Current Accounts
We have different current accounts to suit you. Browse our fee-free current accounts, or see the extra benefits you could recieve with our range of Reward accounts.
To apply you must be 18+ and a UK resident. Fees and charges apply.
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Discover our range of current accounts
Current accounts designed for you
Choose from our fee-free account or view our full range of accounts.
To apply you must be 18+ and a UK resident. Specific account eligibility criteria applies.
Get rewarded for saving regularly
Our Digital Regular Saver, gives you our highest interest rate at 3% Gross/3.04% AER p.a. (variable), on balances up to £1,000.
Save £1-£50 per month and access your money at anytime.
Specific account eligibility criteria and conditions apply.
Mortgages
Could we help you save money on your mortgage?
Use our tools, including the mortgage calculators, to help you find out.
Royal Bank of Scotland mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Credit cards
Take a wee look at our credit card range and choose the card that suits your lifestyle.
Eligibility applies. Over 18’s only.
Savings
We’re on a mission to help more people save.
We’re confident our accounts are tailored to a range of goals, and our savings tools could make the journey even easier.
Specific eligibility criteria applies.
Overdrafts
If payday is still a long way off and things are a bit tight, an arranged overdraft could act as a short-term safety net.
Subject to approval. Representative 39.49% APR (variable)
To apply, you must be a UK resident, 18+ and have an eligible Royal Bank of Scotland bank account.
Investments
Investing over the longer term could help your money reach its potential.
Royal Bank Invest is a simple way to get started, invest online and Coutts investment managers will do the hard work for you.
The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.
Simplicity of switching your Current Account
Want to keep your banking all in one place? It only takes 7 days and your Direct Debits will be moved over, and all the tricky admin bits will be covered.
A helping hand for your banking needs
Visit our Support Centre to find the help and support you need, including our frequently asked questions.
Energy saving changes for your home
Take a look at how you could save money in the long term with some changes to help improve the energy efficiency of your home.
What Brexit could mean for you
Our number one priority is to serve and support our customers. Find out more about how we can help with your Brexit banking queries.
Independent service quality survey results for personal current accounts
As part of a regulatory requirement, an independent survey was conducted to ask customers of the largest 17 personal current account providers if they would recommend their provider to friends or family. (Last update: Aug 2021)