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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 need to be 18+ and a UK resident.

Reward bank accounts

Compare our reward accounts below and choose one that best suits your needs. Earn £4 a month back in Rewards for 2 or more Direct Debits - they need to be at least £2 each. Plus, an extra £1 a month back in Rewards with 1 mobile app log in.

To apply, you need to 18+ and a UK resident. To hold a Reward account, you'll need to pay £1,250 into your account every month (not applicable for Reward Silver or Reward Platinum).

£2 monthly fee

For a £2 monthly fee you'll get:

Up to £5 a month back in Rewards

Spend at our retail partners and get 1% back in Rewards

Upgrade your rewards with lifestyle and insurance benefits

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

Travel insurance for European trips

Mobile phone insurance

Cinema discount & tastecard

Fee free debit card purchases abroad

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

Donate your Rewards to the National Emergencies Trust’s Coronavirus Appeal.

We'll match the Rewards any of our existing Reward customers donate pound for pound up to 30th June or until £5m has been donated in Rewards. This means if you donate £20 worth of Rewards, we'll donate £20 too. You can donate any available Rewards over a minimum of £5. Terms apply.

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

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.

Premier bank accounts

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

To apply you must be 18+ and a UK resident. Premier Banking subject to income, lending or saving criteria. Specific account criteria also applies.

Joint accounts

If you're looking to share your account with another, a joint bank account could make sense.

European accounts

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

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

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.