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Existing customers

Manage your Reward account

Explore your Reward account

We want to make your financial life as simple as possible, so we’ve gathered all the information for your Reward account in one place.

Managing your account

Card services

Activate your card

Lock your card

Report your card lost or stolen

Order a card reader

Our accessible debit card

Using your debit card abroad

Overdrafts

Arranged overdrafts

Ways to pay

Contactless payments

Use contactless for an easy and safe way to pay for all those everyday items. Limits apply.

Google and Apple Pay

Just add your debit or credit card to digital wallet - Apple Pay or Google Pay™ on your phone for an easy and secure way to pay. Apple Pay and Google Pay are available on selected devices. Retailer limits may apply.

Fast and easy payments

You can make payments or transfers on the go using our mobile app or Digital Banking. Limits apply.

Account T&C's

Current account terms, rates and charges

Do I need to register for MyRewards?

Great news, you don't need to register for your Rewards. We'll set up your Rewards account for you when your account is opened. You can see and manage your MyRewards balance in the Royal Bank app. There's no need to use a password.

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You need to pay in £1,250 to an eligible Royal Bank account every month. 

How to earn Rewards

Every month you can:

  • Get £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each).
  • Get £1 a month back in Rewards with 1 mobile app log in.
  • Earn Rewards at partners when you use your Royal Bank debit card.
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How to claim your Rewards

The choice is yours. You can:

  • Redeem Rewards as cashback which you can then transfer straight into your bank account or pay towards your Royal Bank credit card balance.
  • Exchange for e-gift cards which you can use online or in store with our eligible partners.
  • Exchange your Rewards into money which is donated to one of our chosen charities
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Accessing MyRewards is easy

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. A link will pop up, tap this, and you’ll be taken straight to MyRewards in your Royal Bank mobile banking app. 

 

Not able to scan the QR code? 

You can still get into MyRewards by:

  1. Using this MyRewards link to get into your app.
  2. Or you log in using Digital Banking and use the MyReward section to access MyRewards.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Accessing MyRewards is easy

You’ll be taken straight to MyRewards in your Royal Bank mobile banking app.

Don't have the app? 

Access MyRewards by logging in to Digital Banking and click the MyReward section.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Accessing MyRewards is easy

You’ll be taken straight to MyRewards in your Royal Bank mobile banking app.

Don't have the app? 

Access MyRewards by logging in to Digital Banking and click the MyReward section.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Make banking simple with our mobile app

Save your spare change with Round Ups

Pay with your debit card and we'll round up the amount to the nearest pound, then send the spare change to your savings account.

Save little and often and the pennies soon add up. Eligibility criteria and limits apply.

Check your credit score for free

Get on top of your finances by regularly monitoring your credit score in our app.

Available once opted in through the app to customers aged 18+ with a UK address and is provided by TransUnion.

Get Cash without your card

Withdraw up to £130 every 24 hours from our branded ATMs. You must have at least £10 available in your account and an active debit card.

Simply log in to your app and click on the “Get Cash” icon - you’ll find it at the bottom of the app home screen.

Pay in cheques securely

You can now pay in your cheques anytime, anywhere. Just take a photo of the front and back of the cheque using our app and the money will be paid into your account. It's simple, secure and saves you a trip to the branch.

Limits apply.

Request money from within our app

You can now request money from within the mobile app without sharing your account details.

“PayMe – Ask for Payment” allows you to request money from almost anyone with a UK bank account. Eligibility criteria and limits apply.

Budget better, spend less

Put your spending into categories and get a detailed view of where your money is going.

You must be aged 16+. Only available for Personal and Premier accounts.

Change your bank account

It's quick and easy to change your current account through your Royal Bank mobile app or Digital Banking, we'll even pre-fill the application for you.

We have a range of accounts to choose from. The Select account could be ideal if you want to keep things simple, or check out our Reward bank accounts if you're interested in receiving extra benefits and rewards. 

Specific account eligibility criteria and monthly fee may apply.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?