When you open a Reward Silver account, you’ll earn Rewards on eligible household bills. You could earn £83 on average in Rewards a year. This figure is based on paying 7 types of eligible household bills of £345 a month and is before the Reward monthly account fee is paid. 5.00 Rewards = £5.00.

When you open a Reward bank account, you’ll earn Rewards on selected household bills. You could earn £83 on average in Rewards a year. This figure is based on paying 7 types of selected household bills of £345 a month and is before the Reward monthly account fee is paid. 5 Rewards = £5.00.

Earn 2% back in Rewards on eligible household bills

You’ll automatically earn Rewards on the following bills as long as you pay them by Direct Debit: Council Tax, gas, electricity, mobile, landline TV package and broadband. Payments to billing organisations which are for other services such as maintenance, repairs or insurance will not earn Rewards.

Earn 1% back in Rewards at partner retailers

You can earn at least 1% at our partner retailers when you use your Royal Bank of Scotland debit card.

Earn additional Rewards when you shop with our Reward credit card. Representatative 23.7% APR (variable). Annual fee applies - refunded if you have a Reward current account.

To apply you must be 18+, a mainland UK resident and earning at least £10k per year.

Once you have opened your Reward Silver bank account you can set up a MyRewards account. This is where your Rewards are automatically stored. It’s also where you go to check your personalised offers or your Rewards balance. 5.00 Rewards = £5.00. Once it’s the equivalent of £5 or more, you can choose any of the following:

Bank it

Convert your Rewards into money by simply transferring it into your Royal Bank of Scotland bank account. It takes 5 days to clear into your chosen account.

Trade up

Exchange your Rewards for gift cards or codes at our selected partner retailers.

Donate

Convert your Rewards into money and donate it to one of our chosen charities.

The policy covers you and joint account holders.

If you or your joint account holders are aged 70 or over, there’s a £75 annual premium per person insured aged 70 or over.

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions please call 0345 607 5154 (or Minicom number 0370 600 0856). If you have an existing medical condition, you may have to pay an additional premium or accept that your cover may exclude certain conditions.

Order in advance online or over the phone. Orders must be through Membership Services to receive preferential rates. Minimum order of £100 applies, maximum £2,500.

Use your Reward Silver debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.

No Foreign Purchase fee when you make a payment outside the UK or payment in a foreign currency.

Not valid for ATM withdrawals. Other local fees may apply.

Covers the phone you use on a daily basis.  If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis.  There is no cover for phones owned by your employer.

1 successful claim can be made on this policy in any 12-month period.  If this is a joint account, both account holders can make 1 successful claim, with a maximum of 2 per account.

Claims are settled by repairing your phone, where possible.  If we are unable to repair your phone, or it has been lost or stolen, we will replace the phone.  Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts.

There is a £100 excess for each successful claim.

Buy online through Membership Services and take advantage of up to 40% off the price of cinema tickets.

Valid at over 250 UK cinemas including Vue, ODEON and Showcase

Any day, any time, any film

Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other “event” type days.

Where restaurants offer 50% off they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.

Some restaurants require the customer to book prior to arriving.