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Our everyday bank account - Select

Open our Select
bank account

Our most in-demand bank account makes banking simple

Easy-to-use mobile banking app

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

Arranged overdraft available (subject to eligibility)

No monthly fee

 

Budget better, spend less

Spending will put your transactions in to categories, giving you a detailed view of where your money is going.

Available to customers aged 16+ who hold a Personal or Premier current account.

Check your credit score for free

Get on top of your finances by regularly monitoring your credit score in our mobile app

Available once opted in via the app (to customers aged 18+ with a UK address - provided by TransUnion).

View your accounts with other banks

View balances and transactions on selected accounts with participating UK banks. All your money on one screen.

You need to be registered for online banking with your other banks.

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

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)

Get rewarded for saving regularly

We've just added Digital Regular Saver to our range of savings accounts. You'll get our highest interest rate when you save between £1-£50 by standing order each month, on balances up to £1000. What are you waiting for?

Specific account eligibility criteria and conditions apply.

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.

How to open an account online

Apply online

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

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.

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.

Your account is open

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

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

  • are aged 18 or over and a UK resident

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.

All okay? You’re nearly ready to start.

To speed up your application for our Select account, we need to do a few final checks with you. They'll only take a minute.

Do we already know you?
If you have a current account, credit card, loan or savings account with the Royal Bank of Scotland please let us know.

You’re all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a utility bill or bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Do you have a current account with Royal Bank?
What would you like to do today?
Do you know your Digital Banking details?
If you log in to Digital Banking we can pre-fill some of the application for you.

You’re all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a utility bill or bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

You’re all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a utility bill or bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

Which account would you like to change?

You're all set...

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your existing account, the account details and debit card will stay the same.

You're all set...

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your existing account, the account details and debit card will stay the same.

You’re all set

You’ll need these bits of info handy for your application:

  • The account number, sort code and debit card number of the bank account you want to switch to Royal Bank
  • The account number and sort code of your existing Royal Bank current account

The Current Account Switch Service will move everything across from your old bank account to your Royal Bank current account within 7 working days. 

Do you know your Digital Banking details?
If you log in to Digital Banking we can pre-fill some of the application for you.

You’re all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a utility bill or bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.

You’re all set

Depending on what ID we need to see, we may ask you for:

  • Photo ID, such as Drivers licence, Passport or EU ID card
  • Proof of your address, such as a Utility bill or Bank statement

Look out for an email and text after you have applied from our security partners, DigiDocs. It'll have a link to securely upload your documents for us to check.