Packaged bank accounts

Change your bank account to Reward Silver

Even more benefits with a Reward Silver bank account

  • Earn from 1% in Rewards when you spend with your Royal Bank debit card at our partner retailers. 
  • Redeem Rewards as money back into your current account, trade them up for eGift cards, or donate them to charity.
  • Insurance cover for European travel.
  • Mobile phone insurance.
  • Free from non-sterling transaction fees on purchases abroad.
  • Arranged overdraft available (subject to eligibility).
  • Choose your way to pay with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.
  • £10 monthly fee.

Our packaged accounts come with benefits to help you travel abroad

Travelling this summer? With Reward Silver you can get European travel insurance and no non-sterling transaction fees on debit card purchases when using your card abroad.

European travel insurance (with COVID cover)

You’re covered for 22 days per trip for UK and European travel (including winter sports). It includes emergency medical expenses, cancellations, baggage and more.

European travel insurance is underwritten by U K Insurance Limited.

No foreign transaction fees for using your debit card for purchases abroad

Customers with a Reward Silver account don't pay any non-sterling transaction fees.

That means you can make purchases with your Reward Silver debit card anywhere outside the UK, in any currency, without worrying about being charged for using your card abroad. Other local fees may apply.

Information Message

Withdrawing cash when abroad

Cash is accepted everywhere, so it can be a good idea to have some on you, especially if you’re travelling off the beaten track. However getting money from a cashpoint abroad can come with charges. You’ll most likely be charged a non-sterling transaction fee.

Information Message

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 American International Group UK Limited.


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 2 or more Direct Debits - 2 of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with 1 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 Royal Bank account, trade up for gift cards and e-codes with our retail 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 Silver 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 already have a current account with Royal Bank?
What would you like to do today?

You're all set

During the application, you'll need the account number and sort code of the current account you want to change. You can find these in your app/Digital Banking.

As you’re changing your existing account to another, you’ll:

  • Keep your existing sort code, account number and debit card. Your existing standing orders and direct debits will stay the same. 
  • Retain your arranged overdraft limit.
  • See no impact to your credit rating.

You're all set

You’ll need these bits of info handy for your application:

  • The account number, sort code and debit card number of the bank account you want to switch to Royal Bank
  • The account number and sort code of your existing Royal Bank current account

The Current Account Switch Service will move everything across from your old bank account to your Royal Bank current account within 7 working days. 

Compare our current accounts

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

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