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Premier Banking

Compare our bank accounts
£150 Switch & Stay offer now live

On this page:
Everyday Premier account
Premier Reward accounts
Premier eligibility criteria
Existing customers

Premier Select

A bank account you can rely on for your day-to-day banking

Get all the benefits of our Premier Banking service, plus:

£150 Switch & Stay offer. Eligibility criteria applies.

Mobile banking app that's simple to use. Criteria applies.

Pay your way; Apple Pay, Google Pay and Contactless Visa Debit Card. Limits apply.

No monthly fee.

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

More on Premier Select

Premier Reward accounts

Bank accounts packed with benefits combined with our exclusive, free service to help you achieve your financial goals.

To apply, you must be aged 18 or over and a UK resident.

Premier Reward

For £2 a month get all the benefits of our Select account, plus:

£150 Switch & Stay offer. Eligibility criteria applies.

£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 £1250 into your Royal Bank account every month.

View Premier Reward

Premier Reward Black

£150 Switch & Stay offer. Existing customers only and eligibility criteria applies.

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.

All of this and more for £31 a month.

View Premier Reward Black

To open a Premier account you'll need to be 18+, a permanent UK resident and meet one of these criteria:

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Income

Minimum £100k sole income or £120k joint income paid into your Royal Bank of Scotland account
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Mortgage borrowings

£500k minimum mortgage borrowing with us
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Savings or Investments

Minimum £100k savings or investments held with us

Joint accounts

If you are looking to share your account with another, a joint bank account could make sense. Select, our everyday bank account, and all our Premier Reward accounts are available as joint accounts and eligible for our £150 Switch & Stay offer 

Learn more about joint accounts

Why choose Premier?

Premier Banking

One-to-one support

You’ll have a Premier Banking Manager to help make your financial life easier. From your first conversation, they'll get to know you, your current circumstances and any plans you might already have in place.

Help on hand 24/7

You'll also have our Premier Banking team available online or on the phone to support you when and where you need it.

Specialist teams

If you need help with something more complex, your Premier Banking Manager can connect you with specialist teams to get the help you need.

Our £150 Switch & Stay offer

Switch to us to get an initial £100 and a further £50 if you stay with us. Choose from our Premier Select and Premier Reward account, or if you’re an existing customer simply switch into your Premier Select, Premier Reward or Premier Reward Black account.

Switch offer Terms & Conditions (PDF 63.5KB)

Current Account Switch Guarantee (PDF 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How the Switch Service work & FAQ's

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.
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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.
See our Premier accounts
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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.
Talk to us

Get the most from your account

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.
Manage your existing account

MyRewards

Learn more about Rewards or find out how to set-up your MyRewards account. Find out everything you need to know.
More about Rewards

Membership Services

Get the most from your packaged account benefits. Sign-up or log in to Membership Services and get started today.
Log in to Membership Services

Free Receipt Management tool for Premier customers

Losing a receipt can be a pain, especially for valuable items. As a Premier customer you can use our Receipt Management tool to effortlessly store, track and capture your receipts using our Mobile Banking app. As a Premier customer it's completely free, yes free!

See how it works

Mobile App criteria applies. Receipt Management available on selected devices. This service is available to Premier & Business Banking customers only.

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.
Read our travel guide

Financial Services Compensation Scheme

Your eligible deposits with 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.

Read about the Financial Services Compensation Scheme (PDF, 3.8MB)