Premier Bank Accounts

Switch in or 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

£100 when you switch in to your account

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

What would you do with £100? Switch and the choice is yours

Apply to Switch

Switch into your existing account with us by 19th November 2020. We may end this offer at any time
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Fill out your Switch details

Within 7 days The Current Account Switch Service will automatically move your existing payments and close your old account
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Switch criteria

Pay in at least £1,500 and log in to our mobile app or Digital Banking by 30th December 2020

Pay day

£100 will be paid to your Royal Bank account by the 29th January 2021

Travel insurance relating to Coronavirus (COVID-19) and any other pandemic

Our travel insurance is changing from 5th January 2021 as a result of the COVID-19 pandemic.  If you’re thinking about opening this account, make sure you read the endorsement alongside the Travel Insurance Terms as this will affect your cover. 

For more information about travel insurance during COVID-19, you can refer to our FAQs.

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

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

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.

All okay? You’re nearly ready to start.

To speed up your switch or change your account request, we need to do a few final checks with you. They'll only take a minute.

What would you like to do today?

Switch offer

Changing your existing account doesn't qualify you for our switching offer.

To qualify, you need to switch and close a current account held with another bank to your Royal Bank account.

You're all set

During the application, you'll need:

  • The account number and sort code of the account you want to change

As you're changing your account, the account details and debit card will stay the same. Just to make life easier for you.

To get the £100 switch offer you need to:

  • Apply to switch to Royal Bank by 19th November 2020
  • Pay in £1,500 and login to our mobile banking app or Digital Banking by 30th December 2020

If you've had any cashback for switching to us (or NatWest/Ulster Bank) since October 2017 you won't be eligible for this offer.

You’re all set

You’ll need these bits of info handy for your application:

  • The account number, sort code and debit card number of the bank account you want to switch to Royal Bank
  • The account number and sort code of your existing Royal Bank current account

The Current Account Switch Service will move everything across from your old bank account to your Royal Bank current account within 7 working days.