Bank accounts

Ready for your next bank account?

Get our £200 offer when you switch to Royal Bank

Apply online or via our mobile app to switch a current account held elsewhere using the Current Account Switch Service into a Royal Bank account from 15 February 2024.

Deposit £1,250 into your account and log in to our mobile banking app within 60 days. App eligibility criteria apply. 

When you meet these conditions, we'll pay £200 into your eligible account within 7 days

Your switch must fully complete to receive the incentive, this means your old bank account will close and any funds and Direct Debits will move over to us. The deposit of £1,250 can be made up of multiple credits and must remain in the account for 24 hours. If you've previously received a switcher incentive from NatWest Group since 01 January 2020, you will not be eligible for this offer. Offer can be withdrawn or amended at any time. Account eligibility criteria apply.

Switch offer T&Cs apply (PDF, 166KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Everyday bank account

The one that just gets things done.

Basic current account today, access to RBS's vast offering for your future tomorrow.

  • Access to a 5 star rated account.
  • Free of monthly fees.
  • Quick to set up, easy to use.

Must be 18+ UK resident to apply.

Reward account

The one that gets your money working for you.

Daily spend + Direct Debits = Rewards.

  • Get rewarded for everyday banking.
  • Earn rewards for spending at our partner retailers with your Royal Bank debit card.
  • Every month, earn £4 back in  Rewards for paying 2 or more Direct Debits from your reward account - 2 of those Direct Debits need to be at least £2 each. 
  • All this for £2 a month.

Must be 18+, UK resident, and pay in £1,250 to an eligible Royal Bank account every month. T&Cs apply.

Other current accounts

Joint accounts

Share your banking

A joint bank account could make sense if you're looking to share your Select or Reward account with someone you trust.

Information Message

Foundation account

A straightforward account

If you're not eligible for the bank account you are applying for, you might be offered the Foundation account instead. You can't apply directly for this account.

Information Message

Ukrainian refugee account

Let's get you set up in the UK

We've set up a new account opening process for you. Choose from the languages below to find more details and eligibility criteria.

Подати заявку онлайн

Подать заявку онлайн

Information Message

Premier accounts

Access extra perks

Enjoy a host of exciting benefits with our Premier current accounts. 

Specific account and Premier eligibility criteria apply. 

Information Message

For existing customers

Upgrade your existing RBS current account to a packaged account. Specific account eligibility criteria apply.

Reward Silver

£10 monthly fee

  • European travel insurance.
  • Mobile phone insurance.
  • Fee-free foreign card purchases.
  • Plus, all the benefits of the Reward account.
Information Message

Reward Platinum

£20 monthly fee

  • Worldwide travel insurance.
  • UK car breakdown cover.
  • Includes all Reward Silver's benefits too.
Information Message

Student, child & teen accounts

Information Message

Specific account eligibility criteria applies.

Student bank account

The one that makes studenting easier.

  • A  4-year free tastecard (worth £29.99 per year). Offer T&Cs apply. Based on the standard annual cost direct from tastecard excluding any offers. Correct as at 23rd May 2023. 
  • 18 or older? Interest-free overdraft - get an overdraft of up to £2,000 from year one (limited to £500 in term one year one), with an instant online decision. Students can a apply for up to £3,250 interest-free from year three onwards.
  • Fee-free.

Specific account eligibility criteria apply. Overdraft subject to eligibility.

Information Message

Child & Teen

Looking for a kid's account?

Revolve account (11-17 year olds)

  • Current account with a contactless debit card for 11-17 year olds. 
  • Earn 2.70% AER / 2.67% Gross p.a. (variable) interest on the balance.
  • Apple Pay (if you're 13+) and Google Pay™ (if you're 13+). Limits apply.

Rooster Money (3-17 year olds)

  • Parent-managed pocket money app for 3-17 year olds.
  • Set allowances and track your kids' spending and saving.

Eligibility criteria, fees & charges may apply. T&Cs apply (PDF, 100KB).

Information Message

Banking made better

Protecting your money

Eligible deposits with us are protected up to a total of £85,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme.

Information Message

Switch to RBS

With another bank?  The Current Account Switch Service will move everything from your old account over to us in 7 working days. Let us know in your application if you want to switch and when to get the ball rolling. Click the link below to find out more.

Current Account Switching

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

Information Message

Supporting our customers

See how we've performed in key service areas and view details on how we support all personal banking customers.


RBS performance indicators (PDF, 72KB)

Information Message