RBS current accounts for May 2025
Earn cashback on your bills and access a wide range of perks with RBS current accounts.

As one of the big high street banks, Royal Bank of Scotland (RBS) has plenty to offer its current account customers. As well as branches across the country, there are also current accounts paying you cashback and good deals for students and teenagers looking for their first accounts too.
Like other large banks, RBS regularly offers switching bonuses of around £125-£150 to customers who move their current account over to the bank.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
Read the full methodologyRBS has a good range of current accounts and a particularly extensive offering when it comes to rewards.
You can choose from 3 different RBS rewards accounts: Reward, Reward Silver and Reward Platinum. You must be an existing RBS customer to get the Reward Silver or Reward Platinum account. All 3 accounts offer cashback and a monthly cash reward. Then, depending on how much you are willing to pay in fees, you can get extras including travel insurance and breakdown cover. Compare reward accounts on our dedicated page.
Learn more about reward and incentive accounts
If you aren’t looking for bells and whistles then RBS’s everyday Select account is fee-free and comes with a contactless debit card, Apple Pay, Google Pay and a mobile banking app. You can also apply for an arranged overdraft.
RBS also offers a basic Foundation account – you may be offered this account if you aren’t eligible for any of RBS’s other accounts. Ukrainian refugees can apply for this account directly.
Learn more about current accounts
RBS’s student account comes with perks including an interest-free overdraft. RBS also regularly offers sign up incentives on its student account such as a free 4-year tastecard. After you’ve graduated, your account becomes a graduate account.
Learn more about student accounts
When comparing student accounts don’t get distracted by the freebies on offer. For most students the important feature will be the interest-free overdraft. Royal Bank of Scotland offers a generous interest-free overdraft, compare that with other banks first. Then consider the perks of the account.”
RBS offers two different children’s accounts. The Rooster Money account is available for 3 to 17 year olds and includes a parent-managed pocket money app. You can set allowances and track your child’s spending and saving in the app. Then there is the Revolve account for 11 to 17 year olds. This comes with a contactless debit card and, once the child turns 13, Apple Pay and Google Pay. This account also pays your child interest on their pocket money.
Learn more about children’s accounts
Whether you’re a start-up or a more established business, RBS offers a range of different accounts to suit different business needs. Choose from a start-up business account that offers no transaction fees for a set time, a straightforward bank account for businesses that have been trading for over a year, and a community account for not-for-profit organisations such as charities and clubs.
Learn more about business accounts
No, RBS doesn’t have any of these at the moment, but it does sometimes have switching deals. We have a page that shows other switching deals available, so when RBS does offer another one, you can read about it there.
Yes, 2 people can open a joint account together with RBS. You can apply online or in branch.
Yes, RBS has a range of options, including its Premier Select, Premier Reward (£2 a month), Premier Reward Black (£36 a month), and Reward (£2 a month) accounts. You can compare them against the competition in our guide.
In our independent 2025 customer satisfaction survey, 77% of RBS’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s great customer service, but some wished they were more ethically focused. Here’s what some of those RBS customers had to say:
“Good quality bank that really cares about me as a customer.”
“Excellent, safe and secure to use.”
On Trustpilot, RBS scores 1.3 out of 5 from over 900 reviews. On the Apple App Store, it has a rating of 4.8 out of 5 from more than 184,000 reviews, while on the Google Play Store, it’s rated 4.7 out of 5, from more than 101,000 reviews (updated April 2025).
To open an account with RBS, you’ll have to provide the following information:
You can open an RBS account online or by visiting a branch.
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RBS doesn’t include interest with most of its current accounts, but it does offer more unique rewards, such as cashback on bills. Whether this makes sense for you will depend on how you use your account. If your current account has a relatively low balance day-to-day but multiple direct debits, and you plan to use the mobile app and spend on the debit card, the rewards may be worth more to you than interest. But, if you regularly maintain a large balance then a current account that pays interest may be a better option.
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