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Premier Reward Black Account

A rewarding experience

Benefits for when you're at home or away

Enjoy worldwide family travel insurance.

Access to over 1,100 international airport lounges with Dragon Pass Premier+.

24/7 Concierge Service.

UK and European car breakdown cover.

£9 a month back in Rewards on two Direct Debits - they need to be at least £4.50 each.

£1 a month back in Rewards when you log in to our mobile app.

Arranged overdraft with £500 interest-free buffer available (subject to status).

£36 monthly fee.

 

I already have a Reward Black account

Learn more about our Royal Bank Premier Black app or find out how to set up and use your account benefits.

Account benefits

Rewards

Earn Rewards

Earn £9 a month back in Rewards for two or more Direct Debits - two of those Direct Debits needs to be at least £4.50 each. Plus, earn an extra £1 a month back in Rewards with one mobile app log in. That's up to £10 a month back in Rewards to spend on whatever you like!

Exchange Rewards

Once you reach £5 in Rewards, the choice is yours. Bank it into your NatWest current or savings account, exchange for gift cards and e-codes with our partners, or donate to one of our chosen charities. 

Worldwide Airport Lounge Access

DragonPass Premier+ gives you unlimited access to over 1,100 lounges worldwide, you can enjoy discounts at airport restaurants, cafés and spas.

Worldwide Travel Insurance

Our worldwide travel insurance covers you and your eligible family for trips up to 90 days, including 31 days for winter sports. The policy also has £10 million medical expenses cover. Travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Using your debit card abroad

No Non-Sterling Transaction Fee when you're using your Reward Black debit card abroad.

Insurance

Mobile Phone Insurance

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s or any other relevant warranty has expired). Underwritten by Aviva Insurance Limited.

UK & European car breakdown cover

The AA provide our UK & European breakdown cover which includes getting you to a destination of your choice if they can't get your vehicle going again. Provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

Home Emergency Service

24/7 home emergency cover up to £750 including VAT (underwritten by U K Insurance Limited). We only use approved repairers – finding someone you can count on.

Lifestyle

24/7 Black Concierge Service

Our 24/7 Black Concierge Service can help you with things like getting your hands on hard-to-get tickets or booking a table at a top restaurant anywhere in the world.

Black Ticket Service

Your Black account gives you access to live entertainment at reduced prices. Receive 25% cash back on up to six tickets per event, at up to four events per year. Choose from theatre shows, musicals, operas and sporting events throughout the UK and Ireland.

Cinema discount

Take advantage of up to 40% off the price of cinema tickets.

Other features...

Mobile Banking App

Make the most of your Premier Reward Black account with the Royal Bank Premier Black app.

Use your account benefits

Make the most of your Premier Reward Black account with the Royal Bank Premier Black app.

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?

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.

Now please take a look at the important legal stuff

Change your account today

Before we begin your application for a Reward Black account, we need to do a few final checks with you. First things first. You can apply if you:

  • are aged 18 or over and a UK resident
  • already have a Royal Bank current account

You need to also meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your Royal Bank account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. 

Do you have a current account with Royal Bank?
Do you have our app on a mobile device?
You can apply using either the mobile app or Digital Banking. The mobile app is easier and quicker as we can prefill some of your information.

Here's a few steps to get started

If you're already using a device with the Royal Bank app, select the 'Start application' button below. 

You will need the most up to date version of the app, to make changes to your account. 

To open a new account: 

  1. Once logged in to the app, choose 'Apply' and then current accounts. 
  2. Then choose what type of account you would like to open.

To change your account type or switch into your existing account: 

  1. Once logged in, click into the account you wish to change or switch.
  2. Choose either the 'Change my account type' or 'Switch my account' option. 

Can't scan the QR code?

 

Do you have RBS Digital Banking?

Log in to Digital Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Digital Banking pin and password.
  3. Once you're logged in follow the below.

To open a new account:

  1. Select 'Current accounts' from 'Our Products'. 
  2. Choose the account you want to apply for and complete your application.

To change to a different account type or to switch into your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin your application. 

Let’s get you signed up for Digital Banking

You’ll need to sign up for Digital Banking with us in order to apply for a Reward Black account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank Debit Card, if you have one.

Once you’ve registered, select ‘Next’ to log in and apply for a Reward Black account. 

Log in to Royal Bank Digital Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Digital Banking pin and password.
  3. Once you're logged in follow the below.

To open a new account:

  1. Select 'Current accounts' from 'Our Products'. 
  2. Choose the account you want to apply for and complete your application.

To change to a different account type or to switch into your existing account: 

  1. Choose the account you wish to change or switch, click 'Account details'. Then choose either the 'Switch to us form' or review the section 'Want to change to a different type of current account?' to begin your application. 

Forgotten your Digital Banking Details?

If you've forgotten your log in details, don't worry, select 'Reset my Digital Banking' for further instructions. 

How to download and apply via the app

First, download the app:

  1. On your mobile or tablet, open the camera and point your device at the QR code.
  2. Follow the link that pops up to download the app.
  3. Use your details to log in and follow the below. 

To open a new account:

  1. Once logged in to the app, choose 'Apply' and then current accounts. 
  2. Then choose what type of account you would like to open.

To change to a different account type or to switch into your existing account: 

  1. Click into the account you wish to change or switch, then select 'Change my account type' or 'Switch my account' to begin your application. 

Can't scan the QR code?

Available on selected devices.

Compare our current accounts

We're sorry but you must have an existing Royal Bank current account to upgrade to a Reward Black.

Our Select and Reward accounts are available to new customers. If you still like the look of our Reward Black account you can come back and change your account later.