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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

£100 switch offer

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

Additional bank accounts

We also offer additional bank accounts to suit your needs

Specific account eligibility criteria applies.

£100 switch offer

Earn montly Rewards. For £2 a month you'll get:

£4 a month back in Rewards for 2 or more Direct Debits (at least £2 each)

£1 a month back in Rewards with 1 mobile app log in

1% back in Rewards when you spend at our partner retailers: Caffe Nero, Europcar and more

To apply, you need to be 18+ and a UK resident. To hold a Reward account, you'll need to pay £1,250 into your eligible account every month

Get the proper uni essentials

Interest free overdraft up to £2000 (£500 in your first term) 18+, subject to approval.

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

Helping 11-18 year olds get a head start with 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

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.

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

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.

For our existing customers...

If you're a Royal Bank current account customer you can switch in or change your existing current account to a packaged account.

Reward Silver

£10 monthly fee.

Reward Platinum

£20 monthly fee.

Premier Reward Black

£31 monthly fee. Premier 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

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.