Packaged bank accounts

Open a Reward Platinum
bank account

What you get with Reward Platinum

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

Earn at least 1% back in Rewards on spend with our partner retailers

Covers your mobile phone against damage, breakdown, loss and theft

Also provides UK car breakdown cover, multi-trip worldwide travel insurance and much more

Pay with your phone with Apple Pay and Google Pay™ and bank on the go with our easy to use mobile app

£20 monthly account fee

Features and benefits

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 Reward balance can grow quickly, they’re easy to earn and they’re easy to exchange.

How do I earn Rewards?

You’ll earn 2% 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.

Travel

Travel insurance

Do you love to travel? Our worldwide travel insurance covers you and your family for trips of up to 31 days. The policy also includes winter sports and £10 million medical expenses cover (underwritten by U K Insurance Ltd).

Travel services

Planning a weekend getaway, family holiday or a romantic trip away? Your money goes further when you use the Platinum Travel Service with discount off breaks, holidays, car hire and overseas travel.

Travel money

Get great deals on foreign currency from our Travel Money Service. We'll even deliver the money to your door.

Fee free debit card purchases abroad

No Foreign Purchase fee when you using your Reward Platinum debit card abroad.

Insurance

Mobile phone insurance

When bad things happen to your mobile, it's good to be covered. Our policy covers loss, theft, accidental damage and breakdown (once your warranty has expired). Policy underwritten by Aviva Insurance Limited.

UK car breakdown cover

If your car breaks down away from home, you’re sorted. Our partners Green Flag will get you and your vehicle home or to your preferred location, anywhere in the UK. Policy is underwritten by U K Insurance Limited.

Lifestyle

Cinema discount

Take advantage of up to 40% off the price of cinema tickets.

tastecard

If you love eating out, you’ll love this offer: get 2 for 1 or 50% off your food bill at thousands of restaurants UK wide.

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

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

RBS - Step 1

Apply online

During the application we'll ask for information about you such as your address, job etc. So have these ready.
RBS - Step 2

Provide your ID

You'll need to provide proof of your ID and address. You might be able to do this online, look out for an email from us.
RBS - Step 3

Check your details

We'll check we have everything we need to open your account. Look out for your new debit card in the post.
RBS - Step 4

Your account is open

Start using your new account. Log in to Digital banking and download our mobile app to bank on the go.

Ready to apply

You can apply if you are:

Aged 18+ and a UK resident.

To earn Rewards you need to log into Digital or Mobile Banking at least once every three months 

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

What you need to know

Your ‘Insurance Product Information Document’ and your ‘What You Need to Know’ are available in a paper format. Let us know if you’d like this posted to you.

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...

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

I would like to...

I want to change my...

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

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

I know my Digital Banking details...

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

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

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

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

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