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Bank accounts

Open a Reward bank account without photo ID

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To apply, you need to be 18+ and a UK resident. You need to also pay in £1,250 to an eligible Royal Bank account every month. You can only hold a maximum of 1 Reward account in your name, and 1 in joint names.

No photo ID? You can still start your application

You can apply for an account with us online without photo ID, but you will need to give us your original documents within 14 days. 

Once you complete your application you will be given a reference number. Make a note of this number as you'll need it when you present your original documents as the final part of your application.

You won't be able to use your account until we see your original documents and your reference number.

For a reminder of the documents we accept, please return to our What you need to open a current account page.

Find out how to get your original documents to us:

 

A Reward bank account for a little something extra

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.

Easy-to-use mobile banking app.

Arranged overdraft available (subject to eligibility).

Choose your way to pay with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.

£2 monthly fee.

Learn how to earn and exchange Rewards

Earn Rewards

Up to £5 a month back

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!

Also earn from 1% in Rewards when you spend with your Royal Bank debit card at our partner retailers. Check out our current retailers in the mobile app. 

Your Rewards balance can grow quickly, they're easy to earn and they're easy to exchange!

Information Message

Exchange Rewards

For cash back, gift cards and more

Once you reach £5 in Rewards, the choice is yours. Redeem Rewards as money back into your current account, trade them up for eGift codes, or donate to one of our chosen charities.

How to exchange your Rewards?

Great news, there is no need to set up your Rewards. You can see your MyRewards balance and claim straight from the Royal Bank app with the touch of a button. There's no need to use a password. 

Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear. 

Information Message

Get ready to apply

To make sure this account is right for you, please take your time to understand how you can earn and exchange Rewards. Not sure yet? Take a look at our Select everyday bank account with no monthly fee.

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

  • are aged 18+ and a UK resident
  • will pay in £1,250 each calendar month to any eligible personal current account you have with us
  • do not currently hold 2 Reward accounts (1 sole and 1 joint).

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Digital Banking - not posted. Please take some time to review, print and/or save the important information.

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.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

All okay? Apply for a bank account online today.

You can start your application for a Reward account now. Just remember to provide us with your photo ID in the next 14 days.

Continue

Let’s get started

  • Tell us about yourself

We’ll ask you some questions to get your account set up.

  • Reserve your account

Once you’re done we’ll reserve your account and give you a reference number.

  • Visit a branch or post your ID to us

To activate your account you’ll either need to pop into a branch with your reference number and ID or send them to us by post.

Find out what type of ID we accept (opens in a new window)

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