Current account options
- Select Account
- Select Silver Account
- Select Platinum Account
- Black Account
- Student current account
- Graduate current account
- Bank accounts for young people
- Bank accounts for international students
- Basic Account
- Other accounts
- Compare our range
Existing customers
- Welcome to RBS
- Overdrafts
- Access your benefits
- Royalties Gold
- Upgrade your account
- Upgrade to a Student Account
- Text alerts
- Mobile Banking
Help and guides
Rates and charges
Useful information
Upgrade your account
It's easy to upgrade your current account online
| Expand / Collapse additional benefits | Select Account No monthly account fee | Select Silver Account £10 per month | Select Platinum Account £16 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. | ...want 5* Defaqto rated insurances for worldwide travel, your mobile and car breakdown as well as much more. |
| Visa Debit card | |||
| Branch Banking - over 640 UK branches | |||
| Digital Banking | |||
| UK Call centres 24/7 | |||
| Mobile Banking and iPhone app | |||
| Text alerts | |||
| Full UK ATM access | |||
| Emergency cash | |||
| Overdraft (subject to eligibility) | |||
| Overdraft interest free threshold | £100 | £100 | £250 |
| Cheque book | |||
| Direct Debits and standing orders | |||
| Dedicated switching team | |||
| Fraud alerts | |||
| 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 for you and your family for up to 31 days per trip, including winter sports (members and joint account holders aged 70 years and over must pay an additional annual premium of £50 per account) and you must call us if you have an existing medical condition). | |
| Mobile Phone Insurance | Covers original replacement value (excluding additional embellishments) | Covers original replacement value (excluding additional embellishments) | |
| Green Flag Car Breakdown Cover - incl. Homecall | includes National Recovery | ||
| LOVEFiLM DVD Rentals - Online access is required | |||
| hmvdigital downloads | |||
| Identity Theft Assistance | |||
| National Trust for Scotland Days Out | |||
| tastecard Membership | |||
| Preferential Travel Money | |||
| Show all 23 benefits | Show all 23 benefits | ||
| Find out more | Find out more Upgrade | Find out more Upgrade |
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.