Reward Black account
With a Reward Black account you get:
- Access to over 1,000 international airport lounges with Priority Pass TM
- 24/7 Concierge Service
- UK & European car breakdown cover
- Many more exclusive benefits
With a Reward Black account you get:
We offer the same rates to new & existing mortgage customers. Our mortgage tools give you an accurate indication of the type of mortgage you could get based on your current circumstances.
For mortgages over £500,000, our Mortgage Concierge team are available when you need them:
Talk to the same person, every step of the way
Have an experienced team who understand the complexity of your mortgage needs and income streams
Royal Bank mortgages are available for over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Borrow between £7,500 and £19,950 at our rate of Representative 3.4% APR.
Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR. To apply, you must be 18+ and a UK resident with either a Royal Bank of Scotland current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.
Whatever your goal – a new car, a new kitchen, or anything else, a Royal Bank personal loan could help.
We offer loans between £1,000 and £50,000
Online decision in minutes
Bank with us online? We can pre-fill your application, saving you time.
Funds available the next working day - If you use online banking, apply before 5.55pm Mon-Thur and have your loan unconditionally accepted.
Visit the Royal Bank personal website to learn more about personal loans.
We offer a range of credit cards to suit your needs. Compare the benefits and find the right one for you.
The Reward Black credit card could be the perfect partner for your Reward Black account. Representative 37.1% APR (variable). Annual fee applies – but refunded if you have a Reward Black current account. To apply, you must be a mainland UK resident, aged 18+ and earn £15k+ per year.
No foreign transaction fees
Earn Rewards on your everyday spend
Personalised priority servicing
Visit the Royal Bank personal website to find out more about our range of credit cards.
We offer a variety of savings accounts which give you instant access or reward you for leaving your savings untouched.
With our Fixed Term Savings account:
You could earn between 0.90% and 1.06% AER/Gross p.a. (fixed). Interest is calculated daily and paid on the first business day of every month.
Choose either a 1 or 2 year fixed term
No additional deposits or partial withdrawals are allowed during the term. If you want to make a withdrawal before the Maturity Date you must close your account and an Early Closure Charge will apply.
On maturity, your Premier Banking Manager will be in touch to discuss your options with you.
Visit the Royal Bank personal website to find out more about our Fixed Terms Savings accounts.
Our Private Client wealth managers go through regular training and development, so you can be confident you’re getting professional advice you can trust.
They will assess your individual circumstances, and recommend a strategy which best suits your assets, goals and attitude to risk.
The value of investments can go down as well as up, so you could get back less than you invest.
To book an appointment with a Private Client wealth manager contact your Premier Banking Manager or call Premier 24 who can book an appointment for you.
One policy, one renewal. Expert help and dedicated claims support, 24/7.
Our Premier Insurance team are accredited by the Chartered Institute of Insurers. They have the expertise to help you get the right amount of cover:
Home Insurance: Enhanced cover for your home and valuables.
Car Insurance: Cover multiple cars including classic and sports under one policy.
Pet Insurance: Cover for your pets with no restrictions on the number of claims you can make.
Making a claim: Call our dedicated claims team 24/7, you’ll have one point of contact to manage your claim.
Underwritten by U K Insurance Limited
Help ensure your money and assets are shared out according to your wishes with our Will-writing & Executor Service.
Administering an estate can be complex, but our specialist team has the knowledge and experience to perform the task efficiently on your behalf.
Our expertise helps ensure your wealth is passed on in an efficient and professional manner.
Sorting out a deceased estate can be a long and complicated process. Usually there are funeral expenses, household bills, taxes and other bills to be taken care of, as well as assets that need divided up.
Our Estate Administration Service is provided by Hugh James Solicitors in England & Wales and Brodies for customers in Scotland (a fee applies). This service will take care of all the details for you.
From personal tax advice to bespoke arrangements, our panel of tax advisers can help with identifying tax planning opportunities and highlighting potential pitfalls and penalties.
Complete your tax return
Make use of your legitimate exemptions
Ensure you pay the right amount of tax
Provide insightful expertise on broader and longer-term tax considerations
You Premier Banking Manager can put you in touch with our panel of leading tax advisors who can help you with these issues.
Your dedicated, accredited Premier Banking Manager is on hand to help you reach your financial goals. Whether that’s looking at your investments, financing another home or planning for the future, their job is to make your life easier and more comfortable.
Don’t worry if you’re not already a customer of ours, we can help you switch banks when you apply. To start simply pick the account that’s right for you.
The Current Account Switch Service will automatically move everything from standing orders to Direct Debits across from your old account to your new one. And it only takes seven working days. This service is free and backed up by an industry-wide guarantee for complete peace of mind.
Visit the Royal Bank personal site to learn more about the Current Account Switch Service.
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.