Switch to a Premier Select or Premier Reward account and you could get up to £1,000.
That’s £250 for switching to a Premier account, plus £750 in interest if you deposit £100k into a new Flexible Saver account.
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Premier
Premier Banking
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Premier and specific account eligibility criteria apply. Switch offer T&Cs and restrictions apply. Limited availability.
Get up to £1,000 when you switch to Royal Bank Premier
Switch to a Premier Select or Premier Reward account and you could get £250, plus if you open a Flexible Saver account and deposit £100,000 you could get £750 as interest.
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Offer available to new and existing customers who haven't previously received a switch offer and did not hold a Royal Bank current account or savings account as of 10 March 2026. Limited availability. Offer may be changed, replaced, or withdrawn at any time.
How to get £250
1. Open a current account and switch to us
Apply for an eligible Premier account and request to switch an account with another bank to us using the Current Account Switch Service.
2. Within 60 days of switching
Deposit £5,000 - This can be made of multiple payments and must remain in the account for 24 hours.
Log in to our mobile app - You can log into the app on any device.
3. You're all set
When you've met these conditions, we'll pay £250 into your eligible account within 30 days provided the account remains open.
How to unlock £750
To be eligible for the £750 offer, within 60 days of your switch completing, you must:
1. Open a new Flexible Saver account
You can open the account prior to your switch completing and still be eligible for the £750 provided you meet all the requirements.
You do not need to wait for your £250 payment to open your Flexible Saver account.
2. Deposit £100k into your Flexible Saver
This can be made of multiple payments and must remain in the account for 30 consecutive days.
3. All done
When you've met these conditions, we'll pay £750 into your Flexible Saver account within 30 days.
Premier Select
Eligible for our Premier Switch offer. T&Cs apply.
A bank account you can rely on for your day-to-day banking
Get all the benefits of our Premier Banking service, plus:
Mobile banking app that's simple to use. Criteria applies.
No Non-Sterling Transaction Fee when you make a payment outside the UK or in a foreign currency.
Pay your way; Apple Pay, Google Pay ™ and Contactless Debit Card. Limits apply.
Arranged overdraft with £500 interest-free buffer available (subject to status).
No monthly fee.
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To apply, you must be 18+ and a UK resident. Overdraft Representative APR: 20.1% (Variable). Other charges may apply. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.
Premier Reward accounts
Bank accounts packed with benefits combined with our exclusive, free service to help you achieve your financial goals.
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To apply, you must be aged 18 or over and a UK resident.
Premier Reward account
Premier Reward
Eligible for our Premier Switch offer. T&Cs apply.
For £2 a month you 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.
- Convert Rewards into money by transferring it into your Royal Bank account.
You'll need to pay at least £1,250 into your Royal Bank account every month.
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Premier Reward Black account
Premier Reward Black
- Worldwide travel insurance and airport lounge access.
- 24/7 Black Concierge Service and cinema discount valid at over 250 UK cinemas.
- UK & European car breakdown cover.
- Home Emergency Service.
- £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.
- Arranged overdraft with £500 interest-free buffer available (subject to status).
All of this and more for £36 a month. To upgrade to Premier Reward Black you need to already have a current account with us.
Overdraft: Representative APR: 20.1% (Variable). Other charges may apply. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.
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To open a Premier account you'll need to be 18+, a permanent UK resident and meet one of these criteria:
Why choose Premier?
I'm already a Royal Bank customer
If you're an existing Royal Bank customer you can talk to us about joining or changing your existing account.
Change my existing account
In need of a change? Take a look at our Premier accounts and see if one suits you. Follow the steps to 'change your account' from your preferred account page.
Joint accounts
Looking to set up a joint account? Having a joint bank account is the same as having your own, except two people have control over the account, including any arranged overdraft (subject to approval). To set up a joint bank account, you’ll need to add the other person to your new or existing current account.
Talk to us about Premier
Already a Royal Bank customer? Speak to one of our team about joining Premier. We'll confirm a few details and arrange a time that suits to speak to one of our Premier Banking Managers who'll help get you started with Premier.
Manage your account
Set up your account or want to squeeze every last bit of goodness out of your account? We’ve got some useful tips.
MyRewards
Learn more about Rewards or find out how to set up your MyRewards account. Find out everything you need to know.
Membership Services
Get the most from your packaged account benefits. Sign-up or log in to Membership Services and get started today.
Make the most of your holiday
Our tips and tools can help you get prepared, with everything from using your cards abroad to how to order foreign currency.
Financial Services Compensation Scheme
Your eligible deposits with Royal Bank of Scotland are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.
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