Holt's Military Banking

Open a Holt's Select account

To apply, you need to be 18+, a UK resident and either be serving, or a veteran of the armed forces, a family member/spouse of military personnel, or a member of the FCDO. As a Holt's customer, you'll have access to selected financial products and services provided by Royal Bank of Scotland.

On this page:

About this account

Mobile app features

Overdrafts

Switch to Holt's

Help & Support

Ready to apply

An everyday bank account for life in the Armed Forces

Get the help you need with our expert Military Banking team.

Use your account with the easy-to-use Royal Bank app.

Choose your way to pay with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.

Arranged overdraft available (subject to eligibility).

No monthly fee.

Useful features in the app

Insights, tips and tools just for you

Explore the ‘Insights’ area of our app to find ways to spend less and save more. You could also discover new ideas and tools to boost your financial wellbeing. Eligibility criteria may apply.

Payments Hub

Our new Payments Hub brings payments to the front and centre of our app. Send, request and manage your money all at the tap of a button. Eligibility criteria and limits apply.

Learn more about Payments Hub

Round Ups

Watch the pennies add up with Round Ups. Round up your spending to the nearest pound, sending your change to your savings account. Eligibility criteria and conditions apply.

Learn more about Round Ups

Credit Score

Check your free credit score in the app today, so you know where you stand. Credit score is available once you opt in and provided by TransUnion. Eligibility criteria apply.

Learn more about Credit Score

Spending Tab

Our Spending tracker sorts your everyday purchases into categories, making it easier to budget and keep track of your spend. Eligibility criteria apply.

Learn more about Spending

Managing your account

We’re here for you throughout every stage of your career in the forces and beyond. Find out how we could help wherever you are based.

Our app is available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking is available to customers aged 11+ with a Royal Bank of Scotland account.

Royal Bank app

The quick and easy way to keep on top of your finances, check your balance and make regular payments any time, day or night.

More about the app

Digital Banking

Do your everyday banking from the comfort of your sofa. It's there when it suits you 24/7 and you'll never need to wait in a queue.

Contact us

Our military banking experts are just an email away or you can contact our 24 hour phone banking service.

How to contact us

You may also be able to add an overdraft to your account

Overdrafts

Overdrafts OpenClose

Understanding overdrafts

An arranged overdraft can be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

How overdrafts work

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?

Understand the cost and impact of overdrafts and whether you're eligible to apply for one. If you don't repay what is owed, you could harm your credit score and borrowing capability.

Details of overdraft costs Close

How much does my overdraft cost in pounds and pence?

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

As an example, the interest cost of using a £500 arranged overdraft is:

Time Period	7 days	30 days	60 days
Interest Cost	£3.24	£13.87	£28.13

This is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.

Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our handy cost calculator.

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

Representative Example: Effective Annual Rate: 39.49% EAR (variable). Representative APR: 39.49% APR (variable). Assumed credit limit: £1,200.

Switch to Holt's

You must have an existing Holt's bank account to switch your bank account held elsewhere to us.

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your Holt's bank 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't 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.

By clicking 'Switch now' below, you'll be directed to the Royal Bank switching page. To get started on your switch, you'll need to select 'Yes, I have a Royal Bank current account'. As a Holt's customer, your products and services are provided by Royal Bank of Scotland.

Current Account Switch Guarantee (PDF, 39KB)

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

Switch now

How to open a Holt's account

Proof of ID

During your application we’ll ask you for information such as your photo ID, address and your rank.

If you are unable to provide these, you may be able to provide a letter of introduction signed off from your commanding officer.

New to UK?

At Holt's, we understand the challenges of opening a bank account if you're new to the UK. We can support you during your application.

We'll check your details

We'll check we have everything we need to open your account.

Start using your new account

Once your new account is open, you can register for Digital Banking, download the Royal Bank app and enjoy hassle free banking.

Get ready to apply

Before you apply, we need to check you're happy with a few things.

First things first. You can apply if you are:

aged 18+, a UK resident plus one of the below
serving, or a veteran of the armed forces,
a family member or spouse of military personnel,
member of the Foreign Commonwealth & Development Office (FCDO).

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. It also means you're happy to view your statements in Digital Banking - not posted. Please take some time to review, print and/or save the important information.

Your Current Account Terms (28 pages)

Financial Service Compensation Scheme Sheet (1 page)

Fee Information Document (20 pages)

What You Need To Know (2 pages)

Our Lending Commitments (4 pages)

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.

As part of the checks that we will complete to verify your identity, we’ll take an image of your face so that it can be compared with your photo ID and this biometric data is captured.

All okay, apply for a bank account online today.

To become a Holt's customer, you'll first need to open a Select account with us. Following this, you’ll then be able to apply for selected Holt's and Royal Bank of Scotland products and services.

Continue

Do we already know you?

If you have a current account, credit card, loan or savings account with Holt's, please let us know.

I'm a completely new customer to Holt's

I'm an existing customer to Holt's

You're all set

Your application will be completely online, and you won't need to post us any information or visit a branch.

If you need help with completing this application, you can email us. In your email, please let us know your name, rank, contact number and enquiry. A member of our Holt’s team will then be in touch to support.

Start your application

What would you like to do today?

Open a joint Select account

Change my existing Holt's account to another account

Switch a current account held elsewhere to my existing Holt's current account

Here's what to do next

We’ve made a few changes to how we open joint bank accounts.

As a summary:

You create a joint account by adding the second applicant to an existing account.
You can either add the second applicant to an existing account, or if you’d like a completely new account, one of you can open a new account and then add the second applicant once it’s open.

The button below takes you to a dedicated page explaining exactly what you need to open your account.

Joint accounts opening

You're all set

As a Holt's customer you'll have access to financial products and services provided by Royal Bank of Scotland.

View our full range of accounts

Switch your account

By clicking 'Switch my account' below, you'll be directed to the Royal Bank switching page. To get started on your switch, you'll need to select 'Yes, I have a Royal Bank current account'. As a Holt's customer, your products and services are provided by Royal Bank of Scotland.

You’ll need these bits of info handy for your application:

The account number, sort code and debit card number of the bank account you want to switch to Holt's.
The account number and sort code of your existing Holt's current account.

The Current Account Switch Service will move everything across from your old bank account to your Holt's current account within 7 working days.

Switch my account