Packaged bank accounts

Change your account to Reward Platinum

Boost your benefits with our Reward Platinum account

  • Earn £4 a month in Rewards for 2 or more direct debits of at least £2.
  • Earn £1 a month in Rewards just by logging into our mobile app.
  • Mobile phone insurance.
  • UK car breakdown cover.
  • Worldwide family travel insurance.
  • Free from non-sterling transaction fees on purchases abroad.
  • Choose your way to pay with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.

£22 monthly fee.

Get travel insurance and other benefits with our packaged bank accounts

Our Reward Platinum account is packed full of extras to help you while you're abroad. 

Worldwide travel insurance (with COVID cover)

Family travel insurance that covers you and your eligible partner and dependent children for trips up to 31 days. It includes emergency medical expenses, cancellations, baggage and more.

Worldwide travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Spending abroad

No non-sterling transaction fees when you buy with your debit card abroad.

  • Use your debit card for purchases anywhere in the world, in any currency, without worrying about charges for using your card abroad.
  • There is no non-sterling transaction fee when using your Reward Platinum debit card outside the UK.
  • Not valid for ATM withdrawals. Other local fees may apply.

Other features and 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 warranty has expired). Underwritten by Aviva Insurance 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).


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

Earn £4 a month back in Rewards for two or more Direct Debits - two of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with one mobile app log in. That's up to £5 a month back in Rewards to spend on whatever you like.

Exchange Rewards

Once you reach £5 in Rewards, the choice is yours. Bank it into your NatWest current or savings account, exchange for gift cards and e-codes with our partners, or donate to one of our chosen charities. 

Banking with us

Mobile app

Stay in control of your money with our easy-to-use Mobile Banking app.

Our range of savings accounts

We have a range of savings accounts available to our current account holders.

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?

An arranged overdraft is available with this account (subject to eligibility).

An overdraft is a form of borrowing and is repayable on demand. It can be useful for short term borrowing.

To apply for or amend an overdraft on your account visit our Overdraft pages.

Now please take a look at the important legal info

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Change your account today

Before we begin your application for a Reward Platinum account, we need to do a few final checks with you. First things first. You can apply if you:

  • are aged 18 or over and a UK resident.
  • already have a Royal Bank current account.
Do you have a current account with Royal Bank?
Do you have our app on a mobile device?
You can apply using either the mobile app or Digital Banking. The mobile app is easier and quicker as we can prefill some of your information.

Great, let's get started

Just a heads up, you'll need to take a few steps to start your application.  

  1. If you're already using a device with the Royal Bank app, select the 'Start application' button below. Using a desktop? Simply scan the QR code with your mobile device that has the Royal Bank app.
  2. Once logged in, select 'Current Accounts'. 
  3. Then choose what type of account you would like to open, change or switch to, and follow the instructions within app to start your application. 

Can't scan the QR code?

Do you have RBS Digital Banking?

Log in to Digital Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Digital Banking pin and password.
  3. Once you're logged in, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a Reward Platinum account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank Debit Card, if you have one.

Once you’ve registered, select ‘Next’ to log in and apply for a Reward Platinum account. 

Log in to Royal Bank Digital Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Digital Banking pin and password.
  3. Once you're logged in, select 'Current accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Forgotten your Digital Banking Details?

If you've forgotten your log in details, don't worry, select 'Reset my Digital Banking' for further instructions. 

How to download and apply via the app

First, download the app, then:

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. Follow the link that pops up to download the app.
  3. Use your details to log in, then select ‘Apply’ at the bottom of the app.

Can't scan the QR code?

Available on selected devices.

Compare our current accounts

We're sorry but you must have an existing Royal Bank current account to upgrade to a Reward Platinum. 

Our Select and Reward accounts are available to new customers. If you still like the look of our Reward Platinum account you can come back and upgrade later.