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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.

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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.

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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

Rewards

Banking with us

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.

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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