Unlock your Premier bank account potential

To join our Premier Banking service, you'll need to be aged 18+ and a permanent UK resident.

And have at least one of the following:

£100k sole income or £120k joint income paid into your Royal Bank bank account;

£100k or more savings or investments held with us; OR

£500k minimum mortgage borrowings with us.

You can compare our range of Premier accounts today and see which one suits your needs.

Premier Banking could help you manage your money and make it do more for you. With your own Premier Banking Manager and 24/7 support we’re here to provide financial help when you need us. For you and your family.

Royal Bank Premier is a free service to customers who have met the financial criteria and have become a Premier Banking customer. However, fees do apply to certain products and services.

Premier Select is our Premier account with no monthly fee. If you're a Premier Reward customer, for a £2 monthly fee, you'll earn Rewards when you use your card and set up direct debits. 

Our Premier Reward Black and Black Accounts come with a monthly fee. Plus extra perks and benefits for those who want a little more from their bank account, including travel insurance, mobile phone insurance, car breakdown cover, home emergency cover and a concierge service.

Premier bank accounts may be a great option for some people, particularly if you save money elsewhere by using your rewards and benefits. But if the perks and features don’t suit you, the monthly fee might mean they’re not the best choice.

It's handy to regularly review your benefits to make sure you are maximising your cost savings.

• Do you need insurance? Our Premier Reward Black and Black Account  come with mobile phone insurance, travel insurance and car breakdown cover. So if you’re a bit of a globetrotter, or are glued to your smartphone, then you might find that the monthly fee is worth it.
• Are you getting the cover you need? For example, our travel insurance can cover you and your eligible family members for trips up to 90 days. If you regularly travel for longer periods than this, then you might not get the most from your package.
• What about perks and rewards? Some of our Premier accounts come with extra perks, such as fee-free foreign card purchases. You can also earn Rewards for shopping at certain retailers. 

All the details for your account will be included in your policy documents. Please take the time to read the details.

If you're a Premier Reward Black or Black Account customer, to access your account’s insurance and lifestyle benefits, full terms and conditions, and any exclusions or excesses that apply, just visit Membership Services.

Membership Services is the online portal where you can:

• Read about each of your benefits
• Use your benefits online
• Make a claim for travel or mobile phone insurance
• View your benefit usage history

You can also access your travel and entertainment benefits using the exclusive Premier Black app. 

App available to customers registered with Membership Services. Available on iOS 11 and Android 6.0 (and above).

You can find out more about your travel insurance by visiting our dedicated page.

The fastest way to make your claim is through our online claims portal. Remember to:

• Contact us as soon as possible to report the incident.
• Let your network provider know, and report the incident to the police if relevant. They’ll give you a crime reference number if your phone has been stolen.

As soon as we have got all of the information we need, we can arrange a speedy repair or replacement.

Log in to Membership Services (opens in a new window) to register a claim online, or call us to speak to an agent.

Black: 0345 266 8801 (Relay UK 18001 0345 266 8801)
Overseas: +44 (0) 2392 668 814

To find out more about your mobile phone insurance visit our dedicated page.