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.

Explore our products

Current accounts

We have different current accounts to suit you. Browse our fee-free current accounts, or see the extra benefits you could receive with our range of Reward accounts. 

To apply you must be 18+ and a UK resident. Fees and charges apply.


Could we help you save money on your mortgage? 

Use our tools, including our mortgage calculator, to help you find out.

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.


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.


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.  


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.

Switch to Royal Bank of Scotland

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.

How to save money on your energy bills

Get simple tips for using less energy in your home.

Small changes could add up to some helpful savings.

Prices are up. Let's try and soften the blow.

We're experiencing the biggest price hike for 50 years. Inflation, energy prices, tax rises and the Russian invasion of Ukraine, have all played a part. So we've got a few things you could try to help take some pressure off your pocket.

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 updated in February 2022)