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Our Select account

Open our everyday bank account

Switch a bank account to our Select account and you could get our £175 Switch offer. Offer T&Cs apply.

To apply, you need to be 18+ and a UK resident. 

Switch to us and you could get up to £175

You could get £125 when you apply online or via our app to switch your current account held elsewhere into an  Select or Reward account using the Current Account Switch Service and an extra £50 if you open a Digital Regular Saver.

Phone £125

1. Switch to us

Don't have a current account with us?  

Simply open an  Select or Reward account and  your bank account to us using the Current Account Switch Service.

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2. Within 60 days of switching

Pay in £1,250

This can be made of multiple payments and must remain in the account for 24 hours.

 

Log in to our mobile app

This can be done on any device that supports the Royal Bank mobile banking app.

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3. You're all set

When you've met these conditions, we'll pay £125 into your  account within 30 days, provided that your stays open. 

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Piggy bank £50

Fancy an extra £50?

Here's how it works:

Open a Digital Regular Saver (DRS) within 60 days of completing your switch to us.  Once you receive your £125, we'll then add another £50 to your DRS within 30 days.

Total earned? £175!

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Specific account eligibility criteria & conditions apply. Monthly account fees may apply. Offers can be withdrawn or amended at any time due to limited availability. Offers T&Cs and restrictions apply. You are not eligible for these offers if you already have a current account with Royal Bank, if you're switching a current account from NatWest Group (NatWest or Ulster Bank NI), or if you've received a switch incentive from NatWest Group before.

What happens when you switch?

Step 1

We'll send a request to your old bank to confirm the switch and we'll keep you updated every step of the way.

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Step 2

Your old account will be closed on your behalf. Your balance and payments (like Direct Debits) will be moved to your Royal Bank account. 

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Step 3

The switch is complete. Once you've met our switch offer eligibility criteria, you'll get £125 within 30 days. 

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Why choose our basic bank account?

This bank account is free of a monthly fee.

Manage your account whenever and wherever you need to with our easy-to-use mobile banking app.

Pay however you like with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.

Arranged overdrafts are available too. Subject to eligibility. For more information, see our Overdraft details section below. 

A simple bank account that gives you more

Our basic bank account is free from a monthly fee and can be opened online. The Select account, and all of our bank accounts, come with some little extras which can help you save, budget and take stock of your finances.

Mobile banking screen showing budgeting activity

Budget better, spend less

Spending will put your transactions in to categories, giving you a detailed view of where your money is going.

Available to customers aged 16+ who hold a Personal or Premier current account.

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Take a closer look at how spending works Open in new window
Mobile banking screen for viewing Credit Score

Know your score

With our mobile app you can keep up to date with your credit score for free.

Available to customers aged 18+, with a UK address and is provided by TransUnion.

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Take a look at how you can check your score Open in new window
Mobile banking screen for Open Banking

View your accounts with other banks

View balances and transactions on selected accounts with participating UK banks. All your money on one screen.

You need to be registered for online banking with your other banks.

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Take stock of your accounts with open banking today Open in new window

Overdraft details

How do overdrafts work?

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How much will an overdraft cost?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

How to open a bank account online

Apply online

During the application we'll ask for information about you such as your address, job etc. So have these ready.

Provide your ID

You'll need to provide proof of your ID and address. You might be able to do this online, look out for an email from us.

Check your details

We'll check we have everything we need to open your account. Look out for your new debit card in the post.

Your account is open

Start using your new account. Log in to Digital banking and download our mobile app to bank on the go.

Everyday current account – Frequently asked questions

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. You can apply if you:

  • are aged 18 or over and a UK resident

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Digital Banking - not posted. Please take some time to review, print and/or save the important information.

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.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this  is captured.

 

All okay? Apply for a bank account online today.

To speed up your application for our Select account, we need to do a few final checks with you. They'll only take a minute.

Continue

Ways to take control of your money

Get a financial health check

Review your finances with our free financial health check. Fill in a few details and get useful hints and tips.

Check your financial health today Open in new window

Learn how to manage your money

It can be tricky to know where to begin when it comes to saving money. But our quick guide can help point you in the right direction.

Take a look at our managing money tips Open in new window

Get better at budgeting

Setting yourself budgets is a brilliant way to get your spending under control. In a few simple steps you could be saving money in no time.

Get to grips with budgeting Open in new window