Premier Banking

Royal Bank Premier
products 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.

Premier Reward Black account

£31 monthly fee

With a Premier Reward Black account you get:

  • 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?

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

Products and 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.

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.

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.

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.


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.


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.


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.

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.

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.

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. 

Talk to us about Premier Banking

To become a Premier customer you'll need to be a permanent UK resident and meet one of the following:
  • 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.

Read more about the FSCS scheme (PDF, 3.8 MB)