Bank accounts

Switch to us
and get £125

An everyday bank account

Our everyday bank account is called Select. With this account you can get a range of time-saving features, such as a contactless debit card and our easy to use, Mobile Banking app.
To apply, you must be 18+ and a UK resident.

Select account

No monthly fee

  • Easy to use Mobile Banking app
  • 24/7 Digital Banking
  • Contactless debit card
  • Option to apply for an overdraft
  • Switch online and get £125. Conditions apply

Reward bank accounts

If you want more from your bank account, like being able to earn Rewards or travel or mobile phone insurance, one of our Reward accounts might be just the thing. All these accounts come with all the great features of our Select everyday bank account.
To apply, you must be 18+ and a UK resident. To earn Rewards you need to access Digital or Mobile Banking once every 3 months.

Reward account

£2 monthly fee

  • 2% back in Rewards on eligible household bills
  • At least 1% back in Rewards at our partner retailers
  • Pay at least £1,500 into your account every month
  • Switch online and get £125. Conditions apply

Reward Silver

£10 monthly fee

  • Mobile phone insurance
  • European travel insurance
  • Discounts on eating out with tastecard
  • 2% back in Rewards on eligible household bills
  • Switch online and get £125. Conditions apply

Reward Platinum

£20 monthly fee

  • Mobile phone insurance
  • Worldwide travel insurance
  • UK car breakdown cover
  • 2% back in Rewards on eligible household bills
  • Switch online and get £125. Conditions apply

Switch to Royal bank

This offer is available to new and existing customers. Just use the Current Account Switch Service to close your account held elsewhere and switch to us before the 3rd of December. Offer available online and in branch.

You'll need to pay in at least £1,500 and log in to online or mobile banking by 7th of January 2019, we'll then pay the £125 by 8th of February.

If you have previously taken part in any cashback offer to switch to Royal Bank (including from NatWest between October 2017 and May 2018), you won't be eligible for this offer. Offer can be withdrawn at any time.

See full offer Terms and Conditions for more information.

The Current Account Switching Service will move everything across from your old account to your new Royal Bank account, including Direct Debits, standing orders etc, within 7 working days. It’s completely free and is backed by an industry-wide guarantee to ensure the move goes smoothly.

Joint bank accounts

If you are looking to manage your money with another account holder, a joint bank account could make sense. Select, our everyday bank account, and all our Reward accounts are available as joint accounts.

Student and graduate accounts

We’ve got student bank accounts and a graduate bank account, both with great features to give you a helping hand in life.
To apply for the student account or the graduate account, specific eligibility criteria apply. You need to be 18+ to apply for an Arranged Overdraft.

UK Student bank account

No monthly fee

Choose an offer from Amazon, National Express or tastecard 

Easy-to use Mobile Banking app  

Interest free overdraft up to £2,000 (£500 in first term)

International student bank account

£10 monthly fee

Choose an offer from Amazon, National Express or tastecard

Easy-to-use Mobile Banking app

Visa Debit card

Graduate bank account

No monthly fee

Interest free overdraft up to £2,000 (for your first year)

Discounts on eating out with tastecard

Easy-to-use Mobile Banking app

Children’s bank account

If you’re looking for a children’s bank account, our Revolve account offers everything they need to become a lot more savvy with money. If you’re looking for an account for someone under the age of 11, we can still help. Why not take a look at our children’s savings accounts
To be eligible for this account you must be 11-18 years old and a UK resident.

Revolve bank account

No monthly fee

  • Pays interest on your balance
  • Get your own Visa debit card
  • Easy to use Mobile Banking app (payment restrictions apply)

Our other current accounts

If you’re thinking none of the ones you’ve seen so far are right, see what else we have.
To apply for any of the accounts in this section, eligibility criteria apply.

Foundation account

If you don’t meet the criteria of our other accounts

If you’ve had difficulty with your banking in the past, when you apply for one of our other current accounts, we might offer you our Foundation account instead– if we think it will suit you better.

European accounts

Living in the EU?

If you live in the EU area, we have bank accounts just for you.

Reward Black

£28 monthly fee

For our Premier customers only. It comes with an extensive range of features. Premier banking criteria applies. Switch online and get £125. Conditions apply.

 

Have a look at some of our service measures

If you want to see how we have performed in key service areas, you can get a detailed view here

Already a Royal Bank customer?

Want to squeeze every last bit of goodness out of your account? We’ve got some useful tips. We can help with changing or upgrading too.

Financial services compensation scheme

Your eligible deposits with the Royal Bank of Scotland are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Find out more about the scheme and how it protects your money.

Something else we can help you with?