Bank accounts

Our range of
bank accounts

A simple bank account for your day-to-day banking
  • Easy to use mobile banking app
  • Contactless Visa debit card
  • Also available as a joint account
  • No monthly fee
To apply, you must be 18+ and a UK resident.

Reward bank accounts

Bank accounts packed with benefits. Get 2% back in Rewards on eligible household bills paid by Direct Debit. Plus all the features of our everyday bank account too.
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.
2% back in Rewards
  • 1% back in Rewards at our partner retailers
  • Pay at least £1,500 into your account every month
  • £2 monthly fee
2% back in Rewards
  • Mobile phone insurance
  • European travel insurance
  • Discounts on eating out with tastecard
  • £10 monthly fee
2% back in Rewards
  • Mobile phone insurance
  • Worldwide travel insurance
  • UK car breakdown cover
  • £20 monthly fee

Switch to Royal bank

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.

Get the proper uni essentials

Choose either an Amazon, National Express or tastecard offer

Easy to use mobile app

International student account with £10 monthly fee

UK student account has no monthly fee

Specific eligibility criteria applies for UK and international students.
Helping 11-18 year olds to start managing their money

Pays interest on your balance

Get your own Visa Debit card

Easy to use mobile app (with payment restrictions)

No monthly fee

To be eligible you must be 11-18 years old and a UK resident

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. 

Other current accounts

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

This account might suit you if you’re not eligible for any of the other accounts you apply for. It's a basic account to help you manage your money.

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

£28 monthly fee

For our Premier customers only. It comes with an extensive range of features. Premier banking criteria applies.


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

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?