£175 when you Switch and Stay

Select - Open our
everyday bank account

Make banking simple with our everyday bank account

This Select account has no monthly fee

Get a contactless Visa Debit Card - make payments under £30 with one tap

Use Apple Pay and Google Pay™ for payments with your phone, and Paym, to send money securely with just a telephone number and our mobile banking app

Switch and stay for £175

Get £125 when you switch and another £50 when you're still with us a year later. This offer is available to new and existing customers in the UK. Follow the steps below to switch:

Apply for an account

Apply for a new account or switch in to an existing account with us by 28th June.

Tell us you want to switch

When you're applying, select to switch to us. The Current Account Switch Service will then move your existing payments and close your account held elsewhere.

Pay in and log in

Once your account is open pay in at least £1,500 and log in to Digital or Mobile Banking by 2nd August. We'll then pay the £125 by 30th August.

Use your new debit card

Use your debit card for the account at least once a month and we'll pay you £50 by 30th June 2020.

Features and benefits

Switch bank accounts

£175 when you switch and stay with Royal Bank. We'll help you switch bank accounts with the Current Account Switch Service.

Switch bank accounts

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

To get the £175 switch and stay offer you must: 

  • Apply for a new account or switch in to an existing account with us before 28th June. 
  • Complete your switch using the Current Account Switch Service.  
  • Pay in at least £1,500 and log in to Digital or Mobile Banking by 2nd August. We'll then pay you £125 by 30th August. 
  • Use your debit card for the account at least once a month and we'll pay you £50 by 30th June 2020. 

This offer is available to new and existing customers who are resident in the UK. 

We're sorry but if you've had cashback for switching to Royal Bank of Scotland (or NatWest) since October 2017 you won't be able to get it again. 

This offer can be withdrawn at anytime. 

Before switching take a look at the full offer Terms and Conditions 

How does the Switch Service work?

Mobile banking app

Our mobile banking app is simple, secure and lets you manage your money wherever you are.

Mobile banking app

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.

App available to customers with Digital Banking and a UK or international mobile number in specific countries.

More about our Mobile Banking app

 

Joint account

You can open this as a joint bank account, so two people can manage the finances.

Joint account

Opening this as a joint account is the perfect way to manage shared payments, bills and rent together. Just bear in mind that we'd like to see ID details from both people that would like to open the account. 

 

Arranged overdraft

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

Arranged overdraft

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

Pay with a single tap using your contactless Visa debit card.

Visa debit card

Whether it's that morning coffee, the weekly shop or a wee treat, your contactless Visa debit card will take care of things with one tap.

Supporting you

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

Supporting you

Access your account wherever, whenever with 24/7 banking through digital banking, our mobile app or one of our UK call centres.

Text alerts are another way to keep tabs of your money. You can set up text alerts to know your balance at a specific time, or if your money goes below a certain limit. Alerts help to easily manage Direct Debits such as household bills, regular payments or gym memberships.

How to open an account 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.

Ready to apply

You can apply for this Select account if you are:

Aged 18+ and a UK resident

Please review the important legal stuff:

By clicking continue you’re confirming that you’ve been provided with, and have acknowledged our important documents, including the FSCS information sheet. By proceeding your application you also agree that you’ll receive your statements in a paperless format. We'll send you an email when your statements are ready to view in Digital Banking.

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.

Ready to continue?

I am...

To get the £175 switch and stay offer you must:

  • Switch to Royal Bank by the 28th June 2019. During the application, select to switch your account held elsewhere. We'll then use the Current Account Switch Service to move your payments and close your account held elsewhere.
  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

Please note, you will not be eligible for the switch and stay offer: 

  • If you've had cashback for switching to us (or NatWest) since October 2017.
  • If during your application you qualify for a Foundation account instead of a Select account. The Foundation account is not eligible for the switch and stay offer. 

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.

I would like to...

I want to change my...

Please note:

Changing your existing account doesn't qualify for the switch and stay offer.

To qualify you must close and switch a current account held elsewhere in to your Royal Bank account.

Great, looks like you're all set and ready to go.

Please note:

Changing your existing account doesn't qualify for the switch and stay offer.

To qualify you must close and switch a current account held elsewhere in to your Royal Bank account.

Great, looks like you're all set and ready to go.

I know my Digital Banking details...

To get the £175 switch and stay offer you must:

  • Switch to Royal Bank by the 28th June 2019. During the application, select to switch your account held elsewhere. We'll then use the Current Account Switch Service to move your payments and close your account held elsewhere.
  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

Please note, you will not be eligible for the switch and stay offer: 

  • If you've had cashback for switching to us (or NatWest) since October 2017.
  • If during your application you qualify for a Foundation account instead of a Select account. The Foundation account is not eligible for the switch and stay offer. 

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.

To get the £175 switch and stay offer you must:

  • Switch to Royal Bank by the 28th June 2019. During the application, select to switch your account held elsewhere. We'll then use the Current Account Switch Service to move your payments and close your account held elsewhere.
  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

Please note, you will not be eligible for the switch and stay offer: 

  • If you've had cashback for switching to us (or NatWest) since October 2017.
  • If during your application you qualify for a Foundation account instead of a Select account. The Foundation account is not eligible for the switch and stay offer. 

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.

I have a Royal Bank of Scotland current account...

To get the £175 switch and stay offer you must:

  • Switch into your existing Royal Bank account by the 28th June 2019. When you switch you'll need to agree to close your account held elsewhere.

Once the switch is complete you need to:

  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

We're sorry but if you've had cashback for switching to us since October 2017 you won't be eligible for this offer.

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.

To get the £175 switch and stay offer you must:

  • Switch to Royal Bank by the 28th June 2019. During the application, select to switch your account held elsewhere. We'll then use the Current Account Switch Service to move your payments and close your account held elsewhere.
  • Pay in at least £1500 and log in to Digital or Mobile Banking by 2nd August and we'll credit your account with £125 by 30th August.
  • Use your debit card for the account at least once a month and we'll pay you £50 in June 2020.

Please note, you will not be eligible for the switch and stay offer: 

  • If you've had cashback for switching to us (or NatWest) since October 2017.
  • If during your application you qualify for a Foundation account instead of a Select account. The Foundation account is not eligible for the switch and stay offer. 

Take a look at the full offer Terms and Conditions

Great, looks like you're all set and ready to go.