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Packaged bank accounts

Open a Reward Platinum
bank account

Reward Platinum Applications

Boost your travel and insurance benefits with our Reward Platinum account

Earn Rewards

Mobile phone insurance

UK car breakdown cover

Worldwide family travel insurance

Fee free debit card purchases abroad

Arranged overdraft available (subject to eligibility)

Choose your way to pay with Apple Pay, Google Pay™ or Contactless Visa Debit. Limits apply.

£20 monthly fee

Compare our Reward accounts

Features and benefits

Rewards

Earn Rewards

Earn £4 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. That's up to £5 a month back in Rewards to spend on whatever you like!

Exchange Rewards

Once you reach £5 in Rewards, the choice is yours. Bank it into your RBS bank account, trade up for gift cards and e-codes with our retail partners, or donate to one of our chosen charities.

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 Non-Sterling Transaction fee when you using your Reward Platinum debit card abroad.

Insurance

Mobile phone insurance

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by American International Group UK 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.

Mobile Banking

Get closer to where your money goes

Spending money is easy and so is keeping an eye on it with our budget tool in your mobile app. You must be aged 16+. Only available for Personal and Premier Current accounts.

Get cash without your card

Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked).

Mobile app eligibility

App available to customers aged 11+ with a compatible iOS and Android devices and a UK or international mobile number in specific countries.

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

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.

Important Information

First things first. You can apply if you:

  • are aged 18+ and a UK resident

Not sure a Reward account is for you? Look into our Select everyday bank account with no monthly fee.

Now please take a look at the important legal info

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.