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Bank accounts

Compare our
bank accounts

A bank account you can rely on for your day-to-day banking

Mobile banking app that's simple to use. Criteria applies.

Pay your way; Apple Pay, Google Pay and Contactless Visa Debit Card. Limits apply.

No monthly fee

To apply, you must be 18+ and a UK resident.

Reward bank accounts

With all of our reward bank accounts, you'll get 2% in Rewards on eligible household bills paid by Direct Debit. Compare our reward accounts below and choose one that best suits your needs.

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. To hold a Reward account, you'll need to pay £1,500 into your account every month (not applicable for Reward Silver or Reward Platinum)

2% back in Rewards

For a £2 monthly fee you'll get:

2% back in Rewards on eligible household bills paid by Direct Debit

1% back in Rewards at our partner retailers including Caffe Nero and Europcar

Upgrade your rewards with lifestyle and insurance benefits

For a £10 monthly fee, you'll get all our Reward account benefits, plus:

European travel insurance

Mobile phone insurance

Fee free debit card purchases abroad

2 for 1 or 50% off your food bill at thousands of UK restaurants with tastecard™

Up to 40% off the price of cinema tickets

Worldwide travel and even more insurance benefits

For a £20 monthly fee, you'll get all the benefits of our Reward Silver account, plus:

Worldwide travel insurance

UK car breakdown cover

Discounts on holidays when you book with Platinum Travel Service

Two free UK airport lounge passes with each Platinum Travel Service holiday booking

Student and Children's accounts

Accounts tailored to your life stage.

Specific account eligibility criteria applies.

Student bank account

Get the proper uni essentials

Interest free overdraft up to £2000 (£500 in your first term)

Choose from 3 great offers; a tastecard, Amazon offer or National Express Coachcard

Bank anytime, anywhere with our easy to use mobile app

£10 monthly fee for the International student account

No fee for UK students

Child & Teen bank account - Revolve

Helping 11-18 year olds get a head start on money management

Interest payments on the account balance

Visa Debit Card for your own use 

Easy to use mobile app (with payment restrictions)

No monthly fee

Joint bank accounts

If you are looking to share your account with another, a joint bank account could make sense. Select (our everyday bank account) and all our Reward accounts are available as joint accounts too.

Moving in with someone? Check out our handy tips to help set up your new home.

Other current accounts

If our other accounts aren't quite right for you, see what else we have.

Specific account eligibility criteria applies.

Foundation account

Our basic account designed to help you manage your money.

If you've encountered difficulties with money, you may not be eligible for a number of our bank accounts and might be offered the Foundation account instead.

Get your own Visa Debit card (*contactless not available)

Easy to use mobile app

No monthly fee

You can't apply directly for the Foundation current account. We may offer it to you if we think it's more suitable during an application for one of our other accounts.

European accounts

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

Premier accounts

An exclusive service with a range of bank accounts to choose from.

Supporting our customers

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

We're changing our overdraft pricing

Between 27 March and 2nd April 2020, we will be making some changes. The changes vary depending on the account you have with us. You can find out more by visiting our overdraft pricing changes hub.

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.