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

We can help you switch bank accounts within your application - to start, just choose the bank account that's right for you.

Our Switching Service will move everything across from your old account to your new Royal Bank of Scotland 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

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.

Other types of bank accounts

Haven't found an account to suit you needs? See what else we have below.

To apply for any of the accounts in this section, eligibility criteria apply.

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.

£31 monthly fee

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

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?