Royal Bank of Scotland Current Accounts

  • Check out Royal Bank of Scotland's range of current accounts below to find the ideal product for your individual circumstances.
  • Compare key product features and apply direct online.

Compare Royal Bank of Scotland Current Accounts

  • RBS logo

    RBS Reward Account

    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit - Reward eligibility criteria apply
    • On average RBS customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £2 fee
    • To apply, you must be 18+ and a UK resident
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £2

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • Arranged overdraft fees: £10 interest free buffer. Once buffer exceeded, you'll be charged 19.89% EAR (variable) on the whole overdrawn amount and a monthly usage fee of £6 on all arranged overdrafts
    • Other overdraft fees: please see provider website for details
  • RBS logo

    RBS Reward Platinum Account

    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit - Reward eligibility criteria apply
    • On average RBS customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly fee of £20
    • UK car breakdown cover policy underwritten by U K Insurance Limited
    • Mobile phone insurance underwritten by Aviva Insurance Limited
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £20

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • Arranged overdraft fees: £250 interest free buffer. Once buffer exceeded, you'll be charged 19.89% EAR (variable) on the whole overdrawn amount and a monthly usage fee of £6 on all arranged overdrafts
    • Other overdraft fees: please see provider website for details
  • RBS logo

    RBS Reward Silver Account

    • 2% back in Rewards on 7 types of household bills if paid by Direct Debit - Reward eligibility criteria apply
    • On average RBS customers earn £83 in Rewards per year. Based on monthly bills of £345 excluding the monthly £10 fee.
    • To apply, you must be 18+ and a UK resident.
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £10

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • Arranged overdraft fees: £10 interest free buffer. Once buffer exceeded, you'll be charged 19.89% EAR (variable) on the whole overdrawn amount and a monthly usage fee of £6 on all arranged overdrafts
    • Other overdraft fees: please see provider website for details
  • Royal Bank of Scotland logo

    RBS Select Account

    • Easy to use mobile banking app
    • Get a contactless Visa Debit card - make payments up to £30 with one tap
    • To apply, you must be 18+ and a UK resident
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      Free

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • £10 interest free buffer. Once buffer exceeded, you'll be charged 19.89% EAR (variable) on the whole overdrawn amount and a monthly usage fee of £6 on all arranged overdrafts
    • Other overdraft fees: please see provider website for details

    Compare similar products from other providers

  • Nationwide logo

    Nationwide FlexDirect

    • 5% AER on balances up to £2,500 for the first 12 months (conditions apply)
    • Fee-free overdraft for 12 months (subject to approval)
    • No monthly fee
    • Share £200 with a friend when they switch their main current account to Nationwide (terms apply)
    • Maximum Interest (AER) [?]
      5%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      £1,000
    • Monthly Fee
      Free

    Interest details

    • 5.00% AER (4.89% gross p.a.) for in-credit balances up to £2,500 (fixed for the first 12 months) if you pay in at least £1,000 per month.
    • After the first 12 months the rate reverts to 1.00% variable.
    • No interest on balances over £2,500.

    Overdraft details

    • Arranged overdraft fees: 0% for the first 12 months
    • 50p per day on balances over £10 thereafter (the first £10 of your arranged overdraft is free)
    • Unarranged overdraft fees: 50p per day on balances up to £10
    • £5 per day on balances over £10 and are capped at £60 per month
    • First time fee refund - Nationwide will refund the first overdraft fees you incur
  • Nationwide logo

    Nationwide FlexAccount

    • No monthly fee
    • Share £200 with a friend when they switch their main current account to Nationwide (terms apply)
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      Free

    Interest details

    • No interest is paid on in-credit balances on this account

    Overdraft details

    • Arranged overdraft fees: 0% for the first 3 months (conditions apply)
    • 18.9% EAR (variable) thereafter
    • Unrranged overdraft fees: 18.9% EAR (variable)
    • For every payment that is NOT made over and above your reserve limit, you'll be charged an unpaid transaction fee of £15
    • The total sum of fees (including any paid/unpaid transaction fees) is capped at £75 per statement month
  • Nationwide logo

    Nationwide FlexPlus

    • 3% on balances up to £2,500
    • Includes worldwide travel insurance, mobile phone insurance, breakdown cover and extended warranty
    • Share £200 with a friend when they switch their main current account to Nationwide (terms apply)
    • Maximum Interest (AER) [?]
      3%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      None
    • Monthly Fee
      £13

    Interest details

    • 3% on balances up to £2,500
    • No interest on balances over £2,500

    Overdraft details

    • Arranged overdraft fees: 0% for the first 3 months
    • 50p per day on balances over £100 thereafter (the first £100 of your arranged overdraft is free)
    • Unarranged overdraft fees: 50p per day on balances up to £10
    • £5 per day on balances over £10 and are capped at £50 per month

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