Holt's Military Banking

Products and services designed around your life in the Armed Forces

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Discover Holt's

Products and Services

Help and support

We're here to help you throughout your military career

Holt's is a very different type of bank. Our service is designed just for people like you - serving members of the armed forces, your families and our Veterans. As a Holt's customer you'll have access to financial products and services provided by Royal Bank of Scotland.

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Open a bank account

The military will only pay your salary into a UK bank account. At Holt's, you'll get more than just a bank account. True specialists in military banking, we're set up with your needs in mind.

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What are the benefits?

With a Holt's bank account you'll benefit from:

Our expert military banking team on hand - available over the phone plus we regularly visit training locations across the UK.

Easy to-use Royal Bank mobile banking app. Criteria applies.

Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.

Arranged overdraft available (subject to eligibility)

To apply you'll need to be aged 18 or over and a UK resident. If you are under 18, please contact us to find out how we could help you.

Find out more and apply

Using your account

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

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Wherever you serve, we serve

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.
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.
Talk to us - Our military banking experts are just a phone call away, during regular banking hours. Out of hours, you'll have our 24 hour phone banking service.

Our app 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.

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Ways to borrow

We have a range of options to help you with your borrowing needs or you can call us to discuss your needs with one of our team.

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If you have specific borrowing needs please contact our Holt's team to see how we can help.

Eligibility criteria applies. Over 18s only.

Armed Forces Terminal Grant Lending Scheme

For SNCO and above of a pensionable age, you’ll have access to the Armed Forces Terminal Grant Lending Scheme.

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How it works

This lending scheme allows us to lend you up to 50% of your lump sum early. You will have full access to this amount, and we review the scheme every three years up until you leave the Armed Forces.

When you leave and receive the lump sum, we simply transfer to amount to pay the scheme off.

Specific eligibility criteria applies.

Learn more about The Armed Forces Terminal Grant Lending Scheme

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Savings accounts

We're here to help you save. Whether you’re putting something away for a new car or a rainy day. Find one that’s right for you.

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We offer a variety of savings accounts which could give you instant access or reward you for leaving your savings untouched. Eligibility criteria applies.

Compare our range of savings accounts

If you have specific savings needs please contact our Holt's team to see how we can help.

Investing

Investing over the longer term could help your money reach its potential. Find out if investing is right for you.

More about investing Close

Royal Bank Invest is a simple way to get started, invest online and Coutts investment managers will do the hard work for you.

Explore Royal Bank Invest

The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.

Take a closer look at your finances

If you already bank with us. A free Financial Health Check with one of our Relationship Managers is a great way to regularly review your finances and help maintain your financial health.

Get in touch

Financial services compensation scheme

Your eligible deposits with Holt’s and thus, the Royal Bank of Scotland are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme.

More about the scheme and how it protects your money