Get exclusive benefits with a Premier Reward Black account

Whether it’s a weekend away or a dream holiday, your journeys matter. Wherever you’re going, we’ll be there every step of the way. Underwritten by AWP P&C SA and administered by Allianz.

What's included?

• Worldwide travel insurance that covers you and your family for 90 days per trip (including 31 days for winter sports).
• Family cover includes you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married nor in a civil partnership.
• Emergency medical expenses, cancellations, baggage and more.

If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to purchase an age extension upgrade. There will then be a £100 annual premium per person aged 70 or over.

Pre-existing medical conditions aren't automatically covered. You can check online if this travel insurance covers new or existing medical conditions. An extra fee may apply or some conditions might not be covered.

Full details on travel insurance - these also outline what is not included.

Personal mobile insurance covers phones used by you, your partner and your children under 18 who live at home with you or under 23 if they’re in full-time education. Policy underwritten by Aviva Insurance Limited. 

You’re covered for theft, loss, accidental damage or breakdown (once your manufacturer’s warranty has expired). You can make 4 approved claims in any 12-month period. 

Cover applies to phones with an original purchase price of £2,500 or less (including VAT). Next day replacements for lost or stolen phones when claims are completed by 8pm.

If your phone is damaged or breaks down, get a same day repair at over 100 locations. Or, depending on where you are, a manufacturer-approved mobile repair technician will come to you at home, work or anywhere in between.

There is a £50 excess for repair claims and a £100 excess for replacement claims.

Full details on mobile phone insurance.

The AA provide our UK & European breakdown cover and includes getting you to a destination of your choice if they can't get your vehicle going again.

You’re covered as a driver or passenger in any privately registered vehicle you travel in throughout the UK. 

Anyone driving or travelling in your vehicle is covered too.

You’re also covered in Europe for trips that start and end in the UK.

Types of breakdown cover included with our bank accounts

• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Policy is provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

See our full list of what's included

• 24/7 virtual GP: unlimited access by video or phone (subject to fair use), including private prescriptions for you and your family (you'll need to pay for the medication).
• Mental health and wellbeing support: including a 24/7 helpline and up to six appointments yearly per person. Plus, fitness, nutrition and wellbeing content.  18+ only.
• Digital physiotherapy: up to six remote physio appointments per person per year. 18+ only.
• Health check: an annual review for you and your partner along with the option to discuss your results. 18+ only. (Customers with certain pre-existing medical conditions may not be eligible for this benefit. Eligibility is assessed through a questionnaire when you request a Health Check. See T&Cs for full details.)
• Expert medical opinion: get another medical opinion or discuss your results if you or your family have a complex diagnosis or treatment plan. One per person per year. 

Health benefits cover you, partner/spouse, and children aged 18 years and under (or 23 if in full time education), unless stated otherwise. Terms, conditions and exclusions apply.  Provided by Teladoc Health UK LTD, a limited company registered in England and Wales (company number 05739281).

With a Reward Black account you can earn:

• £9 in Rewards a month for paying 2 or more Direct Debits from your Reward account – 2 of those Direct Debits need to be at least £4.50 each.

At least 1% back by spending

Get rewarded when you spend with our partner retailers. We refresh our partner retailers regularly, and you’ll get personalised offers through MyRewards on our mobile app or in online banking.

Exchange Rewards

Once you reach £5 in Rewards, the choice is yours. You can log into MyRewards using our mobile app to exchange them, either bank it into your Royal Bank current or savings account, exchange for gift cards and e-codes with our partners, or donate to one of our chosen charities. 

Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear.

Available online 24/7 to help with tailor-made travel plans, experiences, and VIP tickets. Plus, access to exclusive perks and upgrades, priority restaurant bookings, and the virtual Book Club series.

An arranged overdraft allows you to borrow more money than you have in your account, up to an agreed limit. It is intended for short-term use only and will cost you money in interest to use it.

It is a form of debt and is repayable on demand. Always make sure you have enough money in your current account, or a suitable Arranged Overdraft limit in place before any payments are due to come out of your account.

Looking to understand the costs of an overdraft of more than £500 over different periods of time? Use our cost calculator.

If you don't pay it back, it could have an impact on your credit score.

How do overdrafts work?

There are two different types of overdraft:

An arranged overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for with this account. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.

An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.

How to apply

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

More about overdrafts

You can redeem one 5GB eSIM each month to use mobile data abroad. Once your eSIM has been activated it will be valid for 30 days within the country or region selected. Compatible device required.

Start your journey in comfort with access to more than 1,100 airport lounges worldwide, subject to availability. Fees for pre-booking and guests apply.

Plus, discounts on airport dining, spa treatments, and health and wellness services.

No foreign transaction fees on debit card purchases abroad. Local and ATM withdrawal fees may apply.