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Premier
Premier Banking - Existing customers
Get the most from your Premier bank account
Not sure which account you have? If you can’t remember which account you have, don't worry, you can view all our accounts.
To be eligible for a Premier account, you must be aged 18 or over and a UK resident with a sole income of at least £100k or a joint income of £120k paid into a Royal Bank account, or have minimum outstanding mortgage borrowings with us of £500k, or savings or investments of at least £100k held with us.
My Premier Select account
- Expert help 24/7 online or over the phone.
- Manage your account using the Royal Bank app. Criteria applies.
- A Premier Banking Manager on hand for more complex financial decisions or plans.
- Contactless Debit Card
- No Non-Sterling Transaction Fee on debit card purchases abroad
- No monthly fee.
Your Premier Select account documents
Please take some time to review, print and/or save a copy of these.
My Premier Reward account
- £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 Rewards at eligible partners when you use your Royal Bank debit card.
- You'll need to pay at least £1250 into your Royal Bank account every month.
- £2 monthly fee
New to Rewards?
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Start using MyRewards
Learn how to set up your MyRewards account.
Start using MyRewards
1. You'll start earning Rewards the next business day after opening your Reward account and you can view your balance in Digital or Mobile Banking
2. See you personalised offers and where you can earn at MyReward partners. You can only see these offers once you log in to MyRewards.
3. To exchange your Rewards for more, exchange rewards with our partners or donating your Rewards.
Last year our customers earned on average 6% back in Rewards when using their Royal Bank Debit card at our partners. Based on Rewards earned vs. amount spent in 2023.
How do I earn Rewards?
Earn £9 in Rewards for 2 Direct Debits and £1 in Rewards when you log in to our Mobile Banking app.
How to earn Rewards
Earn £9 a month back in Rewards for 2 Direct Debits - they need to be at least £4.50 each. Plus, £1 a month back in Rewards when you log in to our Mobile Banking app.
Last year our customers earned an average of 6% back in Rewards when using their Royal Bank Debit card at our partners. Based on Rewards earned vs. amount spent in 2023.
You'll need to pay at least £1,250 into your Royal Bank account every month.
Exchange your Rewards
You can bank them, exchange them or donate them to one of our chosen charities.
How to exchange your Rewards
As soon as your available Rewards balance is the equivalent of £5 or more, you can log in to MyRewards to exchange them. To login you will need to register, using your debit card. You can then choose from the following:
Bank it
Convert your Rewards into money by simply transferring it into your Royal Bank account. It takes 5 days to clear into your chosen account.
Exchange
Exchange your Rewards for gift cards or codes at our selected partners.
Donate
Convert your Rewards into money and donate it to one of our chosen charities.
Earn more Rewards
Find out how you could boost your Reward earnings.
Like Rewards and want to earn more?
With our Reward Black credit card, Representative 37.1% APR (variable), you could earn more Rewards whenever you pay using the card. Plus, you won't pay foreign transaction fees if you use the card abroad.
What Rewards will you earn?
- 1% on your supermarket shop (0.5% at their petrol stations)
- Between 1-15% when you shop at selected MyRewards partners
- 0.5% everywhere else you like to shop
Annual fee applies, but we'll refund it if you already hold a Premier Reward Black current account.
To apply, you must be 18+, earning at least £15k per year and a mainland UK resident.
Accessing MyRewards is easy
- On your mobile or tablet, open the camera and point your device at the QR code.
- A link will pop up, tap this, and you’ll be taken straight to MyRewards in your Royal Bank mobile banking app.
Not able to scan the QR code?
You can still get into MyRewards by:
- Using this MyRewards link to get into your app.
- Or you log in using Digital Banking and use the MyReward section to access MyRewards.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Accessing MyRewards is easy
You’ll be taken straight to MyRewards in your Royal Bank mobile banking app.
Don't have the app?
Access MyRewards by logging in to Digital Banking and click the MyReward section.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Accessing MyRewards is easy
You’ll be taken straight to MyRewards in your Royal Bank mobile banking app.
Don't have the app?
Access MyRewards by logging in to Digital Banking and click the MyReward section.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Your Premier Reward account documents
Please take some time to review, print and/or save a copy of these.
Royal Bank Premier Black app
Access your travel and entertainment benefits in the palm of your hand. App available to Black account customers registered with Membership Services. Available on selected devices.
Get the Premier Black app
What you'll need to use our Black account app:
- Your Black account number and sort code; and
- Your personal details – full name and date of birth
If you’ve just opened your account, we recommend waiting at least 24 hours before signing up.
Using your debit card abroad
You'll have no Non-Sterling Transaction Fees to pay when you use your Reward Black debit card abroad.
Travel and Lifestyle benefits
Travel benefits
Travel benefits
Worldwide travel insurance
Airport lounge access
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Insurance cover
Insurance cover
Mobile phone insurance
UK & European car breakdown cover
Home emergency service
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Lifestyle benefits
Lifestyle benefits
24/7 Black concierge service
Black ticket service
Cinema discount
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Have an existing Travel Service booking?
The Travel Service was withdrawn on 1 March 2024. The Travel Service team are still available to support existing bookings, and you can continue to manage your booking, including making a payment, online.
Visit Membership Services or call us on 0345 266 8801 (Relay UK 18001 0345 266 8801).
Lines are open from 9am - 6pm Monday to Friday; 9am - 1pm Saturdays; closed Sundays and public holidays (including Christmas Day). Please be advised calls are recorded for training and quality assurance purposes.
New to Rewards?
Reward detail OpenClose
Start using MyRewards
Learn how to set up your MyRewards account.
Start using MyRewards
- You'll start earning Rewards the next business day after opening your Reward account and you can view your balance in Digital or Mobile Banking.
- See your personalised offers and where you can earn at MyReward partners. You can only see these offers once you log in to MyRewards.
- To exchange your Rewards for money, exchange rewards with our partners or donating your Rewards.
Last year our customers earned an average of 6% back in Rewards when using their Royal Bank Debit card at our partners. Based on Rewards earned vs. amount spent in 2023.
How do I earn Rewards?
Earn £9 in Rewards for 2 Direct Debits and £1 in Rewards when you log in to our Mobile Banking app.
How to earn Rewards
Earn £9 a month back in Rewards for 2 Direct Debits - they need to be at least £4.50 each. Plus, £1 a month back in Rewards when you log in to our Mobile Banking app.
Last year our customers earned an average of 6% back in Rewards when using their Royal Bank Debit card at our partners. Based on Rewards earned vs. amount spent in 2023.
You'll need to pay at least £1250 into your Royal Bank account every month.
Exchange your Rewards
You can bank them, exchange them or donate them to one of our chosen charities.
How to exchange your Rewards
As soon as your available Rewards balance is the equivalent of £5 or more, you can login to MyRewards to exchange them. To login you will need to register, using your debit card. You can then choose from the following:
Bank it
Convert your Rewards into money by simply transferring it into your Royal Bank account. It takes 5 days to clear into your chosen account.
Exchange
Exchange your Rewards for gift cards or codes at our selected partners.
Donate
Convert your Rewards into money and donate it to one of our chosen charities.
Earn more Rewards
Find out how you could boost your Reward earnings.
Like Rewards and want to earn more?
With our Reward Black credit card, Representative 37.1% APR (variable), you could earn more Rewards whenever you pay using the card. Plus, you won't pay foreign transaction fees if you use the card abroad.
What Rewards will you earn?
- 1% on your supermarket shop (0.5% at their petrol stations)
- Between 1-15% when you shop at selected MyRewards partners
- 0.5% everywhere else you like to shop
Annual fee applies, but we'll refund it if you already hold a Premier Reward Black current account.
To apply, you must be 18+, earning at least £15k per year and a mainland UK resident.
Accessing MyRewards is easy
- On your mobile or tablet, open the camera and point your device at the QR code.
- A link will pop up, tap this, and you’ll be taken straight to MyRewards in your Royal Bank mobile banking app.
Not able to scan the QR code?
You can still get into MyRewards by:
- Using this MyRewards link to get into your app.
- Or you log in using Digital Banking and use the MyReward section to access MyRewards.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Accessing MyRewards is easy
You’ll be taken straight to MyRewards in your Royal Bank mobile banking app.
Don't have the app?
Access MyRewards by logging in to Digital Banking and click the MyReward section.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Accessing MyRewards is easy
You’ll be taken straight to MyRewards in your Royal Bank mobile banking app.
Don't have the app?
Access MyRewards by logging in to Digital Banking and click the MyReward section.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Your Premier Reward Black account documents
Please take some time to review, print and/or save a copy of these.
Set up your bank account
Set up your new card
New to Royal Bank of Scotland?
If you're new to Royal Bank, we'll post your Contactless Debit Card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how to start using it.
Already a Royal Bank of Scotland customer?
If you're already a Royal Bank customer and have recently changed your account, there's no need to set up your card. You get to keep your existing card and PIN.
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Let's get started...
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Using your bank account
Payments and transfers on the go
You can quickly and securely manage your everyday transactions at the tap of a button with our Royal Bank app.
Find out more about the different ways to pay and receive money
Set up a Direct Debit
Setting up a Direct Debit is an easy way to manage your regular bill payments.
You can view or cancel a Direct Debit online and via the Royal Bank app.
Mobile payments
Using Apple Pay
You can start using Apple Pay as soon as you have added your first debit card to your Wallet on your iPhone, iPad or Apple Watch.
Use Google Pay
Google Pay is the fast, simple way to pay with your Royal Bank debit or credit card in stores and online using your Android device. You will still continue to receive all the benefits and protections you enjoy with Royal Bank of Scotland.
Keep your bank account safe
Protect yourself from scams. The best way to avoid being a victim of one, is to be aware of the common practices and techniques that are used.
Add some extra flexibility on your current account
An arranged overdraft is a short-term way to borrow and can be a really useful way to pay for unexpected bills.
Check bank account charges
Stay in control of your finances when reviewing your statements and transactions.
Taking your debit card on holiday
If you are travelling abroad, register your travel plans with us as this will notify our transaction monitoring systems that you will be using your debit card abroad. This will significantly reduce the likelihood of your card transactions being blocked abroad.
More about using your card abroad
If you have the Royal Bank app, it’s easy to let us know you are going to use your debit card abroad. Just log in, tap the ‘Help’ section at the bottom and then ‘Going Abroad’.
Our accessible debit card
Our accessible card is available on all Royal Bank current accounts.
How it can help if you are blind or partially sighted:
A notch has been carved out of the side, to help you identify which way to insert your card into a cash machine or card reader.
The card has a series of raised dots, so you'll know whether it is your debit, credit or savings card.
On the back of the card, telephone numbers have been increased in size by 50%.
Our cards are issued with flat print numbers. If you require braille, large print or audio fulfilment, please fill in the form below.
Add, change or remove signatories
If you want to:
- Add somebody to your account
- Remove somebody from your account
- Add a Power of Attorney, Court of Protection Deputy or Scottish Financial Guardian
Find out more information on what this means and learn how to request adding, changing or removing signatories online.
Change your current account
If you'd prefer one of our other accounts, you can change your current account online. It's quick and easy to change.
1. View our Premier current account range. Specific account eligibility applies. Monthly fees may apply.
2. After choosing your preferred account option, follow the steps to apply for that account.
When changing your existing account to another, you’ll:
- Keep your existing sort code, account number and debit card. Your existing standing orders and direct debits will stay the same.
- Retain your arranged overdraft limits.
- See no impact to your credit rating.
Information Message
You need to be a current account holder, 18+ and a UK resident. If you're a non-UK resident, we can only change your current account to our Premier Select account.
In an emergency
My card has been stolen
Find out what you need to do if you think your card or card details have been stolen.
How to report your card stolen
If you think your debit card - or any of your card details, such as the PIN - may have been stolen, you should report it to us to avoid the possibility of fraud.
Please check the transactions on your account, and call us as soon as possible on:
UK: 0370 600 0459
Overseas: +44 1268 500 813
Relay UK: 18001 0370 600 0459
Once you’ve reported your debit card as stolen, we will send out your new card which will be with you in five working days.
Lost or damaged cards
Find out the steps you can take if your card has been lost or damaged.
How to report your card lost or damaged
If your card is damaged or lost, you can order a replacement online in less than 2 minutes – that's less than half the time it takes if you were to phone us (5min 10s).
Log in and go to the 'Cards' option in the left-hand menu
then choose 'Manage your debit card' or 'Manage your credit card'
Choose 'Report your card lost and order a replacement' or 'Order a replacement for a damaged card'
Get emergency cash
If your debit card is lost or stolen, you can still access your money from our ATMs using our Emergency Cash service.
How to get emergency cash
Simply call us and we'll send you a code that'll let you withdraw your cash.
The Emergency Cash service can only be provided to you at the time of card cancellation. The service allows you to withdraw money from your account using a security code instead of your card.
To use the Emergency Cash service:
- You need to be within the UK
- You must have at least £20 available in your account
- You can withdraw up to £300 from a Royal Bank of Scotland, NatWest or Tesco cash machine if you're a fully active digital or telephone banking customer and if you aren't, we'll still let you withdraw up to £60 to tide you over.
Remember you'll need to have money available in your account before you can withdraw it.
To report your debit card lost or stolen and use the Emergency Cash service, please call our Card loss centre straight away.
Card loss centre
UK: 0370 600 0459
Overseas: +44 1268 500 813
Relay UK: 18001 0370 600 0459
Open 24 hours a day. Calls may be recorded.