£175 when you Switch and Stay

Open a Reward bank account

Rewards are our way of giving you something back

Earn 2% in Rewards on 7 types of household bills paid by Direct Debit. On average our Reward customers earn £83 a year in Rewards (not incl. monthly fee) based on monthly bills of £345

Plus, earn at least 1% back in Rewards on spend with our partner retailers

Like all of our current accounts, you can use Apple Pay and Google Pay™ for payments with your phone, and Paym, to send money securely with just a telephone number and our mobile banking app

£2 monthly fee

Switch and stay for £175 - offer ending soon!

Get £125 when you switch and another £50 when you're still with us a year later. This offer is available to new and existing customers in the UK. Follow the steps below to switch:

Apply for an account

Apply for a new account or switch in to an existing account with us by 28th June.

Tell us you want to switch

When you're applying, select to switch to us. The Current Account Switch Service will then move your existing payments and close your account held elsewhere.

Pay in and log in

Once your account is open pay in at least £1,500 and log in to Digital or Mobile Banking by 2nd August. We'll then pay the £125 by 30th August.

Use your new debit card

Use your debit card for the account at least once a month and we'll pay you £50 by 30th June 2020.

Features and benefits

Rewards

What are Rewards?

Rewards are our way of giving you something back. Get rewarded on 7 types of household bills paid by Direct Debit. Your Rewards balance can grow quickly, they’re easy to earn and they’re easy to exchange.

How do I earn Rewards?

You’ll earn 2% back on eligible household bills paid by Direct Debit and at least 1% at our partner retailers.

How do I exchange Rewards?

It’s easy. Once your balance has grown to at least £5, we’ll give you a choice of what you can do with them. You can bank them, trade them or donate them to one of our chosen charities.

Not sure Rewards are for you?

View our everyday bank account with no monthly fee and all the standard features that help make your banking hassle free.

Other features...

Switch bank accounts

£175 when you switch and stay with Royal Bank. We'll help you switch bank accounts with the Current Account Switch Service.

Mobile app

Stay in control of your money with our easy to use mobile banking app.

Arranged Overdraft

There for those unexpected bills that can pop up occasionally.

How to apply online

Have ID ready

We’ll need some details from you, such as your address history, monthly income and some ID.

Start your application

You can apply online right now if you are ready. Just use the section below to tell us about yourself.

How long will it take?

You should be able to complete the online application within an average lunch break.

Ready to apply

You can apply if you are:

  • Aged 18+ and a UK resident
  • And have not been declared bankrupt in the past 6 years

To earn Rewards on your household bills, you need to:

  • Log into Digital or Mobile Banking at least once every three months
  • Pay in £1,500 each calender month to any personal current account you have with us (excluding Foundation). The £1,500 can’t be transferred from another of your Royal Bank of Scotland accounts. 

Not sure Rewards are for you?

View our everyday bank account with no monthly fee.

Please review the important legal stuff:

By clicking continue you’re confirming that you’ve been provided with, and have acknowledged our important documents, including the FSCS information sheet. By proceeding with your application you also agree that you’ll receive your statements in a paperless format. We'll send you an email when your statements are ready to view in Digital Banking.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Ready to continue?

I am...

To get the £175 switch and stay offer you must:

  • Switch to Royal Bank by the 28th June 2019. During the application, select to switch your account held elsewhere. We'll then use the Current Account Switch Service to move your payments and close your account held elsewhere.
  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

Please note, you will not be eligible for the switch and stay offer: 

  • If you've had cashback for switching to us (or NatWest) since October 2017.
  • If during your application you qualify for a Foundation account instead of a Reward account. The Foundation account is not eligible for the switch and stay offer. 

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.

I would like to...

I want to change my...

Please note:

Changing your existing account doesn't qualify for the switch and stay offer.

To qualify you must close and switch a current account held elsewhere in to your Royal Bank account.

Great, looks like you're all set and ready to go.

Please note:

Changing your existing account doesn't qualify for the switch and stay offer.

To qualify you must close and switch a current account held elsewhere in to your Royal Bank account.

Great, looks like you're all set and ready to go.

I know my Digital Banking details...

To get the £175 switch and stay offer you must:

  • Switch to Royal Bank by the 28th June 2019. During the application, select to switch your account held elsewhere. We'll then use the Current Account Switch Service to move your payments and close your account held elsewhere.
  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

Please note, you will not be eligible for the switch and stay offer: 

  • If you've had cashback for switching to us (or NatWest) since October 2017.
  • If during your application you qualify for a Foundation account instead of a Reward account. The Foundation account is not eligible for the switch and stay offer. 

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.

To get the £175 switch and stay offer you must:

  • Switch to Royal Bank by the 28th June 2019. During the application, select to switch your account held elsewhere. We'll then use the Current Account Switch Service to move your payments and close your account held elsewhere.
  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

Please note, you will not be eligible for the switch and stay offer: 

  • If you've had cashback for switching to us (or NatWest) since October 2017.
  • If during your application you qualify for a Foundation account instead of a Reward account. The Foundation account is not eligible for the switch and stay offer. 

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.

I have a Royal Bank of Scotland Reward account...

To get the £175 switch and stay offer you must:

  • Switch into your existing Royal Bank account by the 28th June 2019. When you switch you'll need to agree to close your account held elsewhere. We'll then use the Current Account Switch Service to move your payments and close your account held elsewhere.

Once the switch is complete you need to:

  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

We're sorry but if you've had cashback for switching to us since October 2017 you won't be eligible for this offer.

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.

To get the £175 switch and stay offer you must:

  • Switch to Royal Bank by the 28th June 2019. During the application, select to switch your account held elsewhere. We'll then use the Current Account Switch Service to move your payments and close your account held elsewhere.
  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

Please note, you will not be eligible for the switch and stay offer: 

  • If you've had cashback for switching to us (or NatWest) since October 2017.
  • If during your application you qualify for a Foundation account instead of a Reward account. The Foundation account is not eligible for the switch and stay offer. 

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.