Premier Bank Accounts

Change your bank account
to a Premier Reward Black

Available to existing current account customers only

Benefits for when you're at home or away

Enjoy worldwide family travel insurance

Access to over 1,000 international airport lounges with Dragon Pass Premier

24/7 Concierge Service

UK and European car breakdown cover

£9 a month back in Rewards on 2 Direct Debits - they need to be at least £4.50 each

£1 a month back in Rewards when you login to our mobile app

£31 monthly fee

Important guidance on your travel insurance

You should refer to the policy terms and conditions for details of the cover provided.  We know you will want to understand how that applies to the Covid-19 pandemic and this is summarised below for some of the main queries we receive.

Your Travel insurance will provide cover for cancelling a trip if:

  • you have Covid-19, or
  • you are quarantined before your trip starts

As long as you weren’t aware of this reason to cancel when you booked the trip or your cover started, whichever is later. 

You will also be covered for cancelling a trip if:

  • the Foreign & Commonwealth Office (FCO) is advising against travel due to Covid-19, as long as this advice wasn’t in place when you booked the trip or your cover started, whichever is later.

When there is no FCO advice against travel, you will be covered whilst on a trip for emergency medical expenses including reasonable additional travel costs and for cutting short a trip due to Covid-19.

I already have a Reward Black account

Learn more about our Royal Bank Premier Black app or find out how to set-up and use your account benefits.

Account benefits

Rewards

Earn Rewards

Earn £9 a month back in Rewards for 2 or more Direct Debits - 2 of those Direct Debits needs to be at least £4.50 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app log in. That's up to £10 a month back in Rewards to spend on whatever you like!

Exchange Rewards

Once you reach £5 in Rewards, the choice is yours. Bank it into your RBS bank account, trade up for gift cards and e-codes with our retail partners, or donate to one of our chosen charities.

Worldwide Airport Lounge Access

DragonPass Premier gives you unlimited access to over 1,000 lounges worldwide, plus you can enjoy discounts at airport restaurants, cafes and spas. Many lounges can now be pre-booked for just £5 per person per visit to avoid disappointment during busy travel times. You can also bring travel guests (£20 per person).

Worldwide Travel Insurance

Love travel? Our worldwide travel insurance covers you and your family for trips up to 90 days, including 31 days for winter sports. The policy also has £10 million medical expenses cover (underwritten by U K Insurance Ltd).

Travel Money

You’ll get preferential rates on foreign currency from our Travel Money Service – we’ll even deliver to your door.

Black Travel Service

You could enjoy 10% discount off breaks, holidays, car hire and overseas travel when you use the Black Travel Service.

Using your debit card abroad

No Non-Sterling Transaction Fee when you using your Reward Black debit card abroad.

Insurance

Mobile Phone Insurance

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by American International Group UK Limited.

UK & European car breakdown cover

Green Flag provide our UK & European Breakdown cover which includes returning you and your vehicle to your home address in the UK. We’ll give you options to get you to your destination if your vehicle can’t be fixed (Underwritten by U K Insurance Limited).

Home Emergency Service

24/7 home emergency cover up to £750 including VAT (underwritten by U K Insurance Limited). We only use approved repairers – finding someone you can count on.

Lifestyle

24/7 Black Concierge Service

Our 24/7 Black Concierge Service can help you with things like getting your hands on hard-to-get tickets or booking a table at a top restaurant anywhere in the world.

Black Ticket Service

Your Black account gives you access to live entertainment at reduced prices. Receive 25% cash back on up to six tickets per event, at up to four events per year. Choose from theatre shows, musicals, operas and sporting events throughout the UK and Ireland.

Cinema discount

Take advantage of up to 40% off the price of cinema tickets.

Receipt Management

Free access to our Receipt Management tool.

Other features...

Mobile Banking App

Our Mobile Banking app is secure, easy to use and lets you do lots of useful everyday banking tasks when on the move. It’s available to Digital Banking customers with UK or International mobile number in specific countries.

Use your account benefits

Make the most of your Premier Reward Black account with the Royal Bank Premier Black app.

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

For our existing customers

To upgrade or switch you need to be an existing Royal Bank current account customer.

We're not accepting applications for new accounts at this time. We apologise for any inconvenience 

Switch to Royal Bank

Switch a current account held elsewhere to your existing account using the Current Account Switch Service.

Upgrade or change my account

Change your existing Royal Bank current account online.

Change my sole account