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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 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’re not eligible for the bank account you are applying for, you might be offered the Foundation account instead. You cannot apply directly for a Foundation account.

Joint accounts

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

Bank accounts for Ukrainian refugees

We’ve set up a new account opening process to help Ukrainian refugees set up in the UK. Here you’ll find details on the account, how the process works & other assistance, including instructions translated into Ukrainian and Russian, and guidance on accessing your account once open.

Customers must be 18+, hold a Ukrainian passport or Ukrainian national ID card, and a valid visa (or similar – see account for full details).  

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

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?

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 (PDF, 4MB) about the scheme and how it protects your money.