Current account options

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Compare our current accounts

Current account options

Great RBS service, whichever account you choose

Manage your account your way - online, by calling our UK based telephone banking service, on your mobile or at your RBS branch.

Current account benefits

Expand / Collapse additional benefits	Select Account No monthly account fee	Select Silver Account £8 per month	Royalties Gold £12.95 per month
Great if you...	...want all the essentials to make everyday banking easy for you.	...like films and music, European travel and want straightforward banking.	...go on family holidays and want protection for your car, mobile and travel.
Close Accepted worldwide with added online security protection. Visa Debit card
Close We have over 640 branches - there's sure to be one that's handy for you. Branch Banking - over 640 UK branches
Close Manage your money when it suits you, using our safe and secure service. Digital Banking
Close Our UK based call centres are open 24 hours a day, seven days a week. UK Call centres 24/7
Close Get text alerts, mini statements and weekly balances sent straight to your mobile phone. Download the free RBS mobile phone banking application and bank with your iPhone. Mobile Banking and iPhone app
Close Get text alerts, mini statements and weekly balances sent straight to your mobile phone. Text alerts
Close Use your Visa debit card at any UK cash machine and at many cash machines abroad. Charges may apply for withdrawals overseas. Full UK ATM access
Close If you lose your debit card you could withdraw up to £300 if you are a digital or telephone banking customer and if you aren't, we'll still give you up to £60 to tide you over - these amounts are providing you have the money available in your account. As a minimum you must have £25 available in your account to use this service. Emergency cash
Close When you need some extra money. Subject to approval. Overdraft (subject to eligibility)
Close Pay no interest on your overdraft when you stay within an agreed overdraft limit: £250 for Royalties Gold, £100 for Select Account and Select Silver Account. Subject to approval. Overdraft interest free threshold	£100	£100	£250
Close For added flexibility when you're making payments. Cheque book
Close The easy way to pay bills and make regular payments. Direct Debits and standing orders
Close Our dedicated switching team takes the hassle out of switching. They’ll make most of the arrangements for you and are on hand to answer your questions. Dedicated switching team
Close Our range of alerts means that you can keep in touch with your finances on your mobile or by email. And if we think there’s some suspicious activity on your account, we’ll call you right away to minimise the possibility of any fraud. Fraud alerts
Close Select Silver covers you for European trips of up to 22 days - including winter sports. Royalties Gold covers you for trips of up to 31 days anywhere in the world - including winter sports. 5 Star Defaqto rated Travel insurance		Annual multi-trip European cover (Members and joint account holders aged 70 years and over must pay an additional annual premium of £50).	Annual multi-trip Worldwide cover (Members and their partners aged 70 years and over must pay an additional annual premium of £50).
Close Cover for your monthly contract or pay-as-you-go mobile phone against theft, unauthorised calls, loss and accidental damage. Two phones can be protected with a joint account. Mobile Phone Insurance		Up to £750 replacement value	Up to £1000 replacement value
Close Green Flag is Your Money's 'Best Breakdown Cover Provider' for 2010. Broken down at or near your home - Homecall is included. Green Flag Car Breakdown Cover - incl. Homecall
Close Choose up to three DVDs each month from over 70,000 movies including new releases and old favourites. Online access is required. LOVEFiLM DVD Rentals - Online access is required
Close Download up to five mp3s each month - choose from over 13 million tracks including new releases and classic albums. hmvdigital downloads
Close Help when you're a victim of identity theft and get information on your credit status. Identity Theft Assistance
Close With complimentary delivery to your home or local branch, when ordered through Membership Services. Preferential Travel Money
Close Treat the family to a choice of over 200 UK attractions, from zoos to theme parks. Family days out - 20% off at over 200 UK attractions
Close Save up to 10% on holidays booked with major operators, plus no credit card or booking fees. Discounted packaged holidays - up to 10% off
Close Receive cashback on up to six tickets per event - including plays, concerts, stand-up comedy, musicals and exhibitions. 25% cashback on tickets for events and gigs
Close We'll extend the manufacturer's warranty by an extra year. From TVs to fridges, just pay with your RBS debit or credit card and register within 90 days. Extended Warranty
Close £15,000 accidental death cover (or £7,500 if you're over 70) should the worst happen. Accidental death Insurance
Close Complimentary access to selected UK lounges, including Heathrow, Gatwick, Manchester, Edinburgh and Glasgow, when you book travel through Royalties Travel Booking Service. Subject to availability. UK airport lounge access
Close Save on your food and drinks bill at 700 UK restaurants when you book through Royalties Membership Services or online. 25% discount on dining
Close Call our 24-hour helpline for assistance in an emergency situation, with cover up to £500 towards the cost of emergency home repairs. Home Emergency cover
Close 10% off your first year's RBS car insurance plus a further 10% discount if you buy, or already have, RBS home insurance. Subject to a minimum premium. Discounted Car Insurance (subject to minimum premium).
Close 10% off your first year's RBS home insurance plus a further 10% discount if you buy, or already have, RBS car insurance. Discounted Home Insurance
Close Royalties Saver is our higher-rate instant access savings account that offers preferential rates for Royalties customers. Great savings rates
Close We all want to make the most of our money, all of the time. As a Royalties Gold customer, that's exactly what we'll help you to do. Tailored rates on personal loans and credit cards and preferential overdraft rates.
Show all 33 benefits			Show all 33 benefits
Potential Saving		up to £462	up to £984
	Find out more Apply online	Find out more Apply online	Find out more Apply online

Black Account

For a premium account with our highest levels of travel, protection and leisure benefits, choose a Black Account. You must earn at least £100,000, or £150,000 joint annual income for a joint account, or have savings of at least £50,000 with us to be eligible. Monthly fee £24.

More on Black Account

Basic Account

The Basic Account only offers access to RBS (including those in Tesco), NatWest and Ulster Bank
cash machine, no overdraft facility and no monthly account charges.

Our most basic bank account, offering just the essentials of current account banking

Bill payment facilities – set-up Direct Debit and standing order payments.
Cash withdrawals – withdraw up to £300 a day from any RBS (including those in Tesco), NatWest or Ulster Bank cash machine in the UK.
Withdraw money overseas – use your Visa debit card at any overseas cash machine that shows the Visa logo – subject to fees and charges.
Manage your money – online, on the phone or at one of our branches.

Find out more about Basic Account

If you would like a bank account with full access to UK cash machines, a Select Account may be more suitable.

Students and graduates

A package of banking benefits and extras designed for the way you live your life.

Student current account
If you’re a first year undergraduate going to university, this account could help you while you study.

Find out more

Graduate account
Make the move to the world of work, with an interest-free overdraft and tailored rate graduate loans. Over 18’s only.

Find out more

Young people

RBS Revolve – our account for 11-18 year olds. Earn interest on your money.

Your Revolve account comes loaded with benefits. Here are just a few of them:

A debit card – use it in shops, over the phone and online. Plus, design the look of your card with your own photo, artwork or a design from our online library. There is a £5 charge for using your own design.
Free texts or music downloads – when you top up your mobile at our cash machines.
Top tips – on managing your money and the chance to earn extra cash by sharing your ideas.