Existing customers

Explore your Reward Platinum benefits

You get a range of benefits from car breakdown to travel insurance and much more 

Important changes to your Platinum account benefits

We’re making changes to your travel insurance and some of the other benefits that come with your account.

From 1 February 2024, our travel insurance provider is changing from U K Insurance Limited to AWP Assistance Ltd (trading as Allianz Assistance).

To find out more about this and other changes, please review all supporting documents here.

Changes to your Platinum benefits

We’re making changes to your travel insurance and some of the other benefits that come with your Platinum account.

Features and benefits

Travel benefits

Travel insurance

Do you love to travel? Our worldwide travel insurance covers you and your family for trips of up to 31 days. The policy also includes winter sports and £10 million medical expenses cover. Underwritten by U K Insurance Ltd.

Travel Service*

Our travel service allows you to access a range of travel agencies in one place, to find the best holiday for you. You can save money on holidays, airport parking, baggage allowance and more. *Travel Service is being withdrawn from 1 March 2024.

Fee-free debit card purchases abroad

No non-sterling transaction fee when you use your Reward Platinum debit card abroad.

Protection benefits

Mobile phone insurance

When bad things happen to your mobile, you need good cover. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s has expired). Underwritten by American International Group UK Limited.

UK car breakdown cover

If your car breaks down, you’re sorted, the AA will get you and your vehicle home or to your preferred location, anywhere in the UK, if they can't get your vehicle going again. Provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

Lifestyle benefits

Cinema discount

Enjoy savings on cinema tickets at over 250 cinemas nationwide.


If you love eating out, you’ll love this offer: get 2 for 1 meals, 50% off food or 25% off food and drinks at thousands of restaurants UK wide.


Earn Rewards

Redeem and exchange Rewards

How do I access MyRewards?

Change your bank account

Want to change your bank account?

It's quick and easy to change your current account, you'll keep your existing sort code and account number.

Specific account eligibility criteria and monthly fee may apply.

Frequently asked questions

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?

Something else we can help you with?