£175 when you Switch and stay

Royal Bank Premier
accounts and services

We’re here to help you every step of the way

Premier Banking feels that wee bit more personal thanks to the help of your very own Premier Banking Manager. They’ll work to help tailor your finances to your needs, and you’ll be able to call on expert help online or over the phone around the clock with Premier 24.
Premier Banking is a free service available to customers who are permanent UK residents, with a sole income of at least £100,000 or a joint income of £120,000 paid into your Royal Bank account, or minimum outstanding mortgage borrowings with us of £500,000, or savings or investments of at least £100,000 held with us.

An exclusive account for Premier customers

To apply, you must be aged 18 or over and a UK resident.

Reward Black account

£31 monthly fee

With a Reward Black account you get:

  • £175 if you switch and stay with Royal Bank Permier
  • Access to over 1,000 international airport lounges with DragonPass Premier
  • 24/7 Concierge Service
  • UK & European car breakdown cover
  • Many more exclusive benefits

Looking for a different bank account?

You can view all our bank accounts, with and without monthly fees, by visiting the Royal Bank personal website.

Products & Services


Our Mortgages

Whether you’re thinking of remortgaging or investing in a rental property, our experienced team will help you find the right mortgage for you.

Mortgages in detail

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

Competitive rates

More about our mortgages

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.

Our personal loans

We could lend you anything from £1,000 to £50,000. If you bank with us online, we can save you time and trouble by pre-filling your application form.

Personal loans in detail

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.

More about personal loans

Our credit cards

We have a range of credit cards designed to suit your lifestyle. Compare the benefits and chose the one that’s right for you.

Credit cards in detail

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.

More about Reward Black credit card

See all credit cards


Our savings accounts

We're here to help you save. Whether you’re putting something away for a new car or a rainy day. Simply choose the one that’s right for you.

Savings accounts in detail

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.

More about Fixed Term Savings accounts

See all savings accounts


Our investment advice

We offer a personal, one-to-one service which is provided by the wealth managers in our Private Client Advice team. They’ll offer you intuitive, expert guidance and recommendations based on your individual circumstances. Please note that a fee applies for this service.

Investment advice in detail

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.

More about our Face-to-Face Advice Service

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.

Get in touch



Premier Insurance

Enjoy complete peace of mind by insuring everything that’s important to you with one easy-to-manage portfolio. Our team will ensure you have the insurance cover you need.

Premier Insurance in detail

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.

More about Premier Insurance

Underwritten by U K Insurance Limited


Passing on your wealth

Our friendly, experienced team will provide you with an expert Will-writing service to help ensure your wishes are carried out. Please note a fee applies for this service.

Will-writing in detail

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.

More about Will-writing and Executor Service

Our Estate Administration service

We’re here to help at this difficult time and will take care of all the details for you, ensuring everything is carried out swiftly, courteously and professionally. Again, a fee applies for this service.

Estate Administration in detail

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.

More about Estate Administration Service

Personal tax advice

Your Premier Banking Manager can refer you to members of our panel of companies; they can help with tax returns and give tax advice at a discounted rate.

Personal tax advice detail

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.

Get in touch

Your Premier Banking manager shares your goals

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. 

Switch and stay with Royal Bank

Switch to Royal Bank and we'll give you £125 when you switch and another £50 when you're still with us a year later. 

This offer is available to new and existing customers who are resident in the UK. 

To be eligible for the offer you need to: 

  • Apply for a new account or switch in to an existing account with us by 28th June. 
  • Complete your switch using the Current Account Switch Service.  
  • Pay in at least £1,500 and log in to Digital or Mobile Banking by 2nd August. We'll then pay you £125 by 30th August. 
  • Use your debit card for the account at least once a month and we'll pay you £50 by 30th June 2020. 

We're sorry but if you've had cashback for switching to Royal Bank of Scotland (or NatWest) since October 2017 you won't be able to get it again. 

This offer can be withdrawn at anytime. 

Take a look at the full offer Terms and Conditions 

To become a Premier customer you must be a permanent UK resident and meet any one of the following requirements:

  • Income – pay £100k sole income or £120k joint income into your Royal Bank current account
  • Mortgage borrowings – have a mortgage of at least £500k with us
  • Savings or Investments – have a minimum £100k savings or investments held with us

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.