Change your bank account to Reward Silver

Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis.  There is no cover for phones owned by your employer.

One approved claim can be made in any 12-month period.  If this is a joint account, each account holder can make one approved claim.

Claims are settled by repairing your phone, where possible. If we are unable to repair your phone, or it has been lost or stolen, we'll arrange a repair or replacement asap, so long as you're in the UK. Replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Repairs use genuine manufacturer or manufacturer quality parts.

There is a £100 excess for each approved claim when your phone is replaced or if you mail it to us to be repaired.

There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.

Replacement phones and phones mailed to us for repair include a 12-month warranty. Phones repaired by our mobile or walk-in repair agents include a 24-month warranty. 

Buy online through membership services and get great savings off the price of cinema tickets.

Valid at over 250 UK cinemas including Vue, ODEON and Showcase.

Any day, any time, any film.

• Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other "event" type days.
• Where restaurants offer 50% off food or 25% food and drinks they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.
• Some restaurants require the customer to book prior to arriving.

You can also earn 1% back in Rewards when you spend with our partners such as Morrisons, Costa and Uber Eats.

Your Rewards balance can grow quickly, they're easy to earn and they're easy to exchange.

As soon as your available Rewards balance is the equivalent of £5 or more, you can log in to MyRewards using our mobile app to exchange them. Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear.

Our app is available to personal and business banking customers aged 11+ using compatiable iOS and Android devices. You'll need a UK or international mobile number in specific countries.

What can you get up to with our mobile app?

Log in with your fingerprint on selected Apple and Android devices– it’s simple, secure and fast.

View, cancel and amend your regular payments – so you manage your bills where and when it suits you. Limits apply.

Easily pay family and friends using their mobile number - (as long as they have our mobile app). Pay Your Contacts makes it quick and easy, and they’ll get the money instantly. Limits apply.

Get cash without your card – Ideal if you’ve left your card at home. Simply go to any Royal Bank or Tesco cash machine and follow the steps in the app. You can withdraw up to £130 every 24 hours, you must have at least £10 available.

That’s only half the story. Find out what else you can do. More about Mobile app.

Whether you're new to saving, or more of an expert, our Savings Hub is designed to help you find the savings account that best suits your needs. We have a range of accounts which you could have access to if you open a current account with us.

View all savings accounts

Individual account eligibility criteria and conditions may apply.