rbs travel insurance black account

You are using an outdated browser. Please upgrade your browser to improve your experience.

No results found

Try adjusting your search to see more results.

If you are unsure whether this review should be removed, please see our policy on reporting reviews .

A company can partner with Smart Money People and invite their verified customers to leave a review. When they do this it’s labelled as "Verified source" on the Smart Money People website.

There are a number of automated invitation techniques available to businesses. All of which are trusted and ensure that only verified customers can leave reviews through them.

RBS: Black Current Account reviews

No new 5 star reviews, no new 1 star reviews, latest highest rating:.

Latest lowest rating:

About the Black Current Account

The RBS Reward Black Current Account charges a monthly fee and provides account holders access to a range of benefits. These include a 24/7 Concierge Service, family travel insurance, breakdown cover and other redeemable rewards. Only existing RBS current account holders can switch to the Reward Black Account. Before opening a new bank account, it’s important to do your research and be confident that it’s right for you. We collect RBS Reward Black Current Account reviews from genuine account holders. Make an informed decision about your new current account by reading the reviews on Smart Money People. Find out how long account holders have had their Reward Black Account. Learn more about the perks and benefits to decide if they’re right for you. Read about genuine experiences with the customer service team to find out how swiftly customer concerns get resolved. Find out what existing customers say the best part of the account is, and which aspects they feel could be improved. All of this and more can be found in our RBS Reward Black Current Account reviews. If you have an RBS Reward Black Account, share your experience with our Smart Money People community. What drew you to this current account, and have you been satisfied so far? Which of the benefits do you use the most? Would you say that the perks and benefits of the account are worth the monthly fee? If you use the RBS mobile banking app, which features are the most useful? Would you recommend this account to your family and friends? Whether good or bad, write an honest RBS Reward Black Current Account review today. Together, we can help people like you make better financial decisions.

Review RBS: Black Current Account now

Rbs black current account reviews ( 16 ), worst service, travel insurance service is appalling.

Great Account/Benefits and Service

Great mobile app.

Showing 4 of 16

Do you have a different RBS product?

There's still more to see!

Join smart money people.

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

News, guides and insight from our team

Savings accounts: Are you losing out by being loyal?

The impact of not collecting customer reviews

First time buyer guide to mortgages: what you should know before buying a property

The hidden costs of home ownership

• Jump to Accessibility
• Jump to Content

Change your account to Reward Platinum

Please note: The monthly account fee will increase from £20 to £22 from 28th June 2024.

On this page

Boost your benefits with our Reward Platinum account

• Earn Rewards that you can redeem as cash, gift cards or e-codes with our retail partners.
• Mobile phone insurance.
• UK car breakdown cover.
• Worldwide family travel insurance.
• Free from non-sterling transaction fees on purchases abroad.
• Choose your way to pay with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.

£20 monthly fee.

To apply, you must be an existing Royal Bank current account customer.

Get travel insurance and other benefits with our packaged bank accounts

Our Reward Platinum account is packed full of extras to help you while you're abroad. 

Worldwide travel insurance (with COVID cover)

Family travel insurance that covers you and your eligible partner and dependent children for trips up to 31 days. It includes emergency medical expenses, cancellations, baggage and more.

Worldwide travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Who is covered under family travel insurance?

• 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 nor in a Civil Partnership.
• Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

Over 70 or have pre-existing medical conditions?

• If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to get your cover, where there will be a £75 annual premium per person.
• Pre-existing medical conditions won’t be covered. You may have to pay extra for this or you may find that your condition cannot be covered. 

If wish to discuss further, you can call us: UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

If Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Director y of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777. Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed

What cover does our travel insurance provide for COVID-19?

Your policy provides cover for the following situations related to COVID-19 as long as the Foreign, Commonwealth & Development Office (FCDO) aren't advising against "all travel" or "all but essential travel" to your destination:

Cancelling a trip due to:

• You or any insured person, close relative or travelling companion being diagnosed with COVID-19 or another pandemic disease
• quarantine (as an individual and not broadly as part or all of a population, vessel or geographical area) if not known at time of booking
• the FCDO advising against 'all' or 'all but essential' travel due to COVID-19 or another pandemic
• you're unable to access your pre-booked accommodation due to COVID-19 or another pandemic.

Cutting short a trip due to:

• A change in FCDO advice, as long as you weren’t aware of this advice when you travelled
• being unable to stay in pre-booked accommodation due to COVID-19 or another pandemic, as long as you weren’t aware of this when you travelled.

Spending abroad

No non-sterling transaction fees when you buy with your debit card abroad.

• Use your debit card for purchases anywhere in the world, in any currency, without worrying about charges for using your card abroad.
• There is no non-sterling transaction fee when using your Reward Platinum debit card outside the UK.
• Not valid for ATM withdrawals. Other local fees may apply.

Other features and benefits

• Banking with us

Insurance OpenClose

Mobile phone insurance, mobile phone insurance - in detail.

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.

Two approved claims can be made in any 12-month period. If this is a joint account, each account holder can make two approved claims.

Claims are settled by replacing or, in certain circumstances, repairing your phone. We'll arrange a repair or replacement asap, so long as you're in the UK. Replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. 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.

Replacement phones include a 12-month warranty. Repaired phones include a 24-month warranty.

UK car breakdown cover

Uk car breakdown cover in detail.

What you need to know about UK car breakdown cover:

• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.
• All your vehicles are covered - your policy covers any privately registered vehicle you travel in, anywhere in the UK. It also covers your vehicle if it is being driven by someone else with your permission.

Things to remember:

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.

For more information on the cover including exclusions and limitations, please refer to our  car breakdown cover  page.

Roadside Assistance, At Home and National Recovery:  Provided by Automobile Association Developments Limited (trading as AA Breakdown Services) Onward Travel:  Underwritten by Acromas Insurance Company Limited Accident Assist:  Underwritten by AA Underwriting Insurance Company Limited

Lifestyle OpenClose

Cinema discount, cinema discount in detail.

Buy online through membership services and get great savings off the price of cinema tickets.

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

Any day, any time, any film.

Tastecard in detail

• 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 food or 25% off food and drinks 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.

Rewards OpenClose

Earn rewards, more details on earning rewards.

You can also earn 1% back in Rewards when you spend with our retail partners such as Morrisons, Costa and Uber Eats.

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

Exchange Rewards

How to exchange your rewards.

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.

Banking with us OpenClose

Mobile app details.

Our mobile app is available to Digital Banking customers with a UK or international mobile number in specific countries.

What can you get up to with our mobile app?

Log in with your fingerprint   on selected Apple and Android devices – it’s simple, secure and fast.

View, cancel and amend your regular payments –  so you manage your bills where and when it suits you. Limits apply.

Easily pay family and friends using their mobile number -  (as long as they have our mobile app). Pay Your Contacts makes it quick and easy, and they’ll get the money instantly. Limits apply.

Get cash without your card  – Ideal if you’ve left your card at home. Simply go to any Royal Bank or Tesco cash machine and follow the steps in the app. You can withdraw up to £130 every 24 hours, you must have at least £10 available.

That’s only half the story. Find out what else you can do.  More about Mobile app .

Our range of savings accounts

Comparing savings accounts.

Whether you're new to saving, or more of an expert, our Savings Hub is designed to help you find the savings account that best suits your needs. We have a range of accounts which you could have access to if you open a current account with us.

View all savings accounts

Individual account eligibility criteria and conditions may apply.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?

An arranged overdraft is available with this account (subject to eligibility).

An overdraft is a form of borrowing and is repayable on demand. It can be useful for short term borrowing.

To apply for or amend an overdraft on your account visit our  Overdraft pages .

How do overdrafts work?

There are two different types of overdraft:

• An  arranged overdraft , which allows you to go overdrawn up to an agreed limit.
• An  unarranged overdraft . This is when you spend more money than you have in your current account  without  already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected. 

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Digital Banking - not posted. Please take some time to review, print and/or save the important information.

The account fee is increasing

The monthly account fee will increase from £20 to £22 from 28th June 2024. It’s important to review the account to make sure it still meets your needs.

Your Current Account Terms (28 pages)

All kinds of general info about our current accounts. Including details about the Reward Platinum Account.

Download PDF (162 KB)

Financial Service Compensation Scheme Sheet (1 page)

Very important information about how your money is protected. Just in case.

Download PDF (105 KB)

Fee Information Document (20 pages)

How much our charges will be. From taking cash out abroad to an unarranged overdraft.

Download PDF (133 KB)

What You Need To Know (2 pages)

Important basic info about the bank. For example, who regulates us and how to complain (hopefully you won't need that bit).

Download PDF (45 KB)       Send in the post

Our Lending Commitments (4 pages)

How we promise to treat you, if we lend you money. And what we expect from you in return.

Download PDF (44 KB)    

MyReward Terms (11 pages)

All the detail about the scheme. From how to set it up and how to earn Rewards, to how we’ll keep in touch with you.

Download PDF (79 KB)     

Platinum Account Insurance Product Information Document (12 pages)

Items covered within the Reward Platinum packaged account fee, e.g. Worldwide Travel and Mobile Phone Insurance.

Download PDF (152 KB)      Send in the post

Platinum Benefit Terms (55 pages)

These Terms are the ‘Platinum Benefit Terms’ referred to in ‘Your Current Account Terms’ and are part of the agreement between you and us for your Platinum account. 

Download PDF (247 KB)

Platinum Travel Insurance Terms (46 pages)

This booklet contains everything you need to know about your travel insurance.

Download PDF (718KB)

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.

Change your account today

Before we begin your application for a Reward Platinum account, we need to do a few final checks with you. First things first. You can apply if you:

• are aged 18 or over and a UK resident.
• already have a Royal Bank current account.

Great, let's get started

Just a heads up, you'll need to take a few steps to start your application.  

• If you're already using a device with the Royal Bank app, select the 'Start application' button below. Using a desktop? Simply  scan  the QR code with your mobile device that has the Royal Bank app.
• Once logged in, select 'Current Accounts'. 
• Then choose what type of account you would like to open, change or switch to, and follow the instructions within app to start your application. 

Can't scan the QR code?

Log in to Digital Banking

• Enter your customer number or 16-digit card number to get started. 
• You'll then need to enter your Digital Banking pin and password.
• Once you're logged in, select ' Current accounts ' from the product list. 
• Finally, choose the account you want to apply for and complete your application.

Let’s get you signed up for Digital Banking

You’ll need to sign up for  Digital Banking  with us in order to apply for a Reward Platinum account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank Debit Card, if you have one.

How to register for Digital Banking

Head to ' Register for Digital Banking '.

Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.

We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future.  If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen. 

We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.

Go to the Royal Bank of Scotland website and select ‘Log in’ in the top right-hand corner, have your activation code to hand.

On the log in page, type in your customer number and activation code.

Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.

Finished. Now you can manage your finances anywhere you can get online.

Once you’ve registered, select ‘Next’ to log in and apply for a Reward Platinum account. 

Log in to Royal Bank Digital Banking

Forgotten your digital banking details.

If you've forgotten your log in details, don't worry, select 'Reset my Digital Banking' for further instructions. 

How to download and apply via the app

First, download the app, then:

• On your mobile or tablet, open the camera and point your device at the QR code.
• Follow the link that pops up to download the app.
• Use your details to log in, then select ‘Apply’ at the bottom of the app.

Can't scan the QR code? Available on selected devices.

Compare our current accounts

We're sorry but you must have an existing Royal Bank current account to upgrade to a Reward Platinum. 

Our Select and Reward accounts are available to new customers. If you still like the look of our Reward Platinum account you can come back and upgrade later.

HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » Royal Bank of Scotland Travel Insurance

Royal Bank of Scotland Travel Insurance Review and Quotes

verified information

Information verified by   Adeline Harmant

Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Royal Bank of Scotland is the right company to go on holidays with?

In this definitive Royal Bank of Scotland review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Royal Bank of Scotland the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Royal Bank of Scotland travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,2 Safe overall rating for Royal Bank of Scotland

Royal Bank of Scotland travel insurance reviews by expert and consumers

To check if Royal Bank of Scotland is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Royal Bank of Scotland travel insurance cover?

Royal Bank of Scotland travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

RBS's travel insurance policies are available to individuals, couples and families.

Royal Bank of Scotland single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Royal Bank of Scotland:

Royal Bank of Scotland winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is included as standard across all account types at RBS and it comes with the following benefits:

• Up to £400 ski equipment cover
• Up to £250 ski pack cover
• Up to £200 avalanche cover
• Up to £930 piste closure cover.

What are the other travel insurance options available at Royal Bank of Scotland?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Royal Bank of Scotland before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Royal Bank of Scotland travel insurance?

You'll find below indicative quotes per level of cover at Royal Bank of Scotland:

It is, however, quite difficult to give precise price ranges as Royal Bank of Scotland travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Royal Bank of Scotland?

There are no discounts mentioned on the website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Royal Bank of Scotland.

What else should I know about Royal Bank of Scotland travel insurance?

What are the general exclusions at royal bank of scotland travel insurance.

To be eligible for a travel insurance policy at RBS:

• You must be a UK resident
• You have to have a valid Reward Bank Account at RBS
• You must be transparent about any pre-existing medical conditions of everyone named on the policy
• You must not exceed the period of insurance unless you bought a trip extension cover
• You must be 69 years or below unless you bought an age extension cover
• You must be travelling with the intention to return home.

How do I get travel insurance quote from Royal Bank of Scotland?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Royal Bank of Scotland is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Royal Bank of Scotland website?

Through the customer portal, you can learn about your benefits, use your benefits online, view your benefits usage history and also make claims. You can click on the customer portal link .

How to claim at Royal Bank of Scotland travel insurance?

There are 2 ways to make a claim and that is either online or through a phone call.

How do I contact Royal Bank of Scotland travel insurance?

Royal bank of scotland contact phone numbers, royal bank of scotland other contact details, how to cancel your annual royal bank of scotland travel insurance policy.

You will find below main information to cancel your travel insurance policy at Royal Bank of Scotland:

Our opinion on Royal Bank of Scotland travel insurance

RBS's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

They offer Annual Multi Trip insurance policies as standard across their Reward Bank Accounts: Silver, Platinum and Black. Instead of paying an insurance premium, you only pay a monthly fee of maintaining your Reward Current Bank Account. The period of insurance varies across the levels of covers with Silver covering 22 days per trip, Platinum covering 31 days per trip, and Black covering 90 days per trip. Winter Sports Cover is included as standard across all 3 accounts. The Silver account offers European Travel Insurance while the Platinum and Black accounts offer Worldwide Travel Insurance.

In addition to the travel insurance, you can also enjoy the following benefits when opening a Reward Bank Account at RBS:

• Mobile phone insurance
• Debit card purchases abroad at no extra charge
• UK car breakdown cover
• Discounts on holidays when you book with Platinum Travel Service
• Two free UK airport lounge passes with each Platinum Travel Service holiday booking.

We would recommend Royal Bank of Scotland to anyone looking to open a current bank account that comes with a travel insurance cover as standard.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

• BOOKING ENQUIRY
• Beginners guide
• Hotel reviews
• Flight reviews
• Airline Lounge Reviews
• Travel companies, luggage, travel tech & apps
• Destination Dining
• All other destinations
• Join our email list & data protection
• Youtube and Podcast
• Airport hotels
• American Airlines
• Black Friday 23
• British Airways
• British Airways Executive Club
• Business class
• competition
• Credit cards
• Destinations
• First class
• Heathrow and Gatwick
• London hotels
• Michelin star dining
• reader questions
• Reader review
• Star Alliance
• This Week in Travel
• UK country hotels
• Virgin Atlantic and Virgin Atlantic Flying Club

Which bank accounts offer travel benefits?

• 16 September 2017

Reader Andy wrote to me about some of the savings he was getting from his RBS account, so I thought it was worth a look at what you can get with some bank accounts for travel perks.

RBS Black Account

To qualify for an RBS Black account you need to be aged 18 or over, and a UK resident with either £100,000 sole income to be paid into the account, a Royal Bank mortgage of at least £300,000, or £100,000 in Royal Bank savings and investments. You can find more on the black account benefits here.

The account costs £27 a month which is pretty steep. For this you receive the following travel related benefits amongst others:

• Worldwide travel insurance
• Travel Service – discounts on flights and holidays
• Preferential Rates on Travel Money
• Worldwide Airport Lounge Access – Priority Pass
• Mobile phone insurance
• UK Car Breakdown Cover including Homecall
• 24/7 Concierge service.

There is also a slightly cheaper Platinum account which does not include the lounge access or Concierge.

Is it worth it?

As with all things, you need to work how much you, personally, would use all of the benefits weighed against the £324 a year. The travel service and the lounge access will be of most interest to frequent travellers. The Travel service actually has some good discounts such as 10% off Qatar Airways including sale fares and ex EU. It does, however, exclude the tax portion of the fare for the discount. If you were to buy 2 business class tickets a year using this it could potentially pay for the account fees on one trip.

The Priority Pass membership is worth around £259 on its own and is useful if you travel in economy, don’t have airline status, or travel with more people than you can guest in using your airline status. £15 to guest someone is pretty reasonable compared to most lounge charges of around £25-35 a visit. You could also get this benefit from the Amex Platinum card but that comes with a much steeper fee, albeit with a big miles bonus and some high tier hotel loyalty status.

HSBC Premier

The HSBC Premier account is pretty tricky to qualify for but if you can, or could qualify, it is worth considering. You need to

1) have savings or investments of at least £50,000 with HSBC in the UK; or 2) have an individual annual income of at least £100,000 and one of the following products with HSBC in the UK:

• a mortgage;
• an investment, life insurance or protection product;

Interestingly, there is no fee for the account but if you apply for the HSBC Premier World Elite Credit card, which is the main perk of the account, you will pay a £195 annual fee.

The main perks of the account are:

• Worldwide Travel Insurance Worldwide Travel Insurance available to the UK, the Channel Islands or the Isle of Man residents under the age of 70, to give you some peace of mind if the unexpected happens. Subject to status and meeting HSBC’s UK proof of address requirements.
• If your credit cards are lost or stolen, replacements within 36 hours. Or if your cash is lost or stolen, up to US $2,000 emergency cash transfer.
• Points that convert into Avios, Etihad Guest, Asia Miles and Singapore Airlines Krisflyer miles at 2 points to 1 mile
• Free lounge access with  membership to the LoungeKey programme, with complimentary access to over 750 airport lounges worldwide just by showing your credit card
• Additional cardholders will receive unlimited airport lounge access for an annual fee of £60.
• Complimentary, unlimited Wi-Fi via iPass with over 50 million Wi-Fi hotspots,
• Receive a £20 Uber promo code every time you purchase airline ticket(s) (value of £500 and above) using your HSBC Premier World Elite Mastercard.
• 10% discount on selected hotels booked with your Premier Credit Card through Expedia and Agoda. Cardholders also benefit from 12 months complimentary Expedia+ Gold Membership.
• 40,000 Reward Points when you spend £12,000 or more on your Card within the first 12 months of card membership.
• A range of benefits applicable to the Mastercards UK Elite cards with exclusive privileges and elite benefits from over 40 global travel and lifestyle brands with VIP Status, Room Upgrades and Car Hire Upgrades, including Mandarin Oriental, Savoy, Raffles, Sofitel, Radisson, Hertz.
• Earn up to 1 point per £1 spent in Sterling. 2 points = 1 airline mile

The HSBC comes with one big advantage, the HSBC Premier World Elite Credit card.  The card offers Avios at a much better rate for Mastercard than other UK Avios cards along with a host of other benefits.

The earning rates are as follows:

• Earn two points for every £1 of eligible spend in sterling currency and earn four points for every £1 of eligible spend in non-sterling and redeem against vouchers for frequent flyer miles. 2 points = 1 Avios

You can also receive points worth an extra 20,000 Avios if you spend a total of £12,000 in your first year.  These only are paid into your account until after your 12 months of membership. Personally, if I was only spending £10-12k a year on credit cards and only really wanted the Avios from the card, I would go for the Premium BA Amex card as a 2-4-1 voucher would potentially save you a lot more than 12,000 Avios. However, the other perks and sign up bonus may make the difference.

The main perk is the Mastercard with a good miles earnings rate but it would only be worth it if you go are likely to need to spend a considerable amount on MasterCard instead of Amex. Most Amex cards offer a better miles earning rate. The lounge access is also valuable if you will use it but not as good as Amex Platinum where you get a free guest on every visit.

Barclays Travel Pack Plus

This is an add-on to an existing Barclays current account and comes with

• Worldwide multi-trip family insurance for you and your family
• UK and European RAC comprehensive breakdown cover
• 6 airport lounge passes
• Airport parking and hotels discounts

The fees are pretty hefty at £15.50 a month with a minimum of a 6 month sign up. If you would use all the benefits this may well just about justify the fee but it will be pretty close. Of course, you could just sign up for 6 months and use all 6 lounge visits before you cancel, making it better value. Free travel insurance often precludes many medical conditions so it is always worth seeing if the insurance is actually suitable for you. You can find more information here .

Out of the 3 accounts, I would probably be tempted to go for the HSBC account due to the lower costs and the additional Avios and the other benefits, but it is a tough criteria for most people to meet.

Do currently hold one of these accounts? Have you found the benefits to outweigh the costs of them? Let me know in the comments or via scoial media?

Disclaimer: Turning Left for less is a journalistic site and does not offer financial advice. Nothing here should be construed as financial advice, and it is your own responsibility to ensure that any product is right for your circumstances. TLFL does not feature all offers, bank accounts, credit cards etc and readers should do their own due diligence. Any credit cards or bank accounts featured are discussed solely in terms of the travel benefits to the reader and should not be construed as financial advice.

Related Topics

News & offers: Free night with Marriott and Etihad changes

• 15 September 2017

Gordon Ramsay’s new Plane Food Heathrow Terminal 5 review

• 17 September 2017

Input your search keywords and press Enter.

• Jump to Accessibility
• Jump to Content

Premier Reward Black - a rewarding experience

Please note: The monthly account fee and overdraft interest rates will increase from 28th June 2024.

On this page

Benefits for when you're at home or abroad

Enjoy worldwide family travel insurance.

Access to over 1,100 international airport lounges with DragonPass Premier+.

24/7 Concierge Service.

UK and European car breakdown cover.

£9 a month back in Rewards on 2 Direct Debits - they need to be at least £4.50 each.

£1 a month back in Rewards when you log in to our mobile app.

Arranged overdraft with £500 interest-free buffer available (subject to status).

£31 monthly fee*.

*The monthly fee will increase to £36 from 28th June 2024.

To upgrade, you need to be an existing NatWest current account customer.

You need to also meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your NatWest account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us.

To apply you must be 18+ and a UK resident.

Overdraft: Representative APR: 11.4% (Variable). Other charges may apply. How does our overdraft compare? A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.

Features and benefits

Rewards openclose, earn rewards.

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

Your Reward balance can grow quickly, they’re easy to earn and they’re easy to exchange!

Exchange Rewards

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.

Travel OpenClose

Worldwide airport lounge access, airport lounge in detail.

To pre-book visit the DragonPass app and follow the on-screen instructions. Not every lounge allows pre-booking and will be subject to availability. £5 pre-booking fee will apply.

• We’ll automatically send you a DragonPass Premier+ membership card when you open or upgrade to a Reward Black account.
• You will need your membership card to gain access to lounges and receive discounts at spas and restaurants. 
• Download the DragonPass Premier+ app from the Apple App and Google Play Store. The app provides full details about your benefits including lounge locations and opening times, and the ability to purchase guest visits and pre-book selected lounges.
• If you have a joint account and are travelling with the other account holder, you will both need to show you membership cards, either the plastic version or through the app, to access lounges and receive discounts.

Learn more and download the DragonPass Premier+ app

Airport lounges are owned and operated independently of DragonPass. Admission is granted subject to capacity and at the discretion of the lounges.

Worldwide travel insurance

Travel insurance in detail.

Family cover includes you and your partner, plus any dependent children aged under 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 nor in a Civil Partnership

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

Aged 70 or over?

If anyone covered by the policy is aged 70 or over, you must contact us each year to obtain cover. You will need to pay an annual premium of £75 per person insured aged 70 or over and be medically screened.

Medical conditions 

If anyone covered by the policy has a medical condition, you may need to pay an additional premium or accept that your cover may exclude certain conditions. 

Please call 0345 601 7188 (Relay UK: 18001 0345 601 7188) or  confirm your premiums and cover online.

Lines are open: 8am-8pm Monday - Friday, 9am-5pm Saturday, 10am-5pm Sunday and 10am-5pm on bank holidays. We are closed Christmas Day, Boxing Day, New Year's Day and Easter Sunday. Calls may be recorded.

If our insurers Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Director y of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed

Already a Reward Black account customer?

Make a travel insurance claim

Using your debit card abroad

Using your debit card abroad detail.

Use your Reward Black debit card for purchases anywhere in the world.

• 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.

Insurance OpenClose

Mobile phone insurance, mobile phone insurance in detail.

What you need to know about our mobile phone insurance cover:

Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time).

There is no cover for phones owned by your employer.

Four approved claims can be made on this policy in any 12-month period.

Claims are settled by replacing or, in certain circumstances, repairing your phone. We'll arrange a repair or replacement asap, so long as you're in the UK. Replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. 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.

Replacement phones include a 12-month warranty. Repaired phones include a 24-month warranty.

What's not covered

• No cover if you deliberately put the phone at risk or left it visible in an unattended vehicle.
• No cover for information or apps stored on the phone.
• No cover for any costs resulting from unauthorised use.

Full details on mobile phone insurance

UK & European car breakdown cover

Uk & european car breakdown cover detail.

What you need to know about UK & European car breakdown cover:

• Roadside Assistance - Anywhere in the UK and Europe;
• At Home - Get help when your vehicle won't start at home;
• National Recovery - If the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice;
• Onward Travel - If your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate;
• Accident Assist - A 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you; and
• All your vehicles are covered - Your policy covers any privately registered vehicle you travel in, anywhere in the UK and Europe. It also covers your vehicle if it is being driven by someone else with your permission.

Things to remember

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.

For more information on the cover including exclusions and limitations, please refer to our  car breakdown cover  page.

Roadside Assistance, At Home and National Recovery:  Provided by Automobile Association Developments Limited (trading as AA Breakdown Services) Onward Travel and Europe:  Underwritten by Acromas Insurance Company Limited Accident Assist:  Underwritten by AA Underwriting Insurance Company Limited

Home Emergency Service

Home emergency service in detail.

Cover for two homes – your main residence and any second you own in the UK (excluding properties you rent out).

To be covered the home must be owned by you and be your permanent, or secondary, private place of residence. Detached garages and outbuildings are not covered. Your home must be in the United Kingdom or the Isle of Wight.

Other exclusions:

• External water supply pipes;
• Boilers over 10 years old, or with an output over 75kw;
• Any emergency if your home has been unoccupied for more than 60 consecutive days
• Detached garages and outbuildings; and
• Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

It's important to remember that this is not a household buildings or contents insurance policy, or an equipment maintenance contract.

If you suffer an Emergency at your Home please call:

Telephone:  0345 601 7188 Relay UK:  18001 0345 601 7188

Lifestyle OpenClose

24/7 black concierge service, concierge service in detail.

Our 24/7 concierge service can help you with things like:

• Getting your hands on hard-to-get tickets.
• Booking a table at a top restaurant anywhere in the world.
• Recommending and securing a special gift for any occasion, even gift-wrapped if you need it.
• Booking an executive car.
• Creating that trip of a lifetime.

How do I contact the concierge team?

Use our  NatWest Premier Black app  or contact us  online , any time, day or night.

Black Ticket Service

Black ticket service in detail.

Order up to six tickets through the booking service for each event, up to four bookings a year.

Enjoy 25% cashback on tickets to the latest concerts and shows.

Use our  NatWest Bank Premier Black app  or  order online , any time, day or night

How do I get my cashback?

You don't need to do anything. It will be paid into your Reward Black account within 30 days of your booking.

Cinema discount

Cinema discount in detail.

Up to 40% of the prices of cinema tickets.

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

Any day, any time, any film.

How to get your discount?

Purchase or redeem your cinema discount codes online with our  NatWest Premier Black app

Buy online through  Membership Services

I already have a Reward Black account

Learn more about our NatWest Premier Black app or find out how to set up and use your account benefits .

Not sure Rewards are for you?

View our  Premier Select account  which has no monthly fee, the same arranged overdraft available with £500 interest-free buffer (subject to status) and all our standard features that help make your banking hassle free.

More features

Mobile banking app, more information.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

Log in with your fingerprint on selected Apple and Android devices  – it’s simple, secure and fast.

Check your balance on the move  – you can also keep track of your Rewards balance.

Easily manage your payments and Direct Debits  – keep an eye on your Direct Debits and remind yourself what you’ll be earning Rewards on. Limits apply.

Register your travel plans  – reduce the chance of your debit card being blocked while you’re abroad. Criteria apply.

More about our Mobile Banking app

Use your account benefits

Discover our black account app.

Access your Black account travel and lifestyle benefits and discounts on the go:

Buy and redeem your cinema discount codes - up to 40% off the price of cinema tickets valid at over 250 UK cinemas

Get tickets for theatre, sport, comedy and more, and get 25% cashback – book up to six tickets for each event using the app (max 4 events per year).

Explore and book your next holiday - including packaged deals, flights, hotels, car parking & attractions

App available to Black account customers registered with Membership Services. “Black account” refers to Black and Premier Reward Black accounts. Available on iOS 11 and Android 6.0 (and above).

More about our NatWest Premier Black app

Overdraft details

How do overdrafts work, how overdrafts work - details.

There are two different types of overdraft:

• An  arranged  overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for here. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.
• An  unarranged  overdraft. This is when you spend more money than you have in your current account  without  already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.

More about Overdrafts

How much will an overdraft cost?

How much does my overdraft cost.

This account offers an Overdraft facility (subject to status). You can check if you're likely to be accepted for an overdraft using our  eligibility tool .

Premier Reward Black customers pay no interest on the first £500 of their arranged overdraft. Looking to understand the costs of an overdraft of more than £500 over different periods of time? Use our cost calculator . 

If you don't pay it back, it could have an impact on your credit score.

How does our overdraft compare?

A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.

Representative Example: Effective Annual Rate 0% EAR on arranged overdrafts up to £500, 19.49% EAR (variable) above £500. Representative 11.4% APR (variable). Assumed credit limit: £1200.

The overdraft interest rates are changing

These changes in detail.

From 28th June 2024, the interest rates for arranged and unarranged overdrafts will go up from 19.49% EAR (variable) to 34.49% EAR (variable). This is due to the increase in costs to provide overdraft facilities to our customers. 

The monthly cap on unarranged overdraft charges for your account is still £18.80.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Now please take a look at the important legal stuff

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Online Banking - not posted. Please take some time to review, print and/or save the important information.

The account fee and overdraft rates are increasing

From 28th June 2024 the Premier Reward Black:

• monthly account fee will increase from £31 to £36,
• interest rates for overdraft rates will increase.

It’s important to review the account to make sure it still meets your needs.

Your Current Account Terms (28 pages)

All kinds of general info about our current accounts. Including details about the Premier Reward Black Account.

Download PDF (162 KB)  

Financial Service Compensation Scheme Sheet (1 page)

Very important information about how your money is protected. Just in case.

Download PDF (105 KB)

Fee Information Document (20 pages)

How much our charges will be. From taking cash out abroad to an unarranged overdraft.

Download PDF (133 KB)

What You Need To Know (2 pages)

Important basic info about the bank. For example, who regulates us and how to complain (hopefully you won't need that bit).

Download PDF (45 KB) Send in the post

Our Lending Commitments (4 pages)

How we promise to treat you, if we lend you money. And what we expect from you in return.

Download PDF (44 KB)

MyRewards Terms (11 pages)

All the detail about the scheme. From how to set it up and how to earn Rewards, to how we’ll keep in touch with you.

Download PDF (79 KB)

Black Account Insurance Product Information Document (12 pages)

Items covered within the Premier Reward Black packaged account fee, e.g. worldwide travel and mobile phone insurance.

Download PDF (194 KB)

Send in the post

Black Account Benefit Terms (126 pages)

These terms are the ‘Black Benefit Terms’ referred to in ‘Your Current Account Terms’ and are part of the agreement between you and us for your Black account. 

Download PDF (524 KB)

Black Account Travel Insurance Terms (67 pages)

This booklet contains everything you need to know about your travel insurance.

Download PDF (801 KB)

Change your account today

Before we begin your application for a Reward Black account, we need to do a few final checks with you. First things first. You can apply if you:

• are aged 18 or over and a UK resident
• already have a NatWest current account

You need to also meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your NatWest account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. 

Compare our current accounts

We're sorry but you must have an existing NatWest current account to upgrade to a Premier Reward Black.

Our Select and Reward accounts are available to new customers. If you still like the look of our Premier Reward Black account you can come back and upgrade later.

Great, let's get started

Just a heads up, you'll need to take a few steps to start your application.  

• If you're already using a device with the NatWest app, select the 'Start application' button below. Using a desktop? Simply  scan  the QR code with your mobile device that has the NatWest app.
• Once logged in, select 'Current Accounts'. 
• Then choose what type of account you would like to open, change or switch to, and follow the instructions within app to start your application. 

Can't scan the QR code?

Log in to Online Banking

• Enter your customer number or 16-digit card number to get started. 
• You'll then need to enter your Online Banking pin and password.
• Once you're logged in, select ' Current accounts ' from the product list. 
• Finally, choose the account you want to apply for and complete your application.

Sign up for Online Banking

You’ll need to sign up for  Online Banking  with us to apply for a current account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Select ‘How to register for Online Banking' to start.  

How to register for Online Banking

Head to ' Register for Online Banking '.

Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.

We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future.  If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen.

We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.

Go to the NatWest website and select ‘Log in’ in the top right-hand corner, have your activation code to hand.

On the log in page, type in your customer number and activation code.

Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.

Done, finished, complete.  Now you can manage your finances anywhere you can get online.

Once you’ve registered, select ‘I am now signed up’ to log in and apply for a Premier Reward Black account. 

Log in to NatWest Online Banking

Forgotten your online banking details.

If you've forgotten your log in details, don't worry, select 'Reset my Online Banking' for further instructions. 

How to download and apply via the app

First, download the app, then:

• On your mobile or tablet, open the camera and point your device at the QR code.
• Follow the link that pops up to download the app.
• Use your details to log in, then select ‘Apply’ at the bottom of the app.

Can't scan the QR code? Available on selected devices.

RBS Premier Black

About this app

Data safety.

Ratings and reviews

• Flag inappropriate

• Show review history

What's new

App support, more by national westminster bank plc.

JavaScript is required to use this site.