Premier Banking

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Premier Banking

What is Premier Banking?

Premier Banking offers an exclusive, free service to help you achieve your financial goals. You'll enjoy a whole host of benefits, including:

A Premier Banking Manager to help with your financial plans or guide you through more complex financial decisions

Enhance your Premier experience with our Premier Reward Black account and get a range of extra benefits, for a monthly fee.

Round the clock help, online or over the phone - no waiting, straight through

Access to products and specialist services designed to help meet your needs

How do you qualify for Premier Banking?

You'll need to be a permanent UK resident and meet one of the following:

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1. Your income

Do you pay £100k sole or £120k joint income into your Royal Bank account?
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2. Your mortgage borrowings

Do you have a mortgage of at least £500k with us?
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3. Your savings or Investments

Do you have £100k savings or investments held with us?

An account packed with benefits for home and abroad

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.
Our exclusive account for Premier customers

Join the jet set with worldwide travel insurance and airport lounge access

Access a world of entertainment with the Black Ticket Service and cinema discount valid at over 250 UK cinemas

Get those hard-to-get tickets with the help of the with 24/7 Black Concierge Service

Turn bills into benefits with 2% back in Rewards on eligible household bills paid by Direct Debit.

Built in protection with Home Emergency Service cover and UK & European car breakdown cover


All of this and more for £31 per month

Looking for something a bit different?

See all our bank accounts, with and without monthly fees.

I'm already a Royal Bank customer

If you're an existing Royal Bank customer you can talk to us about joining or changing your existing account.

Change my existing account

In need of a change? Compare our range of bank accounts and find the one that suits you. Follow the steps to 'change your account' from your preferred account page.

Talk to us about Premier

You don't have to open a new account to join Premier. Simply speak to one of our team who will confirm a few details with you and set you up with one of our Premier Banking Managers who will welcome you to Premier.

Common questions about joining Premier banking

A permanent UK resident; and one of the following:

  • Income – Minimum £100k sole income or £120k joint income paid into your Royal Bank account
  • Mortgage borrowings – £500k minimum mortgage borrowing with us
  • Savings or Investments – Minimum £100k savings or investments held with us

We will confirm a few details about you and your circumstances and agree a time that suits you to speak with one of our dedicated Premier Banking Managers. From your first conversation, your Premier Banking Manager will discuss your financial objectives, but there is no obligation to take any of our services.

  • Evidence of criteria met – we will confirm over the phone which of the criteria you meet.
  • Current address - information on your current address and post code.
  • Financial documents - to help us understand your needs and evidence the criteria you meet, please have the relevant financial documentation to hand (for example: statements, tax returns, bank statements).
  • New customers will need to bring either your driving licence or passport too.

If you are moving to the UK within the next 3 months, we would be able to welcome you to Premier Banking once you have arrived in the country. Please contact our Premier Banking team who will be happy to help.

If you are not moving to the UK, we would not be able to offer you the Premier service. 

If you are living outside the UK but still within the EU. You could still open an account with Royal Bank of Scotland.

See our range of accounts

How do I switch to Premier Banking?

If you want to switch to us, we can help you when you apply. To start, simply choose either our Premier exclusive account or one of our other accounts - whichever is the right one for you.

The Current Account Switching Service will then move everything across from your old account to your new Royal Bank 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.

Premier products and services

Access a range of products and services to help with your financial plans.

One-to-one support

Whether you're reviewing your borrowing needs, planning that dream holiday or getting ready for retirement. Your Premier Banking Manager is equipped to help you achieve your financial goals.

Insurance cover

One easy to manage portfolio. If you need help, you'll have specialists to help you get the cover you need and claims support, day or night. Cover underwritten by U K Insurance Limited.

Protect your wealth

Help ensure your money and assets are shared according to your wishes. Our Will-writing & Executor Service will help you to do so in the most efficient way, giving you peace of mind. A fee will apply. 

Explore all our products and services

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.