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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

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

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.
2% back in Rewards

All our everyday banking features

Spend at our partner retailers and get 1% back in Rewards

Pay at least £1,500 into your account every month

£2 monthly fee

2% back in Rewards

Insurance for your mobile phone

Travel insurance for European trips

Save money on dining out with tastecard

£10 monthly fee

2% back in Rewards

Comprehensive mobile phone insurance

Travel insurance for worldwide trips

UK car breakdown cover

£20 monthly fee

Switch to Royal Bank

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

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB).

How does the Switch service work?

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

Specific eligibility criteria applies for UK and International students. You need to be 17+ and have lived in the UK for 3+ years to apply for an Overdraft.

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)

£0 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.

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

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.