Bank accounts

Ready for your next
bank account?

Our 5 star rated day-to-day bank account, with no monthly fee
  • Manage your account using our Mobile Banking app. Criteria applies.
  • Multiple ways to pay; Apple Pay, Google Pay and contactless Visa Debit Card. Limits apply.
  • No monthly fee.

To apply, you need to be 18+ and a UK resident.

Additional bank accounts

We also offer additional bank accounts to suit your needs

Specific account eligibility criteria applies.

Earn monthly Rewards

For £2 a month you'll get:

  • £4 a month back in Rewards for 2 or more Direct Debits (at least £2 each).
  • £1 a month back in Rewards with 1 mobile app log in.
  • Earn from 1% in Rewards when you spend at our partner retailers: Caffe Nero, Europcar and more.

To apply, you need to be 18+ and a UK resident. You also need to 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 joint names.

Get uni life off to a great start
  • 4 year tastecard.
  • Apply for an interest free overdraft of up to £2,000 (£500 in the first term). 18+, subject to approval.
  • Use our mobile app to help you bank anytime, anywhere.

Offer T&Cs apply.


Helping 11-17 year olds get a head start with money management
  • Interest payments on the account balance.
  • Get your own Contactless Debit Card, works with Apple Pay and Google Pay™. Apple Pay available for ages 13+ and Google Pay™ available for ages 16+.
  • Easy to use mobile app (with payment restrictions).
  • No monthly fee.

Foundation account

If you've encountered difficulties with money, you may not be eligible for a number of our bank accounts and might be offered the Foundation account instead. You can't apply directly for this account. We may offer it to you if we think it's more suitable during an application for one of our other accounts.

Joint accounts

If you're looking to share your account with another, a joint bank account could make sense.

For our existing customers...

If you're a Royal Bank current account customer you can switch in or change your existing current account to a packaged account. Available online only. 

Reward Silver

£10 monthly fee.

Reward Platinum

£20 monthly fee.

Premier Reward Black

£31 monthly fee. Premier criteria applies.

Switch to Royal Bank

For our existing customers

If you are over 16 and already have a current account with us, you can move everything across from your old account to your account with us within 7 working days using the Current Account Switch Service.

Visit our Switching page for more information on how the service works and to start your application.

For our new customers

Once you have opened a current account with us, you can use the Current Account Switch Service to move everything across from your old bank including all Direct Debits and standing orders within 7 working days.

You can choose your account from our above range.

The Current Account Switch Service is only available to switch current accounts. 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)

Supporting our customers

If you want to see how we have performed in key service areas and how we support all personal customers, you can get a detailed view here

Financial services compensation scheme

Your eligible deposits with the Royal Bank of Scotland are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

Find out more about the scheme and how it protects your money.