Bank accounts

Our everyday
bank account

No monthly fee

This everyday bank account is called Select

With it you can get some great time-saving features, like a contactless Visa debit card and an easy-to-use mobile app, so you can just get on with life.

Product features…

Mobile Banking app

Our Mobile Banking app is secure, easy-to-use and lets you do loads of useful everyday banking tasks when you’re out and about. It’s available to Digital Banking customers with a UK mobile number.

Mobile Banking app - in detail

Log in with your fingerprint on selected Apple and Android devices – it’s simple, secure and fast.

View, cancel and amend your regular payments – so you can manage your bills where and when it suits you. Limits apply.

Easily pay family and friends using their mobile number - (as long as they have our mobile app or are registered for Paym). Pay Your Contacts makes it quick and easy, and they’ll get the money instantly. Limits apply.

Get cash without your card – Ideal if you’ve left your card at home. Simply go to any Royal Bank of Scotland or Tesco cash machine and follow the steps in the app. You can withdraw up to £130 every 24 hours.

That’s only half the story. Find out what else you can do with our app.

More about our Mobile Banking app

Joint account

You can open this account as a joint bank account, so two people can manage the finances. It can be ideal if you need to make shared payments, e.g. household bills, rent etc.

Joint account - in detail

When applying, make sure you have the ID details for both people who are looking to open the joint account.

Arranged Overdraft

To help you out with those unexpected bills that can pop up occasionally.

Arranged Overdraft - in detail

An Arranged Overdraft is a short-term way to borrow and can be a really useful way to pay for unexpected bills. An Arranged Overdraft means we’ve approved extra funds for you, which are available on your current account.

What you should know

You can arrange an overdraft with this bank account. We will only charge you interest and/or fees if you use your Arranged Overdraft. Subject to eligibility.

How much will I get?

It depends. We’ll look at your individual circumstances and decide on your overdraft limit. We’ll take into account age, earnings and credit rating.  For example, if you get an Arranged Overdraft limit of £1,200 on your bank account and use all of it, you will be charged Arranged Overdraft interest at 19.89% EAR (variable) and a monthly usage fee of £6.

Visa debit card

Make purchases. Withdraw cash. Pay contactless.

Visa debit card - in detail

Use your Visa debit card to pay for purchases in shops and online, travel, meals out, coffees etc.

What is contactless?

Want to pay quickly and securely for amounts of less than £30? Just look for the contactless symbol, then touch your card against the reader. Simple as that! You can also pay contactless by using Apple Pay or Android Pay

24/7 banking

Access your account wherever, whenever.

24/7 banking - in detail

Because we all lead busy lives, we’ve made it easy for you to access your account whenever it suits you, through our Digital Banking or our Mobile Banking App. Alternatively call one of our UK call centres, available 24 hours a day.

Everyday support

Text alerts, email alerts, manage Direct Debits and more.

Everyday support - in detail

Our bank accounts are designed to help you with your day to day banking needs. You can set up text alerts and manage Direct Debits as a convenient way to pay household bills or memberships to gyms etc.

What are text alerts?

Text alerts are a really neat way of keeping tabs on your money. You can get a text alert to let you know when your balance is about to go below a certain limit, or to let you know what your balance is at a specific time.  You can set them up when you fill in the online application form or in our Mobile Banking app. 

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.

You can apply if you are:

Aged 18+ and a UK resident

Please review the important legal stuff:

By clicking to continue you're confirming that you've been provided with, and have acknowledged our important documents, including the FSCS information sheet.

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.

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