Premium bank accounts are a level up from packaged accounts, but are not quite as exclusive as private banking when it comes to what they offer. If you want a few extras, such as access to a personal banking team, concierge services, and special rates for mortgages, loans and savings, along with insurance, you could consider a premium account.
Some charge no monthly fee, but there is a catch: you will usually need a minimum annual income of £75,000, or a substantial minimum balance or amount saved or invested with the bank to apply. You may also need to have another product with the bank such as life insurance.