Discover Premier Banking

What is Premier Banking?

Premier Banking at a glance

Premier Banking is a free service. You'll enjoy a whole host of benefits:

Premier bank accounts - fee-free or get extra benefits with one of our Reward accounts for a monthly fee.

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

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

Round the clock help, online or over the phone.

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?

Compare Premier accounts

Join Premier by opening a Premier account. With a Reward account you could earn up to £9 a month for 2 Direct Debits - they need to be at least £4.50 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in.

To apply for any of our Premier accounts, you must be aged 18 or over and a UK resident.

Premier Select

Get all the benefits of our Premier Banking service, plus:

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

Premier Reward

For £2 monthly fee, you'll get:

£9 a month back in Rewards for 2 Direct Debits - they need to be at least £4.50 each

£1 a month back in Rewards when you log in to our mobile banking app

Earn at least 1% at partner retailers when you use your Royal Bank debit card

You'll need to pay at least £1250 into your Royal Bank account every month.

Premier Reward Black

For a £31 monthly fee, you'll get:

All the benefits of our Reward account

Worldwide travel insurance and airport lounge access

Cinema discount valid at over 250 UK cinemas

24/7 Black Concierge Service

UK & European car breakdown cover

Home Emergency Service

Plus much more.

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)

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.

Premier products and services

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. 

Common questions about joining Premier banking

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.

Read about the scheme and how it protects your money (PDF, 3.8 MB).