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Packaged bank accounts

Change your bank account
to a Reward Silver

Available to existing current account customers only

Even more benefits with a Reward Silver bank account

Earn Rewards

Insurance cover for European travel

Mobile phone 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.

£10 monthly fee

Important guidance on your travel insurance

You should refer to the policy terms and conditions for details of the cover provided.  We know you will want to understand how that applies to the Covid-19 pandemic and this is summarised below for some of the main queries we receive.

Your Travel insurance will provide cover for cancelling a trip if:

  • you have Covid-19, or
  • you are quarantined before your trip starts

As long as you weren’t aware of this reason to cancel when you booked the trip or your cover started, whichever is later. 

You will also be covered for cancelling a trip if:

  • the Foreign & Commonwealth Office (FCO) is advising against travel due to Covid-19, as long as this advice wasn’t in place when you booked the trip or your cover started, whichever is later.

When there is no FCO advice against travel, you will be covered whilst on a trip for emergency medical expenses including reasonable additional travel costs and for cutting short a trip due to Covid-19.

Compare our Reward accounts

Features and benefits

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? This account offers European travel insurance that covers you for up to 22 days per trip. The policy also includes winter sports cover. Underwritten by U K Insurance Limited.

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 use your Reward Silver debit card abroad.

Insurance

Mobile phone insurance

When bad things happen to your mobile, you need good cover. 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.

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 debt 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.

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

For our existing customers

To upgrade or switch you need to be an existing Royal Bank current account customer.

We're not accepting applications for new accounts at this time. We apologise for any inconvenience 

Switch to Royal Bank

Switch a current account held elsewhere to your existing account using the Current Account Switch Service.

Upgrade or change my account

Change your existing Royal Bank current account online.

Change my sole account