On this page...
Premier Banking at a glance
Premier Banking is a free service. You'll enjoy a whole host of benefits:
Premier bank accounts - fee-free or get extra benefits with one of our Reward accounts for a monthly fee.
A Premier Banking Manager to help with your financial plans or guide you through more complex financial decisions.
Access to products and specialist services designed to help meet your needs.
Round the clock help, online or over the phone.
How do you qualify for Premier Banking?
You'll need to be a permanent UK resident and meet one of the following:
1. Your income
2. Your mortgage borrowings
3. Your savings or Investments
Compare Premier accounts
Join Premier by opening a Premier account. With a Premier Reward you could also earn up to £9 a month for 2 Direct Debits - they need to be at least £4.50 each. Plus, earn an extra £1 a month back in Rewards with 1 mobile app login.
To apply for any of our Premier accounts, you must be aged 18 or over and a UK resident.
Get all the benefits of our Premier Banking service, plus:
Mobile Banking app that's simple to use. Criteria applies.
Pay your way; Apple Pay, Google Pay™ and contactless debit card. Limits apply.
No monthly fee.
For £2 monthly fee, you'll get:
£9 a month back in Rewards for 2 Direct Debits - they need to be at least £4.50 each.
£1 a month back in Rewards when you log in to our mobile banking app.
Earn at least 1% at partner retailers when you use your Royal Bank debit card.
You'll need to pay at least £1,250 into your Royal Bank account every month.
Premier Reward Black
For a £31 monthly fee, you'll get:
All the benefits of our Reward account.
Worldwide travel insurance and airport lounge access.
Cinema discount valid at over 250 UK cinemas.
24/7 Black Concierge Service.
UK & European car breakdown cover.
Home Emergency Service.
Plus much more.
I'm already a Royal Bank customer
Change my existing account
Talk to us about Premier
Premier products and services
Whether you're reviewing your borrowing needs, planning that dream holiday or getting ready for retirement. Your Premier Banking Manager is equipped to help you achieve your financial goals.
One easy to manage portfolio. If you need help, you'll have specialists to help you get the cover you need and claims support, day or night. Cover underwritten by U K Insurance Limited.
Protect your wealth
Help ensure your money and assets are shared according to your wishes. Our Will-writing & Executor Service will help you to do so in the most efficient way, giving you peace of mind. A fee will apply.
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.
Find an answer in our FAQs
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.