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Existing customers

Take advantage of your Reward Platinum benefits

You get a range of benefits from car breakdown to travel insurance and much more 

A £22 monthly fee applies to this account. 

Your benefits at a glance

Reward Platinum costs £264 a year, so £22 a month.

Your benefits in detail

Worldwide family travel insurance

From city breaks to sunny holidays, your travel plans matter. Whatever your destination, we've got your back. Underwritten by AWP P&C SA and administered by Allianz Assistance, the closest equivalent cover costs an average £220 for family cover.

 

Prices include Insurance Premium Tax. Market comparison conducted 12th February 2025. Family price based on Worldwide cover for two adults aged 40 years old and two children aged 13 years old with no pre-existing medical conditions.

No foreign transaction fee when spending abroad

Use your debit card for purchases anywhere in the world without the worry of incurring extra charges.

Car breakdown cover

If your vehicle can't be repaired on the roadside, the AA could help keep you moving. Similar cover costs an average of £162 a year.

 

This is the starting price for cover for an individual person for UK roadside assistance, national recovery, onward travel and assistance at home. Individual circumstances and prices will vary.

Mobile phone insurance

Cover against loss, theft or damage to your mobile phone. Policy underwritten by Aviva Insurance Limited. Similar cover for an iPhone 14 Pro Max or a Samsung S23 Ultra with Vodafone Insurance costs £165 a year (per account holder).

 

No two mobile insurance policies are identical. We checked the Vodafone Insurance website on 18th February 2025. 

Cinema discount

Enjoy savings on cinema tickets at over 250 cinemas nationwide.

 

Three peak bookings (Friday to Sunday) three times a year at an ODEON cinema for two adults and one child, including booking fees, could save up to £45 a year.

 

Saving is based on visiting a standard Dunfermline ODEON cinema and redeeming eCodes on the cinema’s website.

tastecard

If you love eating out or relaxing with a hot drink, you’ll love this offer: get 25% off the total bill, 2 for 1 meals or 50% off food as well as the newest addition, 25% off barista-made drinks, available at thousands of restaurants and coffee shops across the UK.

 

The same benefit would cost £7.99 a month if bought direct, nearly £96 a year. Value calculated February 2025.

Your everyday habits can earn Rewards

Earn Rewards for paying direct debits, spending with your debit or credit card, or logging in to the mobile app regularly.

Earn Rewards for your everyday banking

Royal Bank Rewards are a great way to earn as you manage your money. Earn up to £60 per year in Rewards from your everyday banking, plus even more when you spend using your Royal Bank debit card with our partners.

For holding two Direct Debits on your account

£4

in Rewards per month.

Each Direct Debit must be at least £2.

For logging into your Royal Bank mobile app

£1

in Rewards per month.

You must log in to your app at least once a month.

Earn when you spend at our partners

1%+

in Rewards you spend with your Royal Bank debit card.

Change your bank account

It's quick and easy to change your current account through your Royal Bank mobile app or Digital Banking, we'll even pre-fill the application for you.

We have a range of accounts to choose from. The Select account could be ideal if you want to keep things simple, or check out our Reward bank accounts if you're interested in receiving extra benefits and rewards. 

Specific account eligibility criteria and monthly fee may apply.

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?

Frequently asked questions