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Premier Banking
Compare our bank accounts
Premier Select
A bank account you can rely on for your day-to-day banking
Get all the benefits of our Premier Banking service, plus:
Mobile banking app that's simple to use. Criteria applies.
No Non-Sterling Transaction Fee when you make a payment outside the UK or in a foreign currency.
Pay your way; Apple Pay, Google Pay ™ and Contactless Debit Card. Limits apply.
Arranged overdraft with £500 interest-free buffer available (subject to status).
No monthly fee.
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To apply, you must be 18+ and a UK resident. Overdraft Representative APR: 11.4% (Variable). Other charges may apply. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.
Premier Reward accounts
Bank accounts packed with benefits combined with our exclusive, free service to help you achieve your financial goals.
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To apply, you must be aged 18 or over and a UK resident.
Premier Reward account
Premier Reward
For £2 a month you 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.
- Convert Rewards into money by transferring it into your Royal Bank account.
You'll need to pay at least £1,250 into your Royal Bank account every month.
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Premier Reward Black account
Premier Reward Black
- Worldwide travel insurance and airport lounge access.
- 24/7 Black Concierge Service and cinema discount valid at over 250 UK cinemas.
- UK & European car breakdown cover.
- Home Emergency Service.
- £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.
- Arranged overdraft with £500 interest-free buffer available (subject to status).
All of this and more for £31 a month. To apply you must be 18+ and a UK resident.
Overdraft: Representative APR: 11.4% (Variable). Other charges may apply. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.
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To open a Premier account you'll need to be 18+, a permanent UK resident and meet one of these criteria:
Why choose Premier?
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? Take a look at our Premier accounts and see if one suits you. Follow the steps to 'change your account' from your preferred account page.
Joint accounts
Looking to set up a joint account? Having a joint bank account is the same as having your own, except two people have control over the account, including any arranged overdraft (subject to approval).
To set up a joint bank account, you’ll need to add the other person to your new or existing current account.
Talk to us about Premier
Already a Royal Bank customer? Speak to one of our team about joining Premier. We'll confirm a few details and arrange a time that suits to speak to one of our Premier Banking Managers who'll help get you started with Premier.
Manage your account
Set-up your account or want to squeeze every last bit of goodness out of your account? We’ve got some useful tips.
MyRewards
Learn more about Rewards or find out how to set-up your MyRewards account. Find out everything you need to know.
Membership Services
Get the most from your packaged account benefits. Sign-up or log in to Membership Services and get started today.
Make the most of your holiday
Our tips and tools can help you get prepared, with everything from using your cards abroad to how to order foreign currency.
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.
We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.
Current Account Switch Guarantee (PDF, 39KB)
Financial Services Compensation Scheme
Your eligible deposits with 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 Financial Services Compensation Scheme (PDF, 3.8MB)
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