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Premier Bank Accounts

Open a Premier Select account

Current Account Switch Guarantee Logo

Premier eligibility criteria apply. To get this account you must be 18+ and a UK resident.

Switch & Save: Unlock our Limited Edition Saver account when you switch to Royal Bank Premier

Apply online or via our mobile app to switch your current account held elsewhere into an eligible Premier Select or Premier Reward account by 6 January 2026.
 

Use the Current Account Switch Service and you could unlock our 12 month Limited Edition Saver account which offers fixed bonus interest rates on balances over £50,000.

Offer available to new and existing customers who do not hold a Royal Bank current account or savings account as of 18 November 2025.

Limited Edition Saver interest rates

AER / Gross p.a. (variable)
 Interest paid monthly


4.00% / 3.93% 
Balances between £100k - £3m

(includes 2.25% / 2.23% AER / Gross p.a. (fixed) 12 month bonus).
 

3.25% / 3.20%
Balances between £50k - £99,999

(includes 1.50% / 1.49% AER / Gross p.a. (fixed) 12 month bonus).
 

1.06% / 1.05%
Balances up to £49,999

Information Message

1. Switch to us

Open a current account with us  

Simply open an eligible Premier Select or Premier Reward account and switch your bank account to us using the Current Account Switch Service.
 

Your switch to us must be completed by 21 January 2026.

Information Message

2. Switch complete

Wait to receive the offer email from us

Once your switch to us is complete, we'll send you an email with a link to open a Limited Edition Saver account. This will arrive between 02 December and 21 January 2026.

 You'll have until 23 January 2026 to apply for a Limited Edition Saver via our mobile app.

Information Message

3. You're all set

Fund your account
Once you've opened your Limited Edition Saver and funded your account, you'll immediately start benefiting from the interest rates. 

See our Limited Edition Saver for more information. 

Information Message

Information Message

Premier and specific account eligibility criteria and conditions apply. Monthly account fees may apply. Offer T&Cs and restrictions apply. Offer can be withdrawn or amended at anytime due to limited availability. If you previously held a Royal Bank current account or savings account, you may still qualify, provided you did not hold one as of 18 November 2025. You are not eligible for this offer if you're switching a current account from NatWest Group (NatWest or Ulster Bank NI). Joint accounts are not eligible for this offer.

More than just an everyday bank account

What you'll get with a Premier Select account

No monthly fee.

Expert help online or on phone, one-to-one support when you need it.

No Non-Sterling Transaction Fee when you make a purchase outside the UK or in a foreign currency. Other local fees may apply.

Everyday banking tasks made easier with our mobile banking app. Criteria applies. Contactless debit card.

Arranged overdraft with £500 interest-free buffer available after your Premier account is open (subject to status).

Information Message

Overdraft: Representative APR: 20.1% (variable). Other charges may apply. How does our overdraft compare? A good way to compare the costs of borrowing is by using the APR, which shows the cost of borrowing over a year.

Start my application Open in new window

I already have a Premier Select account

Find out how to set up and use your account.

To join Premier you'll need to be a permanent UK resident and meet one of these criteria:

Income

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

Mortgage borrowings

£500k minimum mortgage borrowing with us

Savings or investments

Minimum £100k savings or investments held with us

More features

Mobile banking app

Our Premier branded mobile banking app is secure and easy to use.

Expert help, 24/7

Available online or on the phone, when and where you need it.

Contactless debit card

Premier Select comes with a contactless debit card

No monthly fee

A bank account to get you started on your Premier journey.

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

How to apply for an arranged overdraft

Apply for an arranged overdraft after your account is open, using our mobile app or by logging in to Digital Banking.

How to open an account online

Have ID ready

We'll need some details from you, such as your address history, monthly income and ID.

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Start your application

You can apply online right now if you are ready. Just use the section below to tell us about yourself.

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How long will it take?

You should be able to complete the online application within an average lunch break.

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Get ready to apply

Please take your time to read the product information and make sure this Premier Select account is right for you.

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

 
  • are aged 18+ and a UK resident.


You must also meet one of these criteria:

  • Minimum £100k sole income or £120k joint income paid into your Royal Bank account.
  • £500k minimum mortgage borrowing with us.
  • Minimum £100k savings or investments held with us.

Now please take a look at the important legal stuff

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Digital Banking - not posted. Please take some time to review, print and/or save the important information.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

 

All okay? Apply for a bank account online today.

To speed up your application for our Premier Select account, we need to do a few final checks with you. They'll only take a minute.

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What would you like to do today?
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You're all set

We’ve made some changes on opening a Premier Select account.

As a summary:

The ‘Start your application’ button directs you to a ‘Select account’ page where your Digital Banking details are required and you must also meet one of these criteria:

  • Minimum £100k sole income or £120k joint income paid into your Royal Bank current account.
  • £500k minimum mortgage borrowing with us.
  • Minimum £100k savings or investments held with us.
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Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

In summary:

  1. You create a joint account by adding the second applicant to an existing account.
  2. You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open. 
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Joint accounts opening

To get started..

  • Go back to the home screen within Digital Banking. 
  • Select 'Account Details' on the account you wish to change. 
  • Review the section 'Want to change to a different type of current account?' 
  • Once you know which account to change to, select this to start your application. 
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Digital Banking

To get started on your switch..

  • Go back to the home screen within Digital Banking. 
  • Select 'Account Details' on the account you wish to switch too. 
  • Select the 'Switch to us' form to get started. 
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Digital Banking