RBS Royalties

Transfers assistance is provided. Upon receipt of the customer's signiture, RBS will arrange the rest.
They will set up all Direct Debits and standing orders, arrange the transfer of any salary/pension payments and close the existing bank account after regular payments have been confirmed and set up.
They will also ensure the transfer is completed at no inconvenience to the customer.

Additional benefits are:

Banking
Discounts on rates for overdrafts, credit cards, mortgages and Personal Loans (except online loans)
0.25% extra interest on our Instant Access Savings Account
Inclusive protection against loss or theft of any registered debit or credit card with one phone call
Inclusive £10,000 Accidental Death Insurance


Travel
10% discount on selected holidays and flights
10% off UK & European Holiday Cottages
Commission-free travel money


Home & Car
25% discount off our home insurance in the first year
Complimentary comprehensive Green Flag breakdown cover when the customer takes out Royalties motor insurance.

Entertainment
25% discount at more than 450 UK restaurants
Discounted days out at top UK attractions & activities

0.25% extra interest on our Instant Access Savings Account.
Discounts on rates for overdrafts, credit cards, mortgages, and personal loans (except online loans).

25% discount at more than 450 UK restaurants.
Discounted days out at top UK attractions & activities.
10% discount on selected holidays and flights.
10% off UK & European holiday cottages, hotels, flights, ferries and car hire when booked through Royalties Membership Services.

Digital Banking provides internet banking with the convenience to:
- manage money online 24 hours a day, 365 days a year;
- check up to date balance on most accounts and Royal Bank credit cards;
- transfer money, pay bills, set up standing orders;
- transfer money instantly from Royal Bank savings accounts to Royal Bank current accounts;
- keep a record of finances - view and print statements up to 6 months old;
- transfer money to a friend's or family member's bank account, anywhere in the UK;
- save time paying essential bills without the need to call into the bank or post office;
- set up a standing order online to make regular transfers to whomever the customer wants;
- see the details of all the standing orders and Direct Debits on the account and even cancel them online;
- quickly and securely order new cheque books and pay-in books online;
- telephone and e-mail support available from 8am to midnight, 7 days a week.

Direct Banking allows the customer access to their Royal Bank account by telephone, 24 hours a day, 365 days a year. Most everyday transactions can be carried out over the phone and only people the customer authorises can access their accounts. The key benefits are:
- get up-to-the minute information of balances;
- pay routine bills like gas, electricity and regular suppliers;
- transfer funds between accounts and any other UK bank account;
- set-up, amend and cancel standing orders;
- review and cancel direct debits;
- stop a cheque;
- notify of any change of address;
- request a full or mini statement;
- order a cheque book or pay in book;
- report lost or stolen cards.

The annual authorised overdraft rate is tiers as follows:-

Up to £1,000  18.25% EAR
£1,000 - £4,999   17.85% EAR
£5,000 +   16.25% EAR

18.20% is the typical authorised EAR.

  Gross Rate   Gross Rate   AER
  Excluding Bonus Including Bonus
£1  0.15%   0.15%   0.15%

Unarranged borrowing charge - items referred prior to payment (Referral Fees) is £30 per item (max £90 per month).

A fee of £35 will be charged for misuse of cheque guarantee card/Maestro card. Payable where the Bank is forced to pay an item which has been supported by cheque guarantee or Maestro although there are insufficient funds in the account.

The charge for a Default Notice is £30 each.

Charge for Court orders/Legal processes served on the Bank, brought on by a third part against a customer - £25 minimum.