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The switch worth making
Switch to Royal Bank and you could get £150 and access to a 12 month fixed bonus rate if you open a Digital Regular Saver account.
Offer available to new and existing customers who haven't previously received a switch offer and did not hold a Royal Bank current account or savings account as of 17 February 2026.
How to get £150
1. Open a current account and switch to us
- Apply for a Select or Reward account and request to switch an account with another bank to us using the Current Account Switch Service by 28 May 2026.
- Your switch must be completed by 16 June 2026.
2. Within 60 days of switching
- Pay in £1,250 - This can be made of multiple payments and must remain in the account for 24 hours.
- Log in to our mobile app - This can be done on any device that supports the Royal Bank mobile banking app.
3. You're all set
When you've met these conditions, we'll pay £150 into your eligible account within 30 days.
How to unlock our bonus rate
Once you've opened your current account, you must open a Digital Regular Saver by 16 June 2026. To be eligible for the bonus rate, you need to complete your switch to us.
- 7% AER
This includes 5.25% / 5.13% AER/Gross p.a. (variable) on balances up to £5k plus a conditional bonus of 1.75% AER (fixed) for 12 months. Interest paid monthly. - 1.00% AER/Gross p.a. (variable) on balances over £5,000.
There’s no need to wait for your £150 incentive to be paid.
Why choose a Digital Regular Saver?
- Save between £1 and £150 each month - you're in control.
- Instant access to your savings whenever you need them.
- Perfect for building regular savings habits, whether you're starting small or levelling up your savings goals.
Everyday bank account
The one that just gets things done.
Basic current account today, access to RBS's vast offering for your future tomorrow.
- Eligible for our Switch offer.
- Free of monthly fees.
- Quick to set up, easy to use.
Must be 18+ UK resident to apply.
Reward account
The one that gets your money working for you.
Daily spend + Direct Debits = Rewards.
- Eligible for our Switch offer.
- Get rewarded for everyday banking.
- Earn rewards for spending at our partner retailers with your Royal Bank debit card.
- Every month, earn £4 back in Rewards for paying 2 or more Direct Debits from your reward account - 2 of those Direct Debits need to be at least £2 each.
- All this for £2 a month.
Must be 18+, UK resident, and pay in £1,250 to an eligible Royal Bank account every month. T&Cs apply.
Joint accounts
Share your banking
A joint bank account could make sense if you're looking to share your Select or Reward account with someone you trust.
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Foundation account
A straightforward account
If you're not eligible for the bank account you are applying for, you might be offered the Foundation account instead. You can't apply directly for this account.
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Ukrainian refugee account
Let's get you set up in the UK
We've set up a new account opening process for you. Choose from the languages below to find more details and eligibility criteria.
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Premier accounts
Access extra perks
Enjoy a host of exciting benefits with our Premier current accounts.
Specific account and Premier eligibility criteria apply. Fees may apply to specific products and services.
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Reward Silver
£10 monthly fee
- European travel insurance.
- Mobile phone insurance.
- Fee-free foreign card purchases.
- Plus, all the benefits of the Reward account.
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Reward Platinum
£22 monthly fee
- Worldwide travel insurance.
- UK car breakdown cover.
- Includes all Reward Silver's benefits too.
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Children
Rooster Money
- The pocket money app that builds good money habits for children.
- Keep an eye on their spending with limits and alerts.
- Free Rooster Card subscription for Royal Bank customers with older kids (ages 6+), usually £1.99 per month / £19.99 per year for non Royal Bank customers.
Eligibility criteria and T&Cs apply. Other fees may apply.
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Teens
Revolve account
- Tap to pay with contactless, Google or Apple Pay.
- No fees or overdraft so you don't have to worry about debt.
- Earn 1.85% AER, 1.83% Gross p.a. (variable) interest on your balance. Interest is calculated daily and paid monthly.
Eligibility criteria apply.
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Young adults
Student account
- 4-year tastecard with our Student bank account. Offer T&Cs apply.
- No monthly account fee.
- Overdraft options available (18+). Subject to status.
Eligibility criteria apply.
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Bank whenever, wherever with our mobile app
Easy, secure, quick banking with our highly rated app.
Secure login using your fingerprint or facial recognition on selected devices.
Freeze and unfreeze your card whenever you need.
Turn on Round Ups to save money effortlessly from your current account into an eligible savings account.
Use Split the Bill to get your mates to pay you back for that lunch.
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Our app is available to personal and business banking customers aged 11+ using iOS and Android devices. You'll need a UK or international mobile number in specific countries.
Switch to Royal Bank
With another bank? The Current Account Switch Service will move everything from your old account over to us in 7 working days. Let us know in your application if you want to switch and when to get the ball rolling. Click the link below to find out more.
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Protecting your money
Eligible deposits with us are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.
Read the FSCS Leaflet (PDF, 4MB) to find out more.
How we protect you
Find out more about how we protect your money everyday. Visit our Security Centre to support you stay safe and avoid scams when banking with us.
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Supporting our customers
See how we've performed in key service areas and view details on how we support all personal banking customers.
RBS performance indicators (PDF, 72KB)
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