Royal Bank of Scotland Select account

Type of Account
Typical Interest Rate
Overdraft Facility
Debit Cards
Bank Account Fees
Basic Bank Account
0% AER
0% per annum up to £100
Debit Card
Free banking

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Select Bank Account - General Information

The Royal Bank of Scotland Select Bank Account is available to anyone over 18 years and want an interest paying current account with is free to use. As there are no day to day banking charges or subscriptions it becomes straight forward to access your money .

Royal Bank of Scotland Select Current account is ideal if you are looking for an overdraft facility with no arrangement fees, where no interest is charged on £100 once agreed, plus you can get up to £15k if you need.

Some of the benefits you get with Royal Bank of Scotland are a free visa debit card to help you manage your money which is free to use at any RBS branch. Note there is a £1.25 charge if you do a transaction abroad.

With the RBS Select Current Account you can earn a minimum of 1% of your spend at participating retailers with cashback plus.

The Royal Bank of Scotland have over 1650 branches in the UK and you can manage your money by internet banking, telephone banking, at any Royal Bank of Scotland branch or by Mobile Banking.

The Select Current Bank Account offers no monthly operating costs with easy access to your money plus you can save on your mortgage if you use your balance to save money with their offset service.

  • Overdraft (subject to eligibility) - extra breathing space for your finances. Over 18s only.
  • Fraud alerts, they identify unusual activity on your account.
  • Standing orders and Direct Debits – and a cheque book, making it easy for you to pay your bills.
  • Monthly statements – check them online or receive a paper copy.

Royal Bank of Scotland Select Bank Account - Banking Fees or Charges

Type of Account: Basic Current Account

Account Fee FREE
Transaction Charge UK FREE
Transaction Charge Abroad £1.25
ATM Charge Abroad £2.00%
Overdraft and Default Payments
Overdraft Fee 19.24%
Unpaid Item £5.00
Overdrawn Mainanence Chrg £20.00
Paid Referral Fee £15.00
Management Fee Option £10.00


Representative Example: Up to £100 at 0% Interest p.a (variable). £101 + at 19.24% interest p.a (variable). Subject to Status and Application.


Royal Bank of Scotland Select Bank Account - Apply Online

You have chosen to apply for a Royal Bank of Scotland Select Current Account. Please ensure you meet the following points as this will make your application more likely to be approved.

1. Please Ensure That:

You are at least 18 Years of Age
You are a permanent resident/citizen of the UK
Have ready financial information
Your address and contact details
Free Bank Account -No Monthly Fees

2. Proceed With Your Application

RBS Application process takes approx 10 minutes to complete. These points are simply a guide to the minimum acceptance criteria for The Royal Bank of Scotland. Please ensure you read The Royal Bank of Scotland copies of the fees and interest rates and terms and conditions that apply to Royal Bank of Scotland personal accounts. If your application has been agreed in principle, you will receive your application pack within the next few days.


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