Personal & Private customers

Current Accounts and Savings Terms & Conditions


For customers with a Revolve, Student, Graduate, Basic, Select, Select Silver, Royalties Gold, Select Platinum or Black Account, the terms below apply to your account:

RBS Personal & Private Current Account Terms and Conditions (PDF, 169KB)

For all other current and savings account customers, the terms below apply to your account:

Personal and Private Banking Terms and Conditions (PDF, 239KB)

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Rates & Charges

Find out more about rates & charges that relate to your account

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

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