Open our everyday bank account

A personal current account is a type of bank account people use for their day-to-day personal banking. It allows you to keep your money in a secure place and lets you receive money, like from an employer.

You can also transfer money out, for example if you were buying something you need. You can also use an account like this to set up direct debits for recurring payments you make for things like rent and energy bills.

To open a bank account with the Royal Bank you’ll need to tell us your full name, home address and contact details. We'll also ask about your nationality and tax residency status (which country you pay tax in). If you’re looking for an overdraft, we’ll also ask about your finances and your monthly take home pay.

You will also need to show us ID, which could be a drivers license or passport, as well as proof of address - which could be a UK utility bill or council tax bill. 

Take a look at the types of ID and proof of address we will accept

Yes, after you’ve applied for a bank account with us you'll get an instant decision. But, if we need more details from you, then it can take 3 to 5 days for your account to be up and running. 

Banking My Way is a free service that allows you to record information about the support or adjustments you need to make banking easier. You can also let us know any additional support you may need to ensure all of our colleagues are aware of this. The information will be shared on our internal systems and therefore you will not need to repeat these requirements every time you interact with us.

Once your account is open, you can record this through Digital Banking or with our colleagues in branches or over the phone.

Learn more about Banking My Way