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Premium bank accounts

See a list of the best VIP banking accounts

Updated: 01.11.2025

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Barclays Bank

Barclays Bank

Premier Current Account

You’ll need to have a current account with us and either pay in a gross annual income of at least £75,000 – or have a total balance of at least £100,000 in savings with us, in eligible investments, or a mix of both

HSBC Bank

HSBC Bank

HSBC Premier Account

HSBC Premier is available to you if you meet ONE of the following eligibility criteria

Have an individual annual income of at least £75,000 and 1 of the following with HSBC UK: a mortgage, an investment, life insurance or a protection product.

Have savings or investments of at least £50,000 with HSBC UK (within 6 months of opening your account if you're new to HSBC, or before you open your account if you're an existing customer).

National Westminster Bank (NatWest)

NatWest Bank

Premier Reward Account

To apply, you need to be 18+ and a UK resident and meet ONE of the following:

A minimum £100k sole income or £120k joint income paid into a NatWest account.

Have £500k minimum mortgage borrowing with us.

A minimum £100k savings or investments held with us.

Royal Bank of Scotland

Royal Bank of Scotland

Premier Bank Account

To be eligible for a Premier account, you must be aged 18 or over and a UK resident with a sole income of at least £100k or a joint income of £120k paid into a Royal Bank account, or have minimum outstanding mortgage borrowings with us of £500k, or savings or investments of at least £100k held with us.

Author: Prostobank Consulting

More about premium bank accounts

What is a premium bank account in the UK?

A premium bank account is a type of checking account that offers several advanced features and benefits compared to a regular bank account. However, very often these benefits come with a monthly fee. Such VIP accounts can be characterized as accounts with a higher level of customer service, with exclusive offers, additional amenities, and a higher price.

To better understand the essence of premium bank accounts, let's take a closer look at their important characteristics:

  1. Advanced banking services. Customers of such accounts have higher daily limits for various transactions, access to special customer service lines
  2. Travel Benefits. When traveling, owners of VIP accounts have access to the airport lounge anywhere, they are provided with comprehensive travel insurance
  3. Mobile phone insurance and protection, extended warranty protection for certain purchases
  4. Lifestyle benefits. If you open a premium account, you can get a variety of discounts on dining, entertainment, and shopping
  5. Financial benefits. Owners of such accounts can take out loans at preferential rates, open savings accounts at higher interest rates, receive discounts on international transactions, etc.
  6. Exclusive offers. Another advantage of VIP accounts is the possibility of receiving high cashback for purchases, as well as access to exclusive events and experiences.

As we can see, the list of benefits, opportunities, and incentives for owners of personal banking is quite large and diverse. Therefore, when choosing such an account, pay attention to the list of benefits, as well as the account maintenance fee.

You can also place free funds on a savings account.

Calculate your future income on a savings account (example): 

Amount, $ Rate, % Accrued %, $
30,000 4.45% 1,335
30,000 4.50% 1,350
30,000 4.55% 1,365
80,000 4.95% 3,960
80,000 5.00% 4,000
80,000 5.05% 4,040
190,000 5.45% 10,355
190,000 5.50% 10,450
190,000 5.55% 10,545
340,000 5.95% 20,230
340,000 6.00% 20,400
340,000 6.05% 20,570

How much do VIP accounts cost?

VIP accounts can refer to premium or exclusive accounts offered by various services, including banking, online gaming, or streaming platforms. The cost of these accounts can vary significantly based on the service or platform.

See the similar FAQ about the UK banks: 

Details of companies offering the financial services:

Barclays Bank

Head office’s address: 1 Churchill Place, London E14 5HP

Contact center: 0800-400-100

Phone: +44 (034) 5734 53 45

Web-site: http://www.barclays.co.uk/

Swift code: BARCGB33

Reference number: 122702

Stock code: BARC

ABN: 01026167

BSB: BARC

HSBC Bank

Head office’s address: Unit 8, Canada Square, Retail, London E14 5AH

Phone: +44 345 740 4404

Web-site: https://www.hsbc.co.uk/

Swift code: HBUKGB4B

Reference number: 114216

Stock code: HSBA

ABN: 00014259

BSB: HBUK

NatWest Bank

Head office’s address: 250 Bishopsgate, London, EC2M 4AA

Contact center: 0800-88-11-77

Phone: +44 345 788 8444

Web-site: https://www.natwest.com/

Swift code: NWBKGB2

Reference number: 121878

Stock code: GBP1

ABN: 00929027

BSB: NWBK

Royal Bank of Scotland

Head office’s address: 36 St Andrew Square, Edinburgh, EH2 2YB

Contact center: 0345-600-2230

Phone: +44 (070) 3597-88-42

Web-site: https://www.rbs.co.uk/

Swift code: ROYCGB2LCLS

Stock code: NWG

ABN: BR000548

BSB: ROYC