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.
Royal Bank of Scotland Current Accounts logo

RBS Current Accounts FAQ

Who is RBS?

Does RBS offer free current accounts?

What kinds of RBS current accounts are on offer?

Will I have my credit record checked when I apply for an RBS current account?

Can I switch my account to a RBS current account?

Can I get an overdraft with a RBS current account?

Services offered by this provider may change over time. Always check Ts&Cs.

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  • Santander logo

    Santander 1|2|3 Current Account

    • Earn up to 3% cashback every month on selected Household bills paid by Direct Debit, capped at £5 for each cashback tier each month
    • Earn monthly interest of 1.00% AER/gross (variable) on balances up to £20,000
    • To be eligible you must pay a minimum of £500 into your account each month; have 2 active Direct Debits
    • There is a £5 monthly fee for maintaining the account that will automatically be taken from your account each month
    • Maximum Interest (AER) [?]
      1.00%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      £500
    • Monthly Fee
      £5

    Interest details

    • Earn monthly interest of 1.00% AER/gross (variable) on balances up to £20,000

      Earn up to 3% cashback every month on selected Household bills paid by Direct Debit, capped at £5 for each cashback tier each month

    Overdraft details

    • 39.9% APR (variable)/ EAR (variable)
    • Unarranged Overdraft Usage Fee - 0% APR (variable)/ EAR (variable)
  • Santander logo

    Santander 1|2|3 Lite Current Account

    • Earn up to 3% cashback every month on selected Household bills paid by Direct Debit, capped at £5 for each cashback tier each month
    • To be eligible you must pay a minimum of £500 into your account each month; have 2 active Direct Debits
    • There is a £1 monthly fee for maintaining the account that will automatically be taken from your account each month
    • Maximum Interest (AER) [?]
      0%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      £500
    • Monthly Fee
      £1

    Interest details

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

    Overdraft details

    • 39.94% APR (variable)/ EAR (variable)
    • Unarranged Overdraft Usage Fee - 0% APR (variable)/ EAR (variable)
  • TSB logo

    TSB Classic Plus Account

    • Earn 1.5% AER (variable) on balances up to £1,500 by crediting £500/month, register for internet banking, paperless statements and correspondence, interest paid monthly.
    • Must be UK resident only, 18+
    • Maximum Interest (AER) [?]
      1.50%
    • Switching Incentive
      None
    • Minimum Monthly Credit
      £500 (to earn interest)
    • Monthly Fee
      Free

    Interest details

    • 1.5% AER/ 1.49% gross variable interest paid on balances up to £1500 only. To earn interest (which is paid monthly) just pay a minimum of £500 a month and register for internet banking, paperless statements and correspondence.

    Overdraft details

    • Assumed arranged overdraft of £1,200: 39.9% APR representative variable. Subject to application, approval & repayable on demand.

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