Reward Black Account | Royal Bank of Scotland Private

Reward Black Account

Reward Black

Worldwide travel insurance and airport lounge access

24/7 concierge service and mobile phone insurance

2% Rewards on selected household bills

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Available to all customers with a sole income of at least £100,000 paid into their Royal Bank of Scotland account, or minimum outstanding mortgage borrowings with us of £300,000, or savings and investments of at least £100,000 held with us. Please note that this account type will not be available for any of our Royal Bank of Scotland England and Wales branch based customers who are due to transfer to Williams & Glyn in the future.

Please note that, up to 25th June 2017, the Reward Black Account monthly account fee is £28 and you will earn 3% back in Rewards on any qualifying household bill Direct Debits. 

From the 26th June 2017, the Reward Black Account monthly account fee will remain at £28 and you will earn 2% back in Rewards on any qualifying household bill Direct Debits.

All these great benefits for £28 per month

Travel Benefits

Worldwide Travel Insurance

Worldwide travel insurance that covers you and your family for trips up to 90 days (including 31 days for winter sports). The policy also includes £10 million medical expenses cover (Underwritten by U K Insurance Limited).


What you should know:

  • Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey,  (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married or in a Civil Partnership
  • Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting
  • No extra premium because of your age
  • If you have a medical condition, please click here or call 03457 24 24 24 (Minicom 0800 404 6160) to confirm your premiums and cover. 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.
  • All our insurance products are underwritten by U K Insurance Limited.
Preferential rates on Travel Money service

As a Reward Black customer 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.
Worldwide Airport Lounge Access

With Priority Pass™ you have unlimited access to over 850 VIP airport lounges around the world. You can also bring travel guests, for a payment of £15 each.


What you should know:

  • We'll automatically send you a membership card to Priority Pass™ in the post when you open or upgrade to a Reward Black Account
  • Make sure you visit the Priority Pass website before you travel
  • You will need your membership card to gain access to lounges. If you have a joint account and are travelling with the other account holder, both account holders will need to have their individual membership cards with them.
Black Travel Services
  • 10% off selected holidays from a number of major tour operators including Thomas Cook, Thomson, First Choice, Cosmos and Crystal
  • 10% on airport hotels, car hire, transfers and tickets for attractions abroad that you book through the service
  • Complimentary car hire upgrade when booked through the service

What you should know:

  • No credit card or booking fees
  • No limit to the number of times you may use the service
  • Charges apply to cancellations or changes to bookings.

Protection Benefits

Family Mobile Phone Insurance

Your policy covers loss, theft, accidental damage and if your phone stops working (Underwritten by Aviva Insurance Limited).

What you should know:

  • Covers up to four phones for you, your partner and/or phones of your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside of term time)
  • 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
  • The replacement value per phone is unlimited (excluding cosmetic embellishments with precious metals, stones or crystals)
  • There is a £75 excess.
UK & European Car Breakdown Cover

Our partners, Green Flag provide UK & European Car Breakdown cover which includes returning you and your vehicle to your home address in the UK and options to get you to your destination if your vehicle can’t be fixed (Underwritten by U K Insurance Limited).


What you should know:

  • Includes Homecall when your car won’t start at home
  • Roadside assistance, anywhere in the UK and Europe
  • For European trips outside the UK, cover only applies for vehicles less than 16 years old at the start of the trip
  • There is no vehicle age limit for UK journeys
  • Cover for vehicles you own that are kept and registered at your home address
  • Anyone driving or travelling in the vehicle owned by you is covered too
  • Limited to 5 callouts in any 12 months
  • Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
Home emergency service
  • 24/7 home emergency cover up to £750 including VAT (Underwritten by U K Insurance Limited)
  • Cover for two homes – your main residence and any second home you own in the UK (excluding properties you rent out)
  • Approved repairers - finding someone you can count on can be a challenge, but we have taken care of that

Main exclusions:

  1. External water supply pipes
  2. Boilers over 10 years old, or with an output over 70kw
  3. Any emergency if your home has been unoccupied for more than 60 consecutive days
  4. Detached garages and outbuildings
  5. Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man

It's important to remember that this is not a household buildings or contents insurance policy, or an equipment maintenance contract.

Lifestyle benefits                                    

Black Concierge Service

Our 24/7 Black Concierge Service can help you with such things like:

  • Getting your hands on hard-to-get theatre tickets or booking a table at a top restaurant anywhere in the World
  • Recommending and securing a special gift for any occasion, even gift-wrapped if you need it
  • Booking an executive car
  • Creating that trip of a lifetime
Black Ticket Service


Receive 25% cashback on tickets for theatre, dance, opera, concert performances and more throughout the UK and Ireland.


What you should know:

  • Order up to six tickets through the booking service for each event, up to four bookings a year
  • Tickets can be booked by phone or online via the membership services website
  • Cashback is calculated on the full price of the ticket including any booking fees

How do I get my cashback?

  • You don't need to do anything. It will be paid into your Reward Black Account within 30 days of your booking.

Earn Rewards with Reward Black account

That’s 2% back on your council tax, gas, electricity, mobile, phone, TV and broadband. That means for every £100's of household bills you get £3 back.

Once you've earned Rewards, you can choose from three great ways to redeem them: change your Rewards into money, exchange Rewards for gift cards from retailers and change Rewards into money for charity.

2% on selected household bills

1% at partner retailers 

1% or more on your personalised offers

Reward Black – Current account rewards - Royal Bank of Scotland Earn even more Rewards with Reward Black credit card

The Reward Black credit card could be the perfect partner for your Reward Black current account. You can earn 1% Rewards on your purchases in supermarkets (0.5% at their petrol stations). You also won't pay any foreign transaction fees when you use your card abroad.

Representative 33.6% APR (variable)

Annual fee applies and is then refunded as you have a Reward Black current account

To apply you must be earning over £15k p.a. and be a mainland UK resident

Get a Reward Black credit card
Reward Black – Current account rewards - Royal Bank of Scotland Switching to Royal Bank of Scotland

Moving your banking to us is simple and hassle free.

Want to close your bank account at your old bank?
7 Day Current Account Switch Service:
- Transfer your regular payments (Direct Debits, Standing Orders and Bill Payments) from your old account
- Transfer any credit balance from your old account
- Close your old account

You also can keep your old account and move only some of your Direct Debits.

More about Switch Service
Apply for a Reward Black account?
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