Bank accounts

Switch online to us
and get
£100 cashback

Why choose the Royal Bank of Scotland..

With our range of accounts you can get some great time-saving features, like a contactless Visa debit card and an easy-to-use mobile app, so you can just get on with life. 

And for this summer, if you have one of our Reward accounts, you can also enjoy fee-free debit card purchases abroad.

Switch online to us and get £100!

This offer is available to new and existing customers who switch their current account online.

Just use the Current Account Switch Service online to close your old current account held elsewhere and switch to us before 6 July. 

You’ll need to pay in at least £1,500 and log in to Digital Banking or our Mobile Banking app by 24 August. We’ll then pay the £100 by 5 October 2018. 

Are you a new customer?

To start your switch, browse our range of eligible accounts and apply: SelectRewardReward SilverReward Platinum and Reward Black

Already have a Royal Bank of Scotland current account?

It only takes a couple of minutes to complete our online switching form

What is switching?

Switching is where we move across everything across from your old bank account to your new Royal Bank current account, including your balance, bill payments, etc, within 7 working days.

We manage the whole process for you, and it's backed by an industry-wide guarantee to ensure the move goes smoothly. We do this using the Current Account Switch Service.

Our switching service is designed to work around you

During your application, you'll need to tell us the account number, sort code and debit card number of the bank account you want to switch to us. We then offer the following guarantee:

We’ll move all your existing payments going out (like standing orders and Direct Debits) and those coming in (like your salary), to your new account.

If your old account has an overdraft, we can move this across, subject to your individual circumstances. We will advise you whether we will be able to offer you an overdraft before progressing the switch application.

If you have any money in your old account, we’ll move it across to your new account too.

On the switch date, we’ll close your old account.

We’ll make sure any payments accidentally made to your old account after the switch date are redirected to your new account. We’ll also contact the sender and give them your new account details. 

During your application you can switch one current account from another provider to us, and the account must be solely in your name. If you’d like to switch more than one sole account, you can do this once your new account is open. You can’t switch a joint account into a sole account.

Before we start the switch, we’ll check that your old account is able to be switched using the Current Account Switch Service – 99% of UK current accounts are eligible to use the service. If your current account isn’t eligible, we can still organise the switch for you. It’ll just take a little longer.

To be eligible for the £100 switching offer you must use the Current Account Switch service online to close a current account held elsewhere (savings accounts are excluded) and switch into one of our eligible Royal Bank accounts. Please read the Terms and Conditions for full details.

Yes, we’ll automatically close your old account as part of the 7 day switching process. 

This happens so that any payments made to your old account will be automatically redirected to your new one. 

If your old account is overdrawn and the overdrawn amount is not paid off by the day the switch completes, we won’t be able to close the account but it will become inactive.

Yes – you can still use your old account right up to and including Day 6. This includes using your cards, digital banking and mobile banking. 

Don’t set up any new payments on your old account though, as we won’t be able to transfer those across.

To cancel your switch completely, you need to let us know at least 7 working days before your switch date. 

After that, only certain elements can be cancelled depending how far through the process we are. We’d guide you through the process though if you chose to do this.

If you cancel the switch you won't be eligible to get the £100 cashback.

If you have a joint account, you will only be eligible for one £100 cashback payment. This means that only one of you needs to pay in at least £1,500 and log in to Digital Banking or Mobile Banking before 6 July.

The £1,500 can be paid into your account as one payment or multiple smaller payments, but the total amount must be at least £1,500.

The £1,500 can be paid into your account as one payment or multiple smaller payments, but the total amount must be at least £1,500 before 13 July.

What happens during the switch?

Day 1 and 2

We contact your old bank and they confirm if the switch can go ahead.

Day 3

We set up your new account and move the payments across, like your salary and bill payments.
Asset 2

Day 6

We talk to your old bank about transferring your balance over.
Asset 4

Day 7

We’ll transfer your balance and close your old account. And that’s your switch complete.

I'm ready to switch

Great, thanks for choosing to switch your current account to us. Are you a…

The first step is to apply for a current account with us

To start your switch, browse our range of eligible accounts and when you are ready, start the online application. You'll be able to request the switch during the application.

Eligible accounts are SelectRewardReward SilverReward Platinum and Reward Black

As we already know you, this should only take a few minutes.

To make sure that you are eligible for the £100 here's a reminder of a few key details:

  • You must request that we close your old current account held elsewhere with another provider (savings accounts are excluded) and switch into your existing eligible Royal Bank account.
  • You’ll need to pay in at least £1,500 and log in to Digital Banking or our Mobile Banking app by 24 August

This offer is not open to existing customers who hold all their accounts with us.

We’re sorry but if you’ve had cashback from NatWest between October 2017 and May 2018, you won’t get it again.

Switching Offer Terms and Conditions

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Are you ready to continue?

Great! Now we can get started with your switching request…