Bank accounts

Compare our
bank accounts

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

£150 when you switch 

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

£150 when you switch

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

£150 when you switch

Insurance for your mobile phone

Travel insurance for European trips

Save money on dining out with tastecard

£10 monthly fee

2% back in Rewards

£150 when you switch

Comprehensive mobile phone insurance

Travel insurance for worldwide trips

UK car breakdown cover

£20 monthly fee

Want £150? Time to switch

Switch your current account to us by the 29th November and we'll give you £150!

  • Apply and open a new account or switch in to an existing account with us by the 29th November 2019.
  • In your application select to switch to us. The Current Account Switch Service will then automatically move your existing payments and close your account held elsewhere.
  • Pay in at least £1500 (in total) and log in to Digital or Mobile banking by 10th January 2020. 
  • We'll pay £150 in to your new account by the 7th February 2020.

Offer not available on Student, Revolve or Foundation accounts.

Switching Offer Terms and Conditions (PDF, 28KB)

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 18 or over 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.

Choose your account...

If you're ineligible for any of our other accounts, this account might suit you're needs. It's a basic account to help you manage your money.

Live in the EU area? We have specific accounts just for you.

£150 when you switch

For our Premier customers only. Our Reward Black account comes with an extensive range of benefits and features. Premier banking criteria & conditions apply. £31 monthly fee.

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?

We've got some useful tips for squeezing every last bit of goodness out of your account. Looking to change or upgrade? We can help there too.

If you're looking to reduce spending or want to learn some tips for managing your money and starting to save, you should check out our guide.

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?