{"id":455317,"date":"2022-07-28T11:38:18","date_gmt":"2022-07-28T10:38:18","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=455317"},"modified":"2026-02-11T13:10:27","modified_gmt":"2026-02-11T13:10:27","slug":"rbs-premier-reward-current-account-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/rbs-premier-reward-current-account-review","title":{"rendered":"RBS Premier Reward current account review"},"content":{"rendered":"<h3>What is the RBS Premier Reward current account?<\/h3><p>The RBS Premier Reward current account is a premium current account that enables you to earn rewards as well as benefit from a Premier Banking service. In return, account holders must meet certain eligibility criteria and pay a \u00a32 monthly fee.  <\/p><p>The account can be managed online, via the mobile banking app, over the phone or in branch and you can open it as a joint or sole account.<\/p><h3>How does it work?<\/h3><p>The key features of the RBS Premier Reward account are outlined below:<\/p><ul><li><strong>Earn up to \u00a310 a month in Rewards.<\/strong> Earn \u00a39 a month in Rewards for 2 or more direct debits on the account (at least \u00a34.50 each). Plus earn \u00a31 a month in Rewards when you log in to the mobile app.<\/li><li><strong>Earn Rewards on spending.<\/strong> Earn from 1% when you spend on your debit card with retail partners such as Caffe Nero, Europcar, Barrhead Travel, Boux Avenue and ATG Tickets.<\/li><li><strong>Rewards exchange.<\/strong> Once you reach \u00a35 in Rewards, you can redeem it as cashback, trade it up for gift cards or e-codes with RBS\u2019s retail partners or donate it to charity.<\/li><li><strong>Arranged overdraft.<\/strong> An arranged overdraft is available on the account. Interest is charged at 39.49% EAR (variable).<\/li><li><strong>Round-the-clock support.<\/strong> Expert help is available on the phone or online 24\/7.<\/li><li><strong>Premier Banking Manager.<\/strong> To help make your financial life easier or connect you with specialist teams for more complex issues.<\/li><li><strong>Enhanced level of insurance cover.<\/strong> Available if you need it with Premier Insurance.<\/li><li><strong>Access to RBS\u2019s will writing and executor services.<\/strong> A fee will apply.<\/li><li><strong>Free receipt management tool.<\/strong> Store, track and capture your receipts via the mobile app.<\/li><\/ul><h3>Who is it for?<\/h3><p>To be eligible for the Premier Reward account, you will need to be at least 18 years old and a permanent UK resident. You will also need to pay at least \u00a31,250 into an eligible RBS bank account each month, not hold more than 2 Reward accounts and be happy to pay a \u00a32 monthly fee. <\/p><p>In addition, you will need to meet one of the following criteria:<\/p><ul><li>Earn a minimum sole income of \u00a3100,000 or a joint income of \u00a3120,000 paid into your RBS account<\/li><li>Have a minimum \u00a3500,000 mortgage with RBS<\/li><li>Have a minimum of \u00a3100,000 savings or investments held with RBS.<\/li><\/ul><h3>What are the benefits?<\/h3><p>The main benefits of the account are that you\u2019ll be able to earn rewards and get 24\/7 expert help and one-to-one financial support whenever you need it. It also gives you access to tailored and exclusive products such as insurance. <\/p><h3>How to apply<\/h3><p>You can apply for the RBS Premier Reward account online. You\u2019ll need to provide some personal details such as your address history and monthly income, and you\u2019ll need to provide proof of ID such as a UK passport, UK or EU\/EEA driving licence or an EU\/EEA National ID card. You may also be asked for proof of address. RBS estimates you should be able to complete your online application within an average lunch break.<\/p><h3>Is it safe?<\/h3><p>Yes, RBS is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA. Eligible deposits will be protected by the Financial Services Compensation Scheme (FSCS) up to \u00a3120,000 per person.<\/p><h3>Pros and cons of the RBS Premier Reward current account<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Earn Rewards that can be redeemed in several ways.<\/li>\n                                    <li>Round-the-clock support, including a dedicated banking manager.<\/li>\n                                    <li>Arranged overdraft available.<\/li>\n                                    <li>FSCS protection.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Monthly fee.<\/li>\n                                    <li>Strict eligibility criteria.<\/li>\n                                    <li>Interest charged on overdrafts at 39.49% EAR.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n                                    \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\">\n\t<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000000\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000000\">\n                <span class=\"luna-accordion__title\">Can I use the Current Account Switch Service?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000000\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Yes, you will be able to use the Current Account Switch Service to switch to the RBS Premier Reward account in just 7 working days.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000001\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000001\">\n                <span class=\"luna-accordion__title\">Which retailers can I trade up my Rewards with?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000001\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>Partners include John Lewis, British Airways (Avios), Argos, Morrisons, Currys, TK Maxx, Cineworld and more. You can see the <a href=\"https:\/\/www.rbs.co.uk\/myrewards\/partner-retailers.html\" target=\"_blank\" rel=\"noopener\">full list here<\/a>.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n<li class=\"luna-accordion\" data-accordion=\"accordion\">\n    <div class=\"luna-accordion__summary\">\n        <h4 class=\"luna-accordion__heading\">\n            <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"faq-builder-0000000002\" data-toggle=\"collapse\" data-target=\"#faq-builder-0000000002\">\n                <span class=\"luna-accordion__title\">Which charities can I donate to?<\/span>\n                <svg class=\"luna-icon\" aria-hidden=\"true\">\n                    <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n                    <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n                <\/svg>\n            <\/button>\n        <\/h4>\n    <\/div>\n    <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"faq-builder-0000000002\" data-accordion=\"details\">\n        <div class=\"accordionContent\">\n            <div>\n                <p>You can donate your Rewards to Comic Relief, Disasters Emergency Committee,  Barnardo's, Macmillan Cancer Support, NSPCC, Prince's Trust, RNIB, Alzheimer's Society or British Heart Foundation.<\/p>\n            <\/div>\n        <\/div>\n    <\/div>\n<\/li>\n\n<\/ul>\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find out whether the RBS Premier Reward current account could be worth switching to.<\/p>\n","protected":false},"author":1047,"featured_media":447724,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-455317","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - 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