name for Cashback Plus. If you signed up for Cashback Plus before 12th October 2015, you are currently earning:

at least 1% Rewards at our Partner retailers and in personalised offers

Start earning more with a Reward account:

get 3% Rewards on household bills paid by Direct Debit

Change to a Reward account

Reward accounts are available to UK Residents over 18 in Royal Bank of Scotland branches in Scotland and Holts, Drummond or Child & Co customers.  For an additional £2 per month, on top of your monthly account fee.

Rewards explained

What are Rewards?

They're simple

You automatically earn Rewards on seven selected household bills paid by Direct Debit and on purchases at partner retailers. 5.00 in Rewards = £5.00.

 

They could grow quickly

There's no limit to the Rewards you can earn. On average, currently our customers earn £120 per year in Rewards, based on average monthly Direct Debits of £333 (£4,000 per year) and excluding the monthly fee.

 

They're easy to exchange

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 or codes at selected retailers or converted to money and donated to participating charities.

How do I earn Rewards?

3% back in Rewards on seven household bills

You will earn Rewards on the following bills when you pay by Direct Debit from your Reward bank account; Council Tax, mobile, landline, TV package, gas, electricity and broadband.

 

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

 

 

At least 1% back in Rewards at partner retailers

After you've opened your account, you'll receive personalised retailer offers where you can earn extra Rewards when you use your Royal Bank of Scotland debit card. To view your personalised offers, exchange any Rewards and to check your Rewards balance, you will need to register on the MyRewards site.

How do I exchange Rewards?

As soon as your available Rewards balance is the equivalent of £5 or more, you can login to MyRewards to exchange them. To login you will need to register, using your debit card. You can then choose from the following.

 

 

Bank it

Convert your Rewards into money. You can then transfer the money into your Royal Bank of Scotland bank account or use towards reducing your Reward credit card balance. The funds will be cleared in your chosen account within 5 working days.

 

Trade up

Exchange your Rewards for gift cards or codes at our selected partner retailers.

 

Donate

Convert your Rewards into money, which can be donated to one of our chosen charities.

   

Getting the most of your account
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