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Premier Banking - Existing customers

Use your Premier
account benefits

On this page:

Set-up your bank account

Using your bank account

Premier Black account app

Explore Rewards

We're changing our Rewards

Travel and Lifestyle benefits

Do more with your Premier Reward Black account

Access your account benefits with our Premier Black app

Access to over 1,000 international airport lounges with DragonPass Premier

Worldwide travel insurance, mobile phone insurance and UK & European car breakdown cover all included

24/7 Black Concierge Service

£31 monthly fee

I don't have this account?

Don't worry, you can view all our accounts or we can help you find out which one you have.

To be eligible for a Premier Reward Black account, you must be aged 18 or over and a UK resident with a sole income of at least £100k or a joint income of £120k paid into a Royal Bank account, or have minimum outstanding mortgage borrowings with us of £500k, or savings or investments of at least £100k held with us.

Set-up your bank account

How to get started

Activate your card Close

Activate your card

New to Royal Bank of Scotland?

If you're new to Royal Bank, we'll post your contactless Visa debit card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how to activate it.

Already a Royal Bank customer?

If you're already a Royal Bank customer and have recently changed your account, there's no need to activate. You get to keep your existing card and PIN.

Set-up Digital Banking Close

Set-up Digital Banking

You'll need your email address, sort code, account number and debit card to hand.

Digital Banking available to Royal Bank account holders aged 11+.

Get started now

Need help? View our online guide

Get the mobile app Close

Register for our mobile app

Once you've set-up Digital Banking, you can get the mobile app. This is the easiest way to keep an eye on your spending.

App available to Digital Banking customers with a UK or international mobile number in specific countries.

Get the Mobile app

Need help? See how to set up mobile banking

Set-up your MyRewards account Close

Set-up your MyRewards account

You'll start earning Rewards the next business day after opening your MyRewards account and you can view your balance in Digital or Mobile banking.

When you create your MyRewards login you'll be able to access your account and view your personalised offers.

You'll need your bank card before you can get started.

Set-up MyRewards account

Move your Direct Debits Close

Move your Direct Debits

The Current Account Switch Service helps you to move all your Direct Debits to Royal Bank from another UK bank account or building society. We do all the work for you so it is simple and hassle-free and it just takes 7 days.

Any credit balance from your old account will be transferred

Your account with your old bank will be closed

All your Direct Debits will now come out of your Royal Bank account

If you only want to move some Direct Debits from another bank you need to contact the supplier who you pay the Direct Debit to and provide them with updated details to take the Direct Debit from your Royal Bank account.

Get our Premier Black app

Access your travel and entertainment benefits in the palm of your hand. App available to Black account customers registered with Membership Services. Available on selected devices.

Get our Black account app

Travel and Lifestyle benefits

Travel benefits

Worldwide travel insurance

Airport lounge access

Travel money

Black travel service

Explore travel benefits

Insurance cover

Mobile phone insurance

UK & European car breakdown cover

Home emergency service

See insurance cover

Lifestyle benefits

24/7 Black concierge service

Black ticket service

Cinema discount

Explore lifestyle benefits

Fee free debit card purchases abroad

No Foreign Purchase fee when you using your Premier Reward Black debit card abroad.

More about using your debit card abroad

Explore our Rewards

Reward detail

Reward detail OpenClose

Set-up your account

Learn how to set-up your MyRewards account.

Get started with Rewards Close

Set-up your MyRewards account

You'll need your debit card before you can get started.

You'll start earning Rewards the next business day after opening your MyRewards account and you can view your balance in Digital or Mobile Banking.
See your personalised offers, where you can earn 1% or more at MyReward partner retailers. You can only see these offers once you log in to MyRewards.
To exchange your Rewards for money, trading up with our Reward partner retailers or donating your Rewards.

Set up your account

Earn Rewards

Earn 2% in Rewards on eligible household bills paid by Direct Debit and at least 1% at our partner retailers.

How to earn Rewards Close

How to earn Rewards

2% back in Rewards on eligible household bills

You’ll automatically earn Rewards on the following bills as long as you pay them by Direct Debit: Council Tax, gas, electricity, mobile, landline, TV package and broadband.

To keep earning Rewards on your eligible household bills, you must log into Digital or Mobile Banking at least once every three months.

Set-up a Direct Debit

1% back in Rewards at partner retailers

You can earn at least 1% at our partner retailers when you use your Royal Bank debit card.

Find out where you can earn

What you should know

Payments to billing organisations which are for other services such as maintenance, repairs or insurance will not earn Rewards.

Exchange Rewards

You can bank them, trade them or donate them to one of our chosen charities.

Exchange your rewards Close

How to exchange your Rewards

As soon as your available Rewards balance is the equivalent of £5 or more, you can login to MyRewards to exchange them. To login you will need to register, using your debit card. You can then choose from the following:

Bank it

Convert your Rewards into money by simply transferring it into your Royal Bank account. It takes 5 days to clear into your chosen account.

Trade up

Exchange your Rewards for gift cards or codes at our selected partner retailers.

Donate

Convert your Rewards into money and donate it to one of our chosen charities.

Earn more Rewards

Find out how you could boost your Reward earnings.

Boost your Reward earnings Close

Like Rewards and want to earn more?

With our Reward Black credit card, Representative 37.1% APR (variable), you could earn more Rewards whenever you pay using the card. Plus, you won't pay foreign transaction fees if you use the card abroad.

What Rewards will you earn?

1% on your supermarket shop (0.5% at their petrol stations)
Between 1-15% when you shop at selected MyRewards retailers
0.5% everywhere else you like to shop

More about Reward credit card

Annual fee applies, but we'll refund it if you already hold a Premier Reward Black current account.

To apply, you must be 18+, earning at least £15k per year and a mainland UK resident.

We're changing how you earn Rewards

On the 1st February 2020, instead of earning 2% back in Rewards on household bills, you'll earn £9 a month back in Rewards for 2 or more Direct Debits - they need to be at least £4.50 each. Plus, an extra £1 a month back in Rewards with 1 mobile app log in.

That's up to £10 back in Rewards each month to spend on whatever you like.

More about the changes

Important information

We do our best to ensure everyone reads the important documents about their account, please take some time to review, print and/or save a copy of these.

Using your bank account

Payments and transfers on the go Close

Payments and transfers on the go

You can quickly and securely manage your everyday transactions at the tap of a button with our mobile app.

Find out more about the different ways to pay and receive money

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Set up a Direct Debit

Setting up a Direct Debit is an easy way to manage your regular bill payments.

You can view or cancel a Direct Debit online and via our mobile app

Set up, change or cancel a Direct Debit

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Mobile payments

Using Apple Pay

You can start using Apple Pay as soon as you have added your first debit card to your Wallet on your iPhone, iPad or Apple Watch.

Set up Apple Pay

Use Google Pay

Google Pay is the fast, simple way to pay with your Royal Bank debit or credit card in stores and online using your Android device. You will still continue to receive all the benefits and protections you enjoy with Royal Bank of Scotland.

More about Google Pay

Keep your bank account safe Close

Keep your bank account safe

Protect yourself from scams. The best way to avoid being a victim of one, is to be aware of the common practices and techniques that are used.

Learn about common scams

Set up an Arranged Overdraft Close

Add some extra flexibility on your current account

An Arranged Overdraft is a short-term way to borrow and can be a really useful way to pay for unexpected bills.

Set up, change or remove an arranged overdraft

Check bank account charges Close

Check bank account charges

Stay in control of your finances when reviewing your statements and transactions.

Learn more about your statement and transactions.

Using your debit card abroad Close

Taking your debit card on holiday

If you are travelling abroad, register your travel plans with us as this will notify our transaction monitoring systems that you will be using your debit card abroad. This will significantly reduce the likelihood of your card transactions being blocked abroad.

More about using your card abroad

If you have our Mobile app, it’s easy to let us know you are going to use your debit card abroad. Just log in, tap the ‘Help’ section at the bottom and then ‘Going Abroad’.

Find out how

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Order an accessible debit card

Our accessible card is available on all Royal Bank current accounts, and has been developed with and accredited by the Royal National Institute of Blind People.

How it can help if you are blind or partially sighted:

A notch has been carved out of the side, to help you identify which way to insert your card into a cash machine or card reader.

The card has a series of raised dots, so you'll know whether it is your debit, credit or savings card.

On the back of the card, telephone numbers have been increased in size by 50%.

Replace your existing card with a new accessible debit card

In an emergency

My card has been stolen

Find out what you need to do if you think your card or card details have been stolen.

Report your card stolen Close

How to report your card stolen

If you think your debit card - or any of your card details, such as the PIN - may have been stolen, you should report it to us to avoid the possibility of fraud.

Please check the transactions on your account, and call us as soon as possible on:

UK: 0370 600 0459
Overseas: +44 1268 500 813
Minicom: 0800 917 0526

Once you’ve reported your debit card as stolen, we will send out your new card which will be with you in five working days.

Lost or damaged cards

Find out the steps you can take if your card has been lost or damaged.

Report your card lost or damaged Close

How to report your card lost or damaged

If your card is damaged or lost, you can order a replacement online in less than 2 minutes – that's less than half the time it takes if you were to phone us (5min 10s).

Log in and go to the 'Cards' option in the left hand menu

then choose 'Manage your debit card' or 'Manage your credit card'

Choose 'Report your card lost and order a replacement' or 'Order a replacement for a damaged card'

Get emergency cash

If your debit card is lost or stolen, you can still access your money from our ATMs using our Emergency Cash service.

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How to get emergency cash

Simply call us and we'll send you a code that'll let you withdraw your cash.

The Emergency Cash service can only be provided to you at the time of card cancellation. The service allows you to withdraw money from your account using a security code instead of your card.

To use the Emergency Cash service:

You need to be within the UK

You must have at least £20 available in your account

You can withdraw up to £300 from a Royal Bank of Scotland, NatWest or Tesco cash machine if you're a fully active digital or telephone banking customer and if you aren't we'll still let you withdraw up to £60 to tide you over.

Remember you'll need to have money available in your account before you can withdraw it.

To report your Visa debit card lost or stolen and use the Emergency Cash service, please call our Card loss centre straight away.

Card loss centre

UK: 0370 600 0459
Overseas: +44 1268 500 813
Minicom: 0800 917 0526

Open 24 hours a day. Calls may be recorded.

Everyday banking

App available to Digital Banking customers with a UK or international mobile number in specific countries. Digital Banking available to Royal Bank account holders aged 11+.

Mobile Banking

Pay someone new without the need for a card reader (limits apply)

Instantly make payments to friends and family already saved in your Digital Banking

View your statements and check your available balance, quickly and easily

Get the mobile app

Digital Banking

View your balance and make payments

Transfer money between your accounts

Set up and manage your regular payments

View your transaction details

Set up and go paperless

Use Digital Banking

Have you tried Receipt Management yet?

Losing a receipt can be a pain, especially for valuable items. As a Premier customer you can use our free Receipt Management tool to effortlessly store, track and capture your receipts using our Mobile Banking app.

See how it works

Mobile App criteria applies. Receipt Management available on selected devices. This service is available to Premier & Business Banking customers only.

Use your Premier account benefits

Do more with your Premier Reward Black account

I don't have this account?

Set-up your bank account

How to get started

Get our Premier Black app

Travel and Lifestyle benefits

Travel benefits

Insurance cover

Lifestyle benefits

Fee free debit card purchases abroad

Explore our Rewards

Reward detail OpenClose

Set-up your account

Earn Rewards

Exchange Rewards

Earn more Rewards

We're changing how you earn Rewards

Important information

Using your bank account

In an emergency

My card has been stolen

Lost or damaged cards

Get emergency cash

Everyday banking

Mobile Banking

Digital Banking

Have you tried Receipt Management yet?

Find answers in our FAQs

Customer support

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Use your Premier
account benefits