Royal Bank of Scotland

Compare RBS current accounts

Current accounts made simple for you from Royal Bank of Scotland. Offering you simplicity and flexibility, Royal Bank of Scotland current accounts are perfect for your everyday banking needs. lets you compare which current account is best for you.

Compare Royal Bank of Scotland current accounts - Ordered by interest rate (AER)


Overdraft rate (EAR)

Interest rate (AER)

on balances between and

on balances up to

Customer service rating

Great (28%) Ok (43%) Poor (29%)

Customer service ratings provided by users of

  • Online Banking
  • Mobile App
  • Switching Service
  • Direct Debits
Great for:
  • Get a £10 buffer on your arranged overdraft, so you won't be charged any fees or interest if you go overdrawn by £10
  • No need to pay in a minimum amount every month
But be aware that:
  • You must be at least 18 years old to open this account


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Current accounts. Trust us to explain them simply

Royal Bank of Scotland Current Accounts Guide

Royal Bank of Scotland offers a number of different current accounts to customers. They include basic accounts, accounts with benefits and accounts for private banking customers. It also offers current accounts for students and young people. We take a look…

Basic current accounts from Royal Bank of Scotland

For an account just offering the fundamentals of banking, Royal Bank of Scotland has its basic account. You will be issued with a visa debit card and will be able to access bill payment facilities and make cash withdrawals. You can opt to bank digitally, through mobile banking apps or by visiting on of its branches. However, you can only access your money from Royal Bank of Scotland, NatWest and Ulster Bank cash machines, and if you want an overdraft or cheque book, then this account won’t be for you.

However, the Select account offers all of the above, but also comes with an overdraft facility (subject to eligibility) and a cheque book. Customers can also use standing order and direct debit facilities as well as gain access to emergency money if they lose their debit card. As long as you have at least £20 available, you’ll be given an emergency code to withdraw up to £300 of your money if you’re a telephone banking customer and up to £60 if you’re not.

If you are a customer whose preference is online banking, you can be confident as Royal Bank of Scotland was awarded Best Online Banking Provider 2011 from Your Money Direct.

Current accounts for young people

If your son/daughter needs a current account, then they could consider the Royal Bank of Scotland Revolve, specifically designed for 11-18 year olds. This enables young people to earn interest on their money and they’ll get a debit card to use in shops and online. They can even design the look of their debit card with their own artwork or photo. They will have access to top tips on how to manage their money as well as the opportunity to earn money by sharing their ideas.

Students looking for a current account could consider the Student Account. This comes with that all important interest free overdraft, however, to be eligible, your Royal Bank of Scotland account must be your main bank account. You must pay in at least £750 every six months and make at least three debit transactions every month.

Graduates choosing to open a current account with Royal Bank of Scotland can enjoy a number of benefits. They include a free tastecard membership (when registered for Digital Banking & paperless statements), access to an arranged overdraft and rewards when you use your debit card.

Current accounts with benefits

If you are looking for a current account that offers you benefits, then you may want to consider the Select Silver Account, which comes with a fee of £10 per month. Being a silver account holder will mean you are eligible for annual European travel insurance, mobile phone insurance including unauthorised calls and a ticket booking service with 25% cashback on tickets for theatre, dance, opera, concerts and more.

For £16 per month, you could opt for the Royal Bank of Scotland Select Platinum Account which offers a range of benefits. You will be entitled to annual worldwide travel insurance and mobile phone insurance, Green Flag breakdown cover and a free tastecard membership.

Private banking

Royal Bank of Scotland also offers private banking. The black account is available to anyone with an income of over £100,000 or joint income of £150,000 (paid into your Royal Bank of Scotland account), or savings of over £50,000 held with them.

The account comes for a charge of £24 a month and has a wide range of benefits such as travel, leisure, protection and banking. Extras include things such as worldwide airport lounge access and 24/7 concierge service.

Choosing the right account

There are a variety of current accounts out there, so when deciding which one to go for, take some time to decide exactly what it is that you need.

Using MoneySuperMarket’s current account channel will allow you to compare a number of accounts and filter your search to concentrate on exactly what it is that you need. This may be an overdraft, benefits, high interest, to name just a few, but comparing will allow you to see what you can expect from each and choose the best current account for you.