Make the most of your Reward bank account

A Direct Debit is an agreement between you and the organisation you’re paying, which allows the organisation you want to pay to collect varying amounts from your account – but only if you’ve been given advanced notice of the amounts and dates of collection.

View or cancel a Direct Debit 

You can easily view or cancel a Direct Debit via our mobile app or through your Digital Banking. 

Go to the app

While you can’t set up a Direct Debit without the input of the people you are paying, you can view and cancel your Direct Debit directly with us.

You have up until 8.20pm (UK time) on the day the payment is due to cancel.

Find out more on setting up and viewing Direct Debits

You can make payments or transfers on the go by logging in to our mobile app. Using your mobile app you can:

• Pay someone new* up to £1000 without needing a card reader
• Pay saved payees
• Create, amend and cancel regular payments

*There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.

Alternative log in to Digital Banking where you can view your balance and statements, make payments, transfers and more to help manage your account.

Find out more about making payments

Find out more about making international payments

An arranged overdraft could be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

If you already have an arranged overdraft limit on your account that you feel is too low or too high, we could help you change it. Use the link below to explore our overdrafts.

Overdrafts are available to eligible Royal Bank current account customers, UK residents aged 18 or over. Subject to lending criteria.

Explore our overdrafts

You'll start earning Rewards as soon as you have a Reward account.

To redeem your Rewards you can log in to your MyRewards account directly through our secure mobile banking app without setting up an account*. Just log into the app and scroll down your accounts list to where you'll see 'MyRewards', select ‘Exchange Rewards’. You'll be navigated the MyRewards site and you'll be able to see your redemption options and the easy-to-follow redemption instructions.

*If you don't have the app, you can redeem your Rewards through Digital Banking. Head over to the MyReward section to redeem and view your Rewards.

No, your Rewards won't expire. There is no time limit to exchange your Reward balance.

If you’ve exchanged your Rewards for an eGift card, please check your MyRewards voucher for the expiry date.

If you're looking for a bank account that also lets you earn something back, without paying a hefty monthly fee, the Royal Bank Reward account could be for you.

You can earn rewards for everyday banking actions you would make, like having 2 or more direct debits, or logging into our mobile app. However, it’s always worth researching carefully before you apply for your Reward account to make sure it's right for you.