Open a Reward Platinum

bank account

You can also earn 1% back in Rewards when you spend with our retail partners: Caffe Nero, EuropCar, Barrhead Travel, Boux Avenue, P&O Ferries and ATG Tickets.

Your Rewards balance can grow quickly, they're easy to earn and they're easy to exchange!

As soon as your available Rewards balance is the equivalent of £5 or more, you can log in to MyRewards to exchange them. Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear.

To login, you first need to set-up your MyRewards account. You'll need your Royal Bank debit card number on hand.

Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married or in a Civil Partnership.

Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting.

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions please call 0345 609 0456 (or Minicom 0370 600 0856). You may have to pay extra for this or you may find that your condition cannot be covered.

If anyone covered by the policy is aged 70 or over, there’s a £75 annual premium per person insured aged 70 or over.

If you have an existing medical condition, you may have to pay an additional premium or accept that your cover may exclude certain conditions.

Enjoy 10% discount on holidays, hotels , car hire and more

Receive 5% discount when you book a cruise

Airport lounge access for 2 with any flight or holiday booking

Register online here to book your holiday, car hire or hotel any time, day or night

What you should know

No credit card or booking fees. No limit to the number of times you can use the service. Charges apply to cancellations or changes to bookings.

Order in advance online or over the phone. Orders must be through Membership Services to receive preferential rates. Minimum order of £100 applies, maximum £2,500.

Use your Reward Platinum  debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.

No Non-Sterling Transaction fee when you make a payment outside the UK or payment in a foreign currency.

Not valid for ATM withdrawals. Other local fees may apply.

Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. There is no cover for phones owned by your employer.

2 approved claims can be made in any 12-month period. If this is a joint account, each account holder can make 2 approved claims, with a maximum of 4 per account.

Claims are settled by replacing or, in certain circumstances, repairing your phone. Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Our repairs use genuine manufacturer or manufacturer quality parts.

There is a £100 excess for each approved claim when your phone is replaced.

There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.

Replacement phones include a 12-month warranty. Phones repaired by our mobile or walk-in repair agents include a 24-month warranty.

The cover is for all vehicles owned by you and registered at your home address. You are also covered in any privately registered vehicle you travel in, anywhere in the UK.

Limited to 5 callouts in any 12 months.

Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.

Buy online through Membership Services and take advantage of up to 40% off the price of cinema tickets.

Valid at over 250 UK cinemas including Vue, ODEON and Showcase.

Any day, any time, any film.

Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other "event" type days.

Where restaurants offer 50% off they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.

Some restaurants require the customer to book prior to arriving.