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Premier Reward Black Account

A rewarding experience

Benefits for when you're at home or away

Enjoy worldwide family travel insurance.

Access to over 1,100 international airport lounges with Dragon Pass Premier+.

24/7 Concierge Service.

UK and European car breakdown cover.

£9 a month back in Rewards on two Direct Debits - they need to be at least £4.50 each.

£1 a month back in Rewards when you log in to our mobile app.

Arranged overdraft with £500 interest-free buffer available (subject to status).

£36 monthly fee.

 

I already have a Reward Black account

Learn more about our Royal Bank Premier Black app or find out how to set up and use your account benefits.

Account benefits

Rewards

Earn Rewards

Earn £9 a month back in Rewards for two or more Direct Debits - two of those Direct Debits needs to be at least £4.50 each. Plus, earn an extra £1 a month back in Rewards with one mobile app log in. That's up to £10 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. 

Insurance

Lifestyle

Other features...

Mobile Banking App

Make the most of your Premier Reward Black account with the Royal Bank Premier Black app.

Use your account benefits

Make the most of your Premier Reward Black account with the Royal Bank Premier Black app.

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?

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.
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Now please take a look at the important legal stuff

Change your account today

Before we begin your application for a Reward Black 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

You need to also meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your Royal Bank account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us.