Select Platinum Account

Worldwide Family Travel Insurance – including winter sports.

Aberdeen, Andorra or Atlanta? Wherever you are in the world, you and your immediate family are covered

• If you or those covered under the policy are 70 or over you must pay an annual premium of £50 per account, you will need to ring us on 0845 609 0456. Customers with hearing and speech impairments can contact us by Minicom number 0870 600 0856.
• Unlimited trips, up to 31 days per trip - including winter sports.
• Up to £10 million medical expenses cover.
• Up to £500 personal money and £1500 personal possessions cover.
• Children covered under this policy must be under 18 at the start date of the journey (or under 23 and in full-time education), living at the home address (or with the other parent), unmarried or not entered into a civil partnership.
• Dependent Children and any Guests added to the policy must be travelling with the Select Platinum Account Holder or their Partner as they cannot travel independently and be covered by this insurance.

You or any member of your family are not covered for any claim directly relating to an existing medical condition unless you have called 0845 609 0456 for screening and cover has been confirmed. Customers with hearing and speech impairments can contact us by Minicom number 0870 600 0856. If any of the statements below apply, you need to call for screening.

Within the last 12 months I/they have been:

• Treated or awaiting, any form of treatment or care by a medical practitioner
• Prescribed any medication, whether taking it or not
• Treated for, or diagnosed with, a heart or cancer related condition
• Given a terminal prognosis - at any time

If none of the above statements apply, you do not need to take any action.

If any of the above statements apply to you or your family, cover cannot be guaranteed at this time for claims relating to your/their condition/s. You will need to call for screening to confirm.

There will be one of three outcomes following Medical Screening:

• Cover may be provided without paying a premium,
• Cover may be provided but a premium may be required for the existing medical condition, or
• We may decide not to cover you for that condition

Before applying, please answer the following questions:

• Are there any persons aged 70 or over travelling on this policy?
• Do you or your family have an existing medical condition?

If you've answered yes to either of the above questions, you will need to call for medical screening.

If medical screening is required, you can call for medical screening prior to completing an online application.

For Travel Insurance Terms, view the Select Platinum Account Worldwide Family Travel Insurance Terms (PDF, 941KB)

Mobile Phone Insurance

• Covers all mobile phones - including smartphones
• Protect up to two phones if you have a joint account
• Covers any mobile up to the original retail value (excluding additional embellishments). There’s a £50 per claim.
• Covers loss, theft, accidental damage and breakdown - including water, liquid and malicious damage and electrical or mechanical fault.
• Unauthorised use - up to £2,500 (including VAT) for monthly contracts and £100 (including VAT) if you're pay-as-you-go.

Select Platinum Account Insurance Policy Summaries includes Keyfacts about our insurance services (PDF, 474KB)
Select Platinum Account - Benefit Terms (PDF, 862KB)

UK Car Breakdown Cover

Relax in the knowledge that if your vehicle breaks down, help is just a phone call away.

• Long distance recovery - we'll get you and your vehicle home or to your preferred location
• Full national service - anywhere in the UK, including homecall
• Protection for all vehicles owned by you and kept at your home address
• Any dependant children still living at home with you, when driving your car, are covered too

Select Platinum Account Insurance Policy Summaries includes Keyfacts about our insurance services (PDF, 474KB)
Select Platinum Account - Benefit Terms (PDF, 862KB)

National Trust for Scotland days out

Discover some of Scotland's treasures with two family day passes each year at a selected range of National Trust for Scotland properties.

• Choice of over 130 places to visit in Scotland
• Each pass is valid for two adults and three children aged 5-16 (under 5's do not count towards the three and incur no additional cost)
• Includes car parking at no additional cost
• You can also visit National Trust sites in the rest of the UK

Terms of use

• If a National Trust special event is taking place entry is still possible but the voucher does not permit access to the event itself if there is a separate charge for that event
• You need to have your pass with you to gain access to the sites
• Vouchers must be used within 6 months of being downloaded & photocopies will not be accepted
• You must show your RBS Debit Card when presenting your voucher

tastecard Membership

Tuck in to 2 for 1 meals or 50% off your food bill at thousands of restaurants across the UK. Side dishes and extras are not included.

Terms of use

• Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other “event” type days
• Where restaurants offer 50% off they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras
• Some restaurants require the customer to book prior to arriving at restaurants

Select Platinum Account - Benefit Terms (PDF, 862KB)

To make travelling abroad easier we offer preferential rates on travel money, Orders must be online or over the phone through membership services to receive preferential rates. Minimum order of £100 applies.

Banking offers
From time to time we will have Banking Offers for Select Platinum Account customers.

We make it easy to bank with RBS

Managing your money is easy
Online, on the phone, on your mobile and at branch.

• More on ways to bank

Switching to RBS is easy

When you switch to RBS, our dedicated team will support you all the way

• More on switching to RBS

Mini statements

See your last six transactions for all your accounts that you manage using digital banking including:

• Current accounts
• Savings accounts
• Credit cards
• Loans
• Mortgages

Transfers

Move money between your accounts. Transfers are processed immediately and your balances are updated.

Payments

Pay your friends, family, credit card, or utility bills – just set up and make your first payment to each new payee in Digital Banking beforehand.
You can now pay any RBS Mobile Banking app user – all you need to know is their mobile number. Select ‘Pay your contacts’ from within your app to use this fantastic service.

Pay Your Contacts

Pay anyone with a valid UK Visa debit, credit or prepaid card using just their UK mobile number and your Mobile Banking App.

How does it work?

Paying other NatWest/RBS mobile app users:

Payee will be notified by SMS and funds will reach the payee’s account instantly. Maximum payment of £250 each day.

Paying anyone with a valid UK Visa debit, credit or prepaid card:

• Payer must inform payee of exact amount.
• Payee will receive a text message notifying them of the payment with a link to a Visa payment collection site (amount of payment will not be included).
• Payee will enter the exact amount and their Visa card number.
• Payee has 7 days to collect a payment from the day they receive the notification.
• We’ll notify you, the payer, by text message when payment has been collected.
• Funds will be credited to the payer within 1-2 working days of collection.
• Sum of payments to non RBS/NatWest app users cannot exceed £250 per day. This limit is independent of your daily withdrawal and Get Cash limits.
• You must have available funds to send from your account (including any overdraft facility).

Mobile Banking App available on iPad, iPhone, Windows, Blackberry and Windows to RBS personal current account holders with a debit card, Digital Banking and a UK mobile number. ‘Pay your contacts’ is available to RBS customers whose accounts are held in Scotland and is not available on iPad.

Get Cash

Get Cash enables you to withdraw money without using your bank card. It is a great option for those times, such as popping out during your lunch hour, when you need small amounts of cash but don’t have your wallet on you. Get Cash provides you with another method by which you can get access to your money quickly by simply using the mobile app.

How does it work?

With Get Cash you can quickly choose an amount of cash that you would like to withdraw from within the app. We will then provide you with a secure cash code that will be valid for 3 hours and can be used at any RBS, NatWest or Tesco cash machine to withdraw your cash. You can use this cash code yourself or text it to someone else. You can use this service up to twice a day, but can only have one cash code at any one time.

To use this service

• Get Cash limits will apply for this service, including a maximum withdrawal limit of £250 a day.
• The amount requested must be within the daily withdrawal limit for your debit card.
• You must have at least £25 available funds to withdraw from your account (including any overdraft facility).
• Get Cash is available on Android, Windows, iPhone and BlackBerry.
• Get Cash will be available for RBS Customers in Scotland (only).

Near me

Locate RBS cash branches and cash machines.

To use mobile banking you must:

• Be an RBS customer who is registered for Digital Banking
• Have an RBS personal account with a debit card
• Be over age 11 and have a mainland UK mobile number starting 07
• Have set up and made your first payment to each new payee via Digital Banking

RBS will not charge you for any mobile banking services, however, your mobile network provider may charge depending on your tariff.

Standard data download charges may apply. Please contact your network operator for details.

• Annual Equivalent Rate (AER)- this is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.
• Effective Annual Rate of Interest (EAR)- this is the real annual cost of an overdraft, stated as an annual rate, which takes into account how often interest is charged to the account. All other charges, such as arrangement fees, must be shown separately from the EAR.
• Gross Rate- this means the interest rate you are paid before the deduction of income tax.
• Net Rate- this means the interest rate you are paid after the deduction of income tax.
• Nominal Rate- the rate charged excluding compounding of interest and other charges associated with a borrowing, e.g. arrangement and security fees.
• p.a.- per annum (per year).

Membership includes access to all the benefits listed in the appropriate brochures and user guides.

Application of Account fees

The monthly account fees will be applied 16 days after the end of the charging period (or on the next business day if this is a Saturday, Sunday or Bank Holiday) and will appear on your account statement as 'CHG'. The charging period normally ends on the date that we send your statement to you.

Interest we pay you

The annual rates of interest paid on credit balances are as follows:

The following rates are effective from 25/11/2012

Calculation and application of interest

Interest is calculated on a daily basis and paid into your account once a month, usually the day after we send your statement to you.

1. Arranged overdrafts

If you have arranged an overdraft facility with us in advance and you use this facility within the thresholds shown below, you will not pay any interest.

If the amount you overdraw under an arranged overdraft facility exceeds these thresholds, you will pay interest at the rates shown in the tables below on the overdrawn balance - even the part of the balance which is within any interest free threshold that applies to your account. However, we will not charge interest on any part of the overdrawn balance which is an unarranged overdraft or represents fees, charges or costs of the kind described in our leaflet: RBS Personal & Private Current Account Terms; Personal & Private Current Account Fees & Interest Rates; Helping you get the most from your Personal & Private RBS Current Account (PDF). However, fees will apply to any unarranged overdraft.

If you have arranged an overdraft facility with us in advance under which you pay interest at a rate other than the rates shown in the tables below, the interest free thresholds shown below will not apply to your account.

Your overdraft may be subject to an arrangement fee. Our unarranged borrowing fees will apply if you borrow over your arranged limit. Please see the "Unarranged overdraft and Returned Items - Charges" section for details.

Current rates

The following rates are effective from 4th November 2012

Representative Example:
Overdraft limit: £1,200
Arrangement Fee: £0
Interest Rates 19.24% p.a. (variable)
Account Monthly fee: £16

Our unarranged borrowing fees will apply if you borrow over your arranged limit. Please see the 'Unarranged overdrafts and returned items – Charges' section for details.

2. Unarranged overdrafts

With effect from 4th July 2011, we do not charge debit interest on unarranged overdrafts.

Calculation and application of interest

Interest on arranged overdrafts is calculated on a daily basis and charged monthly.
The interest we charge in each charging period will be debited from your account 16 days after the end of that charging period (or on the next business day if this is a Saturday, Sunday or Bank Holiday). The charging period normally ends on the date that we issue your statement to you. If we are going to debit interest from your account, we will give you not less than 14 days’ notice of how much we are going to debit and when.

Sums which do not bear interest

We do not charge interest on unarranged overdrafts. Nor do we charge interest on any part of an arranged overdraft which represents a Returned Item Fee or Unarranged Overdraft Fee (see our leaflet RBS Personal & Private Current Account Terms; Personal & Private Current Account Fees & Interest Rates; Helping you get the most from your Personal & Private RBS Current Account (PDF) for details of these charges).

Arranged overdrafts – arrangement fees

Representative Example:
Overdraft limit: £1,200
Arrangement Fee: £0
Interest Rates 19.24% p.a. (variable)
Account Monthly fee: £16

Unarranged overdrafts and returned items - charges

Our Act Now Alerts can help you stay in control and minimise or even avoid fees for unarranged overdrafts and returned items. They specify the time by which you should credit your account with cleared funds to cover all payments and/or to bring your account back into credit or within any arranged overdraft limit. Find out more about Act Now Alerts.

If we are going to charge you an Unarranged Overdraft Fee and/or a Returned Item Fee, we will give you not less than 14 days’ notice of how much we are going to charge you and when.

Unarranged Overdraft Fee

An Unarranged Overdraft Fee will be charged for each day on which there is an unarranged overdraft of greater than £6 on your account at close of business on that day. Please note: we will only charge an Unarranged Overdraft Fee for a non-business day (i.e. a Saturday, Sunday or Bank Holiday) if there is an unarranged overdraft of greater than £6 owing on your account at close of business on the first following business day.

When charged

16 days after the end of the charging period (or the next business day if this is a Saturday, Sunday or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.

Fee Amount

£6 for each day for which an Unarranged Overdraft Fee is payable.

Returned Item Fee

A Returned Item Fee will be charged if:

• you informally request an unarranged overdraft by issuing instructions for a withdrawal or other payment; and
• the payment cannot be met from the funds in your account or any unused arranged overdraft facility; and
• we decide in our discretion not to make the payment.

When charged

16 days after the end of the charging period in which we decide not to make the payment (or the next business day if this is a Saturday, Sunday or Bank Holiday). The charging period normally ends on the date that we issue your statement to you.

Fee amount

£6 for each returned item (subject to a maximum of £60 in any charging period).

Making an informal request for an unarranged overdraft means you will normally have to pay a Returned Item Fee and/or an Unarranged Overdraft Fee. Please note that it is possible to incur both a Returned Item Fee and an Unarranged Overdraft Fee on your account on the same day or as a result of a single transaction (for example, where we take a Returned Item Fee from your account and this creates an unarranged overdraft of greater than £6 on your account).

For examples showing how our charges work, please see the section headed Unarranged Overdrafts and Returned Items in our leaflet RBS Personal & Private Current Account Terms; Personal & Private Current Account Fees & Interest Rates; Helping you get the most from your Personal & Private RBS Current Account (PDF).

Annual Holding Charges are applied in arrears so any withdrawal made prior to the anniversary of the deposit will incur a pro-rated amount of the annual charge. In addition, a £10 fee will be charged for initial deposits and any re-deposits following item inspection or temporary release. The charges set out above are inclusive of VAT. Please note that we only accept new items into Safe Custody for our Private Banking customers. Items already held by us in safe custody will continue to be held.

If the service you are looking for is not shown in the table above, please ask at any branch or call the number on your statement summary sheet.

Financial Services Compensation Scheme

Your eligible deposits with the Royal Bank of Scotland Plc are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme.

Any deposits you hold above the £85,000 limit are not covered.

View further information (PDF, 515KB) or visit www.fscs.org.uk

Benefit provider information

5* Defaqto rated Worldwide Family Travel Insurance
RBS travel insurance is underwritten by U K Insurance Limited (UKI) who are authorised and regulated by the Financial Services Authority. Registered No. 1179980. UKI is a Royal Bank of Scotland Group Company.

5* Defaqto rated Mobile Phone Insurance
This cover has been arranged for RBS by Aviva Insurance Limited (Registered in Scotland, company number 2116. Registered Office: Pitheavlis, Perth PH2 0NH. Authorised and regulated by the Financial Services Authority, number 202153)

5* Defaqto rated UK Car Breakdown Cover
RBS car breakdown cover is underwritten by U K Insurance Limited (UKI) who are authorised and regulated by the Financial Services Authority. Registered No. 1179980. UKI is a Royal Bank of Scotland Group Company.

National Trust for Scotland Days Out
This benefit has been arranged for RBS by National Trust for Scotland, Hermiston Quay, 5 Cultins Rd, Edinburgh, EH11 4DF. Registered Charity No. SC 007410.

tastecard Membership
This benefit has been arranged for RBS by Taste Marketing Ltd, 1 Victoria Court, Bank Square, Morley, Leeds, West Yorkshire LS27 9SE. Registered in England 05545626.