Manage Silver benefits - RBS

Manage your Silver benefits


An account that reflects your lifestyle

European travel insurance

Mobile phone insurance


Get started with your new account Log in to Membership Services

“Silver Account” refers to Select Silver and Reward Sliver accounts.

To apply for this account please go into your local branch.

Could you change to a Reward account?

I'm a customer living in Scotland

Change to a Reward account

You can change to our Reward account online if:

  • You are a UK resident over 18 based in a Scottish Royal Bank of Scotland branch
  • You are a Holts, Drummond or Child & Co customer

Reward accounts are not available to Royal Bank of Scotland customers in England and Wales

I'm a customer living in England or Wales

MyRewards - Customers in England & Wales

The free offer has now come to an end however you can still earn at least 1% Rewards at participating retailers.

You can view the MyRewards Terms & conditions here.

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

Call us  

- If you have a pre-existing medical condition or are aged 70 or over, call us on 0345 607 5154 (Minicom 0370 600 0856). 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.
- You can also purchase additional cover such as Business, Golf, Weddings & Hazardous Activities.


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.

RBS_Icon_ Eat out


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

RBS Rewards House
Add your signposting title here… Earn 3% Rewards on selected household bills paid by Direct Debit

That's gas bills, electricity bills, water bills, mobile phone bills, council tax bill, well... you get the idea. The more eligible Direct Debits you have with your RBS account the more Rewards you'll earn!

From 1st January 2016, if you hold a Reward, Reward Silver, Reward Platinum or Reward Black accountwith RBS you will earn Rewards on eligible direct debits from all current accounts you hold with us (excluding Basic, Foundation, Step or current account mortgage products).

Move your Direct Debits

Unsure what Rewards you are earning?

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

  • Cashback Plus

  • Select

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


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

Reward accounts are available to UK Residents over 18 in Royal Bank of Scotland branches in Scotland and Holts, Drummond or Child & Co customers 

Getting the most of your account
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