Life's journey brings new banking needs. You can use your new Premier benefits to support you as you grow.

A warm welcome to Premier
Congratulations, you’re now a Premier customer as you’ve met our eligibility criteria. Enjoy Premier-exclusive products and services and get personal support from your Premier Banking team whenever you need help. Unlock extra benefits suited to you by opening a new Premier account.
Your next steps
-
1
Explore our Premier accounts and upgrade your benefits
-
2
Speak to your new dedicated team to help you achieve your goals.
-
3
Get expert help with financial planning and investments
1. Explore our Premier accounts and upgrade your benefits
To take full advantage of additional benefits, upgrade to a Premier account that fits your lifestyle. Take a look below at an overview of each.
Premier Reward Black benefits
Premier Select OpenClose

Enjoy Premier Select, free.
No non-sterling transaction fees when you use your card outside the UK
An interest-free overdraft up to £500 should you ever need a buffer.
Representative APR: 20.1% (variable). Other charges may apply.
How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.
Subject to status. To apply for one of our Premier accounts, you must be a UK resident. You must continuously meet one of the Premier Banking criteria. Cash machine withdrawal charges apply. Local fees may apply.
Premier Reward OpenClose

Get rewarded with Premier Reward
You’ll earn £9 if you set up two Direct Debits (of at least £4.50 each).
And get another £1 a month just by logging in to your app.
Earn at least 1% back in Rewards by spending with our partner retailers
£2 monthly fee. To apply for one of our Premier accounts, you must be a UK resident. You need to pay in £1,250 each calendar month to any eligible current account you have with us. You must continuously meet one of the Premier Banking criteria.
Premier Reward Black OpenClose

Premier Reward Black
Mobile phone insurance for you and your household
UK and European car breakdown cover
24/7 Home Emergency Service
Upgrade to Premier Reward Black
Get the most out of your trips abroad with travel benefits.
Worldwide family travel insurance
Airport lounge access with DragonPass Premier+
No Non-Sterling Transaction Fee with your Premier debit card, travelling or online. Not valid for ATM withdrawals. Other local fees may apply.
Enjoy VIP access and extra benefits, for when you need a treat.
24/7 Concierge Service to get VIP access to events, top restaurants and more
25% cashback on tickets to concerts and shows
Discounts on tickets at over 250 cinemas nationwide
You must continuously meet one of the Premier Banking criteria. To apply for one of our Premier accounts, you must be a UK resident. No non-sterling transaction fees. Cash machine withdrawal charges may apply. Eligibility criteria and fees apply. Eligibility criteria and fees apply.
2. Speak to your new dedicated team to help you achieve your goals.
Your new Premier banking team are here for you whenever you need them
Premier 24
Our highly trained Premier banking team are available 24/7, to support you whenever you need it.
Just call the number below.
Premier bank managers
Access to your own team of dedicated Premier managers, seven days a week, 8am to 8pm, to help your money work harder.
Book an appointment over the phone via Premier 24.
Financial planning specialists
Contact our team of experts for help and guidance on investments and planning.
Book an appointment over the phone via Premier 24.

Premier 24
You can contact Premier 24 at any time over the phone.
Telephone: 0333 202 3332
International: +44 131 278 3507
Relay UK: 18001 0333 202 3332
Premier 24 lines are open:
24 hours a day 7 days a week
We can contact you
Leave your details and availability below and one of your Premier managers will get in touch to talk through your plans.

3. Get expert help with financial planning and investments
Spend more time focusing on what really matters. We could help you plan yours and your family’s future and talk through any concerns.
Get your bases covered with will writing, pension and estate planning, along with income protection services and cash flow planning.
Look to the future by tax-efficiently structuring your finances, diversifying your investment portfolio, understanding inheritance, and finding out how to draw down on the wealth you’ve built over the course of your life.
Have peace of mind that no matter how complex your financial planning needs, we’ve a range of services at different price points, to suit your situation.
All our investment solutions are managed by Coutts. Initial meetings are free. Fees may apply to additional services. All advice and recommendations will be restricted to investment and protection products on the panel of products available to the financial planner.
The value of investment can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

Is it time to invest?
We’ve got a range of accounts and five ready-made investment funds to choose from, to help you save for the future.
All Royal Bank investments are manged by Coutts – one of the best-known private banks in the world. They have more than 300 years of experience and more than £46.5bn (Q3, 2024) in assets under management and administration.

Expert mortgage management
Found a dream home? Expanding your property portfolio? Our team of mortgage experts will help make it as seamless as possible. Speedy, too, with our paperless application that lets you sign online.
We offer special discounted rates on mortgages of £350,000 or more – even if you bring it from another lender. Also, on homes with an A or B Energy Performance Rating (EPC) with our Green Mortgage.
Mortgage concierge service
With a mortgage of £500,000-plus, you’ll have access to your own expert who’ll help you through the whole process.
Royal Bank mortgages are available for over 18s. Early repayment charges and product fees may apply. These discounted offers may be withdrawn at any time. Royal Bank Green Mortgages are available on selected products for homes with a valid EPC rating A or B.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
You’re a Premier customer as you’ve met one of the following criteria:
- £100,000 individual or £120,000 joint income paid into your account
- £100,000 in savings or investments
- a mortgage of at least £500,000 with us.