Premier bank accounts

Reward Black

£28 monthly fee

The bank account with exclusive benefits for Premier customers

With our Reward Black account you can 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 as well as 2% back in Rewards on 7 types of household bills paid by Direct Debit.
Available to Premier banking customers who are aged 18 or over and a UK resident. You must also meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your Royal Bank account, or £500k minimum mortgage borrowing with us, or Minimum £100k savings or investments held with us. To keep earning Rewards on your household bills, you must log into online or mobile banking at least once every three months.

Product features


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).

Airport Lounge in detail

We’ll automatically send you a DragonPass Premier membership card when you open or upgrade to a Reward Black account.

You will need your membership card to gain access to lounges and receive discounts at spas and restaurants. A digital version of your membership card is also available through the dedicated DragonPass Premier app which is free to download from the Apple App and Google Play store. The app provides full details about your benefits including lounge locations and opening times, and the ability to purchase guest visits and pre-book selected lounges.

If you have a joint account and are travelling with the other account holder, you will both need to show you membership cards, either the plastic version or through the app, to access lounges and receive discounts.

Airport lounges are owned and operated independently of DragonPass. Admission is granted subject to capacity and at the discretion of the lounges.

Learn more and download the DragonPass Premier app 


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 Insurance in detail

Family cover includes you and your partner, plus any dependent children aged under 18 at the start of the journey, (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married or in a Civil Partnership

Your partner is the person the account holder lives with at the same home address in a relationship, whether married or cohabiting

Medical conditions

If you have a new or existing medical condition please visit membership services. You may have to pay extra for this or you may find that your condition cannot be covered. 

If anyone covered by this policy is aged 70 or over, you must call us each year to obtain cover. You will need to pay an annual premium of £75 per person insured aged 70 or over and be medically screened.

You can call us on:

Telephone: 0345 266 8801
International: +44 1252 308 793
Minicom: 0370 600 0856

Lines are open: 8am-8pm Monday - Friday, 9am-5pm Saturday, 10am-5pm Sunday and 9am-5pm on bank holidays. We are closed Christmas Day, Boxing Day, New Years Day and Easter Sunday. Calls may be recorded.

Already a Reward Black account customer?

Make a travel insurance claim

Travel Money

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

Travel Money in detail

Order in advance online or over the phone. Orders must be through Membership Services to receive preferential rates.

Preferential exchange rate on foreign currency - minimum order of £100 applies

0% Commission on all foreign currencies

Free delivery to your home or a branch of your choice within the UK

Payment from any UK credit or debit card

Already a Reward Black account customer?

Order your travel money

Black Travel Service

You can save money on holidays, airport parking, baggage allowance and more. Our Black Travel Service gives you access to a range of travel agencies in one place.

Travel Service in detail

Enjoy 10% discount on holidays, hotels , car hire and more

Receive 5% discount when you book a cruise.

Meet and greet upgrade when you book car parking.

Register online here to book your holiday, car hire or hotel any time, day or night.

Fees and charges:

No credit card or booking fees.

No limit to the number of times you can use the service.

Charges apply to cancellations or changes to bookings.

Already a Reward Black account customer?

Start planning your holiday

Fee free debit card purchases abroad

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

Fee free debit card purchases abroad details

Use your Reward Black debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.

No Foreign Purchase fee when you make a payment outside the UK or payment in a foreign currency.

Not valid for ATM withdrawals. Other local fees may apply.



What are Rewards?

Get rewarded on seven types of household bills paid by Direct Debit. Your Reward balance can grow quickly - they’re easy to earn and exchange.

Rewards in detail

When you open a Reward Black account, you’ll earn Rewards on selected household bills.

You could earn £122 on average in Rewards a year. This figure is based on paying seven types of selected household bills of £507 a month and is before the Reward monthly account fee is paid. 5 Rewards = £5.00.

More about Rewards

How do I earn Rewards?

You’ll earn 2% on eligible household bills paid by Direct Debit and at least 1% at our partner retailers.

Earning Rewards in detail

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.

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.

What you should know

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

Already a Reward Black account customer?

Login to MyRewards

How do I exchange Rewards?

It’s easy. Once your balance is the equivalent of £5, we’ll give you a choice of what you can do with them. You can bank them, trade them or donate them to one of our chosen charities.

Exchange Rewards in detail

Once you have opened your Reward bank account you can set up a MyRewards account. This is where your Rewards are automatically stored. It’s also where you go to check your personalised offers or your Rewards balance. 5.00 Rewards = £5. Once it’s the equivalent of £5 or more, you can choose any of 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.


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

Already a Reward Black account customer?

Login to MyRewards


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 warranty has expired). Policy underwritten by Aviva Insurance Limited.

Mobile Phone Insurance in detail

What you need to know about our Mobile Phone Insurance cover:

Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time). 

There is no cover for phones owned by your employer.

Four successful claims can be made on this policy in any 12 month period.

Replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts.

£100 excess for each successful claim.

Already a Reward Black account customer?

Register your mobile phone or make an insurance claim.

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).

UK & European car breakdown cover detail

What you need to know about UK & European car breakdown cover:

Includes Home call when your car won’t start at home

Roadside assistance, anywhere in the UK and Europe - for European trips outside the UK, cover only applies for vehicles less than 16 years old at the start of the trip

There is no vehicle age limit for UK journeys

Cover is for all vehicles owned by you and registered at your home address. You are also covered in any privately registered vehicle you travel in, anywhere in the UK.

Cover is limited to 5 callouts in any 12 months. It doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.

Already a Reward Black account customer?

In the event of a breakdown please call:

UK: 0345 266 8801
Minicom: 0370 600 0856
Europe: +44 (0) 2392 668 814

Lines are open 24/7, 365 days a year. Charges may apply. Calls may be recorded.

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.

Home Emergency Service in detail

Cover for two homes – your main residence and any second you own in the UK (excluding properties you rent out).

To be covered the home must be owned by you and be your permanent, or secondary, private place of residence. Detached garages and outbuildings are not covered. Your home must be in the United Kingdom or the Isle of Wight.

Other exclusions:

External water supply pipes;

Boilers over 10 years old, or with an output over 75kw;

Any emergency if your home has been unoccupied for more than 60 consecutive days

Detached garages and outbuildings; and

Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

It's important to remember that this is not a household buildings or contents insurance policy, or an equipment maintenance contract.

Already a Reward Black account customer?

If you suffer an Emergency at your Home please call:

Telephone: 0345 266 8801
Minicom: 0370 600 0856

Lines are open 24/7, 365 days a year. Calls may be recorded.


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.

Concierge Service in detail

Our 24/7 concierge service can help you with things like:

Getting your hands on hard-to-get tickets

Booking a table at a top restaurant anywhere in the world

Recommending and securing a special gift for any occasion, even gift-wrapped if you need it

Booking an executive car

Creating that trip of a lifetime

Already a Reward Black account customer?

Log in to Membership Services

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.

Black Ticket Service in detail

Enjoy 25% cash back on tickets to the latest concerts and shows 

Register online here to book event tickets any time, day or night

How do I get my cashback?

You don't need to do anything. It will be paid into your Reward Black account within 30 days of your booking.

Already a Reward Black account customer?

Log in to Membership Services

Cinema discount

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

Cinema discount in detail

Buy online through Membership Services and take advantage of up to 40% off the price of cinema tickets.

Valid at over 250 UK cinemas including Vue, ODEON and Showcase

Any day, any time, any film

Not sure Rewards are for you?

View our everyday bank account with no monthly fee and all our standard features that help make your banking hassle free.

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.

Mobile Banking App in detail

Log in with your fingerprint on selected Apple and Android devices– it’s simple, secure and fast.

Check your balance on the move – handy if you’re out shopping and want to know how much you can safely spend. You can also keep track of your Rewards balance.

Easily manage payments and Direct Debits – keep an eye on your Direct Debits and remind yourself what you could be earning Rewards on.

Get cash without your card – Ideal if you’ve left your card at home. Simply go to any Royal Bank of Scotland or Tesco cash machine and follow the steps in the app. You can withdraw up to £130 every 24 hours. 

Register your travel plans – reduce the chance of your debit card being blocked while you’re abroad.

That’s only half the story. Find out what else you can do with our app.

More about our Mobile Banking app

Use your account benefits

Make the most of your Reward Black account benefits with Membership Services. Get started and log-in today.

Membership Services in detail

Use or claim your Reward Black benefits such as Mobile Phone or Travel Insurance and your Concierge Service.

Login to Membership Services

Alternatively you can call on:

Telephone: 0345 266 8801
International: +44 2392 668 814
Minicom: 0370 600 0856

Monday to Friday 8am-8pm (Except Bank Holidays)
Saturday 9am – 5pm.

Calls may be recorded

24/7 Banking

Get the help you need and access your account wherever, whenever. 24/7.

24/7 Banking in detail

We’ve made it easy for you to carry out your day-to-day banking whenever it suits you, through our Digital Banking or our Mobile Banking app.

Premier 24

Day or night, Premier customers can speak to our telephone banking team.

They can help with such things as larger value Domestic & International Payments or booking appointments with your Premier Banking Manager.

Call and you’ll reach them directly - no recorded messages or annoying hold music.

Telephone: 0333 202 3332
International: +44 131 278 3507
Minicom: 0800 027 1398

Joint Accounts

You can open this account as a joint bank account, so two people can manage the finances. It can be ideal if you need to make shared payments, eg household bills, rent etc.

Joint Accounts in detail

When applying, make sure you have the ID details for both people who are looking to open the joint account.

Arranged Overdraft

To help you out with those unexpected bills that can pop up occasionally.

Overdrafts in detail

An Arranged Overdraft is a short-term way to borrow and can be a really useful way to pay for unexpected bills. An Arranged Overdraft means we’ve approved extra funds for you, which are available on your current account.                        

What you should know

You can arrange an overdraft with this bank account. We will only charge you interest and/or fees if you use your Arranged Overdraft. Subject to eligibility.

How much will I get?

It depends. We’ll look at your individual circumstances and decide on your overdraft limit. We’ll take into account age, earnings and credit rating.  Here’s a representative example, If you get an arranged overdraft limit of £1,200 on your bank account and use all of it, you will be charged arranged overdraft interest at 14.89% EAR (variable) and a monthly usage fee of £6.

Visa debit card

Use your Visa debit card to pay for purchases in shops and online, travel, meals out, coffees etc.

Visa debit card in detail

Use your Visa debit card to pay for purchases in shops and online, travel, meals out, coffees etc.

What is contactless?

Want to pay quickly and securely for amounts of less than £30? Just look for the contactless symbol, then touch your card against the reader. Simple as that! You can also pay contactless by using Apple Pay or Android Pay.

How to apply online

Have ID ready

We’ll need some details from you, such as your address history, monthly income and some ID.

Start your application

You can apply online right now if you are ready. Just use the section below to tell us about yourself.

How long will it take?

You should be able to complete the online application within an average lunch break.

I'm ready to apply

To open this account you must meet these requirements:

Aged 18+
A UK resident
To earn Rewards you need to log into Digital or Mobile Banking at least once every three months.

You must also meet one of these criteria:

Minimum £100k sole income or £120k joint income paid into your Royal Bank account.

£500k minimum mortgage borrowing with us.

Minimum £100k savings or investments held with us.

Important information

Please take some time to review, print and/or save the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged, our important documents including the FSCS information sheet.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

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