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Packaged bank accounts

Change your bank account to Reward Silver

Even more benefits with a Reward Silver bank account

  • Earn from 1% in Rewards when you spend with your Royal Bank debit card at our partners. 
  • Earn £4 a month in Rewards for 2 or more direct debits of at least £2.
  • Earn £1 a month in Rewards just by logging into our mobile app.
  • Insurance cover for European travel.
  • Mobile phone insurance.
  • Free from non-sterling transaction fees on purchases abroad.
  • Arranged overdraft available (subject to eligibility).
  • Choose your way to pay with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.
  • £10 monthly fee.

Our packaged accounts come with benefits to help you travel abroad

Travelling this summer? With Reward Silver you can get European travel insurance and no non-sterling transaction fees on debit card purchases when using your card abroad.

European travel insurance (with COVID cover)

You’re covered for 22 days per trip for UK and European travel (including winter sports). It includes emergency medical expenses, cancellations, baggage and more.

European travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

No foreign transaction fees for using your debit card for purchases abroad

Customers with a Reward Silver account don't pay any non-sterling transaction fees.

That means you can make purchases with your Reward Silver debit card anywhere outside the UK, in any currency, without worrying about being charged for using your card abroad. Other local fees may apply.

Information Message

Withdrawing cash when abroad

Cash is accepted everywhere, so it can be a good idea to have some on you, especially if you’re travelling off the beaten track. However getting money from a cashpoint abroad can come with charges. You’ll most likely be charged a non-sterling transaction fee.

Information Message

Other features and benefits

Insurance

Mobile phone insurance

When bad things happen to your mobile, you need good cover. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by Aviva Insurance Limited.

Lifestyle

Cinema discount

Enjoy savings on cinema tickets at over 250 cinemas nationwide.

Tastecard

If you love eating out, you’ll love this offer: get 2 for 1 meals, 50% off food or 25% off food and drinks at thousands of restaurants UK wide.

Rewards

Earn Rewards

Earn £4 a month back in Rewards for two or more Direct Debits - two of those Direct Debits needs to be at least £2 each. Plus, earn an extra £1 a month back in Rewards with one mobile app log in. That's up to £5 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. 

Banking with us

Mobile app

Stay in control of your money with our easy-to-use mobile banking app.

Our range of savings accounts

We have a range of savings accounts available to our current account holders.

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?

An arranged overdraft is available with this account (subject to eligibility).

An overdraft is a form of borrowing and is repayable on demand. It can be useful for short term borrowing.

To apply for or amend an overdraft on your account visit our Overdraft pages.

Now please take a look at the important legal info

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.

Change your account today

Before we begin your application for a Reward Silver 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
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 Silver 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 Silver 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 Silver.

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