Travel benefits
Worldwide travel insurance
Airport lounge access
Travel money
Black travel service
Existing customers
Making the most of your Premier Reward Black account
Your Premier Reward Black account
We’ve gathered all your Premier Reward Black account information in one place. A one-stop-shop to help you get the most from your account.
What's included?
Access to over 1,000 international airport lounges with DragonPass
Worldwide travel insurance, mobile phone insurance and UK & European car breakdown cover all included
24/7 Black Concierge Service
£31 monthly fee
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.
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.
Insurance cover
Mobile phone insurance
UK & European car breakdown cover
Home emergency service
Lifestyle benefits
24/7 Black concierge service
Black ticket service
Cinema discount
Fee free debit card purchases abroad
No Foreign Purchase fee when you using your Premier Reward Black debit card abroad.
Using your bank account
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
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
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.
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.
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.
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.
Check bank account charges
Stay in control of your finances when reviewing your statements and transactions.
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’.
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%.
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.
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.
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.
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.
Bank when and where it suits you with our secure mobile app
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
Register your travel plans with us
Manage and keep track of your finances day or night with 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
Let's get started
Set up your bank account
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
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+.
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.
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.
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.
Fine-tune your finances
A Financial Health Check with your Premier Banking Manager will consider all areas of your finances. If you want to take stock or you're making plans for the future, we can help.
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.