Premier Banking

Compare our bank accounts

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:

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.

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

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:

  • £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.

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.

All of this and more for £31 a month.

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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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

Change accounts

Already a Royal Bank customer and in need of a change? Find out what you'll need to change your account online.

Joint accounts

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

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?

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.

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.
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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.

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.


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 £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

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