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Current account switch
Switch to Royal Bank today
Why switch to Royal Bank?
Are you looking to switch current accounts? It only takes a few days to switch banks to us. You could get a whole host of perks that come with a Royal Bank current account.
Range of Savings
Discover the benefits of setting up a savings account with our Digital Regular Saver.
Explore our range of savings accounts available to Royal Bank customers.
Eligibility criteria and conditions apply.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
What happens when you switch?
Step 1
We will get in touch with your bank to start the switch. You’ll be kept up to date throughout.
Step 2
Your old account will be closed. All funds, and any payments will be moved to your new Royal Bank account.
Information Message
- This service is only available to switch Current Accounts. Any other products you have with your old bank won't be moved at the same time.
- Over 40 UK banks and building societies have signed-up to the Current Account Switch Service. You can check if your existing bank provider is a participant here.
- If your old bank is not part of the Current Account Switch Service, find out what you can do on our ways to switch support page.
- You won't be eligible for our switching incentives if your old bank isn't part of the Current Account Switch Service.
- Direct Debits and Standing Orders won’t appear on your account until the first payment has been taken.
Get started on your switch
Whether you are a new or existing current account customer, you can still switch into to us. T&Cs apply.
Choose a bank account
Thinking about switching into a new account with us? Simply choose an eligible account below and follow the instructions to start your application. You'll be able to request the switch during your application.
Everyday bank account
Our 5 star rated day-to-day bank account
- Access to our most popular, award-winning account.
- Free of monthly fees.
- Quick to set up and easy to use.
Information Message
Must be 18+ and a UK resident to apply.
Reward bank account
Earn up to £5 a month back in Rewards
- Get rewarded for everyday banking.
- Earn Rewards for spending with our partners.
- All this for only £2 a month.
Information Message
Must be 18+, UK resident, and pay in £1,250 to an eligible NatWest account every month. T&Cs apply. To earn £5 a month back in rewards, you earn £4 in rewards a month back for 2 Direct Debits (at least £2 each) and an additional £1 a month back in rewards with one mobile app log in.
Premier accounts
Bringing ambitions to life
- One-to-one support for more complex financial decisions.
- You'll also have a team of experts available online or on the phone to support you when and where you need it.
- Minimum income, borrowings or savings required.
Information Message
Must be 18+ and a UK resident to apply. Premier Banking criteria applies.
Already have an account with us that you want to switch into?
If you already have a Royal Bank Select, Reward, Reward Silver, Reward Platinum, Premier Select, Premier Reward, Premier Reward Black account or Foundation account with us, and have the details of the account elsewhere that you want to switch in, then you can start your switch straight away.
Frequently asked switching questions
You can use the service to switch your current account from and to any of the participating banks and building societies. Joint accounts can be switched, as long as both parties agree to the switch and you are switching to another joint account. It is not possible to use the service to switch a joint account to a sole account.
We cannot switch savings accounts. Any other products you have with your old bank will not be moved at the same time. If you have an ISA with another provider you can transfer it to Royal Bank using our transfer process here.
We will automatically redirect all incoming and outgoing payments to your new account. Each time a payment is redirected, an automatic message is sent back to the originator advising them of your new account details so they can update their records. Some organisations may contact you directly to confirm your details have changed. If you do not want your new details to be given to someone who sends a one-off payment, then please let us know.
Your old account will still be active and usable right up to and including Day 6. So, you can still pay with your card, and use online banking and mobile banking.
Just remember not to set up any new payments on your old account, as we can’t transfer new payments across.
You can cancel your switch up to 7 working days before your switch date. If you do want to cancel, let us know and we will guide you through this process.
You will need to agree any overdraft facilities you require with us. We may be able to provide facilities to help you pay off any existing overdraft you may have, subject to our normal lending criteria. If you do not come to an agreement with us you must make separate arrangements to repay your existing overdraft.
If you complete a full switch with the Current Account Switch Service, your old bank will close your old account. This ensures that any payments made to your old account are automatically redirected to your new account with us.
Any Direct Debits should automatically move across to your new provider after switching bank accounts. This is part of the Current Account Switch Service and is designed to save you time and hassle. Standing orders should also transfer across automatically.
Direct Debits and Standing Orders won’t appear on your account until the first payment has been taken. If you want to check your Direct Debits or Standing Orders have successfully transferred over, you can chat to Cora our digital assistant, who will be able to help you check.
If you would like to keep your old account open then you are free to do so, but you won’t be able to request a full switch through the Current Account Switch Service with us, and you will not be covered by the Guarantee. Speak to your existing bank and they can help explain your options.
No, you’ll need to cancel and re-authorise these with your new account details. You would need to contact the third party providers directly to discuss setting up payments with us. If your old account is still open, your bank will be able to tell you which third parties you’ve given permission to make payments on your behalf, and/or access your financial data.
Not all Third Party Providers services are supported by all banks and building societies, so there’s a chance that the Third Party Providers on your old account may not be able to access your new account. Please check our terms and conditions for more information about Third Party Providers.
You will need to make sure your details are up to date with your old bank, for example, if you have moved house and not informed your old bank of your new address.
You will also need to declare all existing parties on your account and have details of any active debit cards held with your bank.
Over 40 UK banks and building societies have signed-up to the Current Account Switch Service. You can check if your existing bank provider is a participant here.
If your old bank has not signed up to the service, you won't be able to switch your account to us in the usual way, you can however move your payments such as your Direct Debits and Standing Orders manually. Check out our ways to switch support page for more information on what you can do.
Just to let you know, you won't be eligible for our switch incentives if your old bank isn't part of the Current Account Switch Service.