Your Reward Black account, packed with benefits

What's included:

• Worldwide travel insurance that covers you and your family for 90 days per trip (including 31 days for winter sports).
• Cover for you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married nor in a civil partnership.
• Emergency medical expenses, cancellations, baggage and more.

Key exclusions:

• Your partner must be a person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting.​
• If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to purchase an age extension upgrade. There will then be a £75 annual premium per person aged 70 or over.
• Pre-existing medical conditions aren't automatically covered. You may have to pay extra for this, or you may find that your condition cannot be covered.
• To see if you can extend your travel insurance for over 70s, or to include a new or existing medical condition, please sign in and complete the online form.

Policy underwritten by AWP P&C SA and administered by Allianz Assistance.

Full details on travel insurance

• If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to purchase an age extension upgrade. There will then be a £75 annual premium per person aged 70 or over.
• Pre-existing medical conditions aren't automatically covered. You may have to pay extra for this, or you may find that your condition cannot be covered.
• To see if you can extend your travel insurance for over 70s, or to include a new or existing medical condition, please sign in to Membership Services and complete the online form.

Or you can call Membership Services:

UK: 0345 266 8801 | Relay UK: 18001 0345 266 8801 | Overseas: +44(0)208 666 9277 | 24/7, 365 days a year.

What if Allianz Assistance are unable to offer me an upgrade?

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the MoneyHelper Directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777 | Monday to Friday, 8am-6pm | Saturday, Sunday and Bank Holidays, closed.

Full details on travel insurance

To make a travel insurance claim please log in and complete the form online.

You can also visit the Allianz Assistance Hub (accessed through your Royal Bank app or Digital Banking). There you can check your policy details, purchase policy upgrades, submit a claim, or add and manage travellers.

Or you can call Membership Services:

UK: 0345 266 8801 | Relay UK: 18001 0345 266 8801 | Overseas: +44 208 666 9277 | 24/7, 365 days a year.

Full details on travel insurance

A non-sterling transaction fee is usually applied to any payment made in a foreign currency. When you use your card abroad, we need to convert the transaction from the local currency into sterling.

Our non-sterling transaction fee for debit cards is 2.75% of the value of the transaction. 

With a Premier Reward Black account, you won't pay any non-sterling transaction fees when paying with your debit card anywhere in the world.

Using your Reward Black debit card abroad

With a Premier Reward Black account, you won't pay any non-sterling transaction fees when paying with your debit card anywhere in the world.

• Not valid for ATM withdrawals.
• Other local fees and exchange rates may apply.

Using your Reward Black debit card abroad

• Enjoy unlimited member visits to any airport lounge across the DragonPass network.
• A visit means one entry to an airport lounge.
• For joint accounts, two account holders are entitled to unlimited airport lounge access. You'll both need to have your membership cards (either the plastic card or digital version available through the app) and present them upon arrival at a lounge.
• You will also be able to access discounts at participating airport restaurant and spas.
• Guests travelling with you, who don’t have a Premier Reward Black account, can use the lounge for a payment of £24 per person.
• You are also eligible to receive discounts at airport cafés and restaurants, a handy alternative where no lounge access is available.
• DragonPass Premier+ also gives you access and exclusive discounts at airport spas to truly relax and unwind before your flight.

Key exclusions

• Not every lounge allows pre-booking and will be subject to availability. 
• £5 pre-booking fee will apply.
• If you are paying for a guest to enter one of the airport lounges, this is an additional charge of £5 on top of the £24 entrance fee.

Download DragonPass Premier+ app before you travel to check lounge listings and any restrictions that may be in place. 

Provided by Assurant (a trading name of Lifestyle Services Group Limited) and DragonPass International Limited.

We’ll automatically send you a DragonPass Premier+ membership card in the post when you open or upgrade to a Premier Reward Black Account. The card will take around a week to arrive.

Remember to take your DragonPass Premier+ membership number with you when you travel. It's also useful to have your passport or boarding pass ensuring your name aligns on all the documents and, where you have pre-booked, your booking confirmation.

If you have a joint account, you'll both need to have your membership numbers and present them upon arrival at a lounge.

Download the DragonPass Premier+ app before you travel to check lounge listings, opening times and information on restaurant and spa offers.

• The AA provide our UK & European breakdown cover and includes getting you to a destination of your choice if they can't get your vehicle going again.
• You’re covered as a driver or passenger in any privately registered vehicle you travel in throughout the UK. 
• Anyone driving or travelling in your vehicle is covered too.
• You’re also covered in Europe for trips that start and end in the UK (see your terms for a full list of qualifying countries).

Types of breakdown cover included with our bank accounts

• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Key exclusions

• Vehicles used for commercial purposes are excluded.
• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.
• All vehicles must meet legal requirements - insured, taxed and with a valid MOT.
• All vehicles must weigh no more than 3.5 tonnes and be no wider than 2.55 metres.

Policy is provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

See our full list of what's included

If you’ve broken down and need help, you can register and track this on the AA app or call us on:

UK: 0345 266 8801 | Relay UK 18001 0345 266 8801 | Overseas: +44 2392 668 814 | 24hrs a day, 365 days a year.

• You're automatically covered but we recommend you register your mobile phone to make the claims process quicker.
• Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (once your manufacturer's warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.
• 4 approved claims during any 12-month period. If this is a joint account, each account holder can make 4 approved claims.
• Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250.

Key exclusions:

• £50 excess when you choose our convenient walk-in or mobile repair options.
• £100 excess when your phone is replaced.
• Phones with a screen size of 7 inches or greater aren’t covered.
• Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis.
• There’s no cover for phones owned by your employer.

Policy underwritten by Aviva Insurance Limited.

Full details on mobile phone insurance

We know it can be stressful when something happens to your phone, so we want to make the process as easy as possible. Simply:

• Log in to register a claim online, or call us to speak to an agent. We’ll run through a few details and ask you some questions.
• Contact us to report the incident. Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
• Let your network provider know about the situation and report the incident to the police if relevant. They’ll give you a crime reference number if your phone has been stolen.
• Arrange for collection of your device if it needs to be repaired. Remember, you have to be in the UK for us to collect your phone.

Alternatively you can call us on:

UK: 0345 266 8801 | Relay UK 18001 0345 266 8801 | Overseas: +44 2392 668 814

Monday to Friday, 8am-8pm | Saturday, 9am-6pm | Sunday, 10am-5pm | Bank Holidays will be opened during the same hours noted, excluding Christmas Day and New Year’s Day.

Full details on mobile phone insurance

• Covered up to £750 including VAT.
• Cover applies for two homes – your main residence and any second you own in the UK (excluding properties you rent out).

An emergency means an incident in the home, which if not dealt with quickly, will:

• Make the home unsafe or insecure
• Cause damage to the home and its contents
• Leave the home with a total loss of its main source of heating, lighting or hot or cold water

Emergency incidents that will be covered are:

• Vermin such as rats, mice, or wasp nests inside your home
• Blockages in toilet waste pipes where there is only one toilet in your home
• Plumbing problems related to leaking pipes, blocked drains, water tanks, or leaking radiators
• Failure of the main source of heating
• Gas or electricity failure within your home
• Hot or cold water failure
• Loss of keys to your home
• Broken or damaged winders and doors presenting a security risk to your home.

Key exclusions

• External water supply pipes.
• Boilers over 10 years old, or with an output over 75kw.
• Any emergency, if your home has been unoccupied for more than 60 consecutive days.
• Detached garages and outbuildings.
• Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

For full details of exclusions please refer to your Benefit Terms

Your Home Emergency cover is not a household buildings or contents insurance policy, or an equipment maintenance contract. The home must be owned by you and be your permanent, or secondary, private place of residence. Your home must be in the United Kingdom or the Isle of Wight.

Cover underwritten by U K Insurance Limited.

If you suffer an emergency at your home please call us on:

UK: 0345 266 8801 | Relay UK 18001 0345 266 8801 | 24hrs a day, 365 days a year.

• Secure premium tickets to sold-out concerts, theatre shows, and sporting events
• Reserve tables at the most in-demand restaurants globally, with complimentary perks
• Source personalised gifts and deliver them with signature concierge style
• Curate exceptional travel experiences, from staycations to far-flung retreats
• Enjoy complimentary access to art fairs, lifestyle events, and concierge exclusive event series ‘The Book Club’

Get started through Membership Services

• Receive 25% cashback on tickets for theatre, dance, opera, concert performances and more throughout the UK and Ireland. Your cashback will be paid into your Premier Reward Black account within 30 days of your booking.
• Order up to six tickets through the booking service for each event, up to four bookings a year.

Register online through Membership Services

• You can buy up to 6 eCodes per booking, and book as many times as you want all year round.
• No restrictions, if your downtime is peak time, don't worry you can use the codes for any time, any day. 

How to use your cinema discount

Buy a reduced price eCode with us and use your eCode to buy a ticket at one of these cinema chains throughout the UK. Simply:

• Log in to buy your eCodes online and click on 'Cinema Discount'.
• Then choose a cinema chain and the number of codes you want (up to a maximum of six in one transaction).
• Follow the on-screen instructions to enter your card details and make a payment.
• Your eCodes will be displayed online immediately, and also sent by email. 
• Use your eCodes to buy a ticket at the cinema of your choice. You can book your tickets online or at the cinema's box office.

Prices depend on cinema chains and locations across the UK.

Full details on cinema discount 

MyRewards allows you to earn related Rewards in a variety of ways such as when you pay Direct Debits, spend with your debit or credit card or log in to the mobile app.

You can watch your Rewards grow and when you have more than £5 in Rewards you can choose to redeem to your current or savings accounts, pay off your credit card balance, exchange for an eGift card, points with our partners or donate to one of our charities. 

Accessing MyRewards is easy. 

1. Log in through your Royal Bank mobile app and see your latest offers and more 
2. Alternatively, you can access MyRewards through your Digital Banking.

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Our travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance. Our home emergency cover is underwritten by U K Insurance Limited. Our mobile phone insurance is underwritten by Aviva Insurance Limited. Our car breakdown cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

No, you do not need to tell us that you are travelling in order to be covered by our travel insurance however register your travel details with Royal Bank at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on spending abroad and how to minimise fees and charges.

You can download a copy of your policy using the link below.

If you would like a hard copy of the policy, call us on UK: 0345 266 8801 | Relay UK: 18001 0345 266 8801. Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm

You can access full information on your Premier Reward Black benefits through Membership Services.

The travel service is now closed.

If you have a future booking, we sent a letter in August 2024 explaining that the administration has now been transferred to your holiday provider.

You will have received new booking documentation via email which included full details of your booking, including any outstanding balances and balance due dates.

If you have any queries related to your booking, including amendment requests and balance payments please contact your holiday provider using the contact details provided within the email.

To make a travel insurance claim please log in and complete the form online.

You can also visit the Allianz Assistance Hub (accessed through your Royal Bank app or Digital Banking). There you can check your policy details, purchase policy upgrades, submit a claim, or add and manage travellers.

Or you can call Membership Services:

UK: 0345 266 8801 | Relay UK: 18001 0345 266 8801 | Overseas: +44 208 666 9277 | 24/7, 365 days a year.

Full details on travel insurance

We know it can be stressful when something happens to your phone, so we want to make the process as easy as possible. Simply:

• Log in to register a claim online, or call us to speak to an agent. We’ll run through a few details and ask you some questions.
• Contact us to report the incident. Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
• Let your network provider know about the situation and report the incident to the police if relevant. They’ll give you a crime reference number if your phone has been stolen.
• Arrange for collection of your device if it needs to be repaired. Remember, you have to be in the UK for us to collect your phone.

Alternatively you can call us on:

UK: 0345 266 8801 | Relay UK 18001 0345 266 8801 | Overseas: +44 2392 668 814

Monday to Friday, 8am-8pm | Saturday, 9am-6pm | Sunday, 10am-5pm | Bank Holidays will be opened during the same hours noted, excluding Christmas Day and New Year’s Day.

Full details on mobile phone insurance

If you’ve broken down and need help, you can register and track this on the AA app or call us on:

UK: 0345 266 8801 | Relay UK 18001 0345 266 8801 | Overseas: +44 2392 668 814 | 24hrs a day, 365 days a year.

After completing an exchange, your eGift Card(s) will be uploaded to your eGift Card wallet in the MyRewards app and emailed to the email address linked to your MyRewards account, if you can't see it check it hasn't gone to your junk folder. 

You can find all exchanged eGift Cards since 27 August 2024 in your eGift Card wallet. For exchanges made prior to 27 August 2024 or exchanges for Avios or Emirates, please check your email inbox. 

If your eGift Card is not available in your eGift Card wallet and you have not received the confirmation email, or you have not had the point/miles added to your BAEC or Emirates Skywards accounts please complete the 'Report a Missing Exchange' form within when logged into your MyRewards account. We'll investigate on your behalf and let you know the outcome within 5 working days.