Purpose: – The purpose of this paper is to present a new numerical model based on a combined finite-discrete element method, capable of predicting the behaviour of reinforced concrete structures under dynamic load up to failure. Design/methodology/approach: – An embedded model of reinforcing bars is implemented in combined finite-discrete element code. Cracking of the structure was enabled by a combined single and smeared crack model. The model for reinforcing bars was based on an approximation of the experimental curves for the bar strain in the crack. The developed numerical model includes interaction effects between reinforcement and concrete and cyclic behaviour of concrete and steel during dynamic loading. Findings: – The findings provide a realistic description of cracking in the concrete structure, where all non-linear effects are realized in joint elements of the concrete and reinforcing bars. This leads to a robust and precise model for non-linear analysis of reinforced concrete structures under dynamic load. Originality/value: – This paper presents new robust finite-discrete element numerical model for analysis and prediction of the collapse of reinforced concrete structures. The model is capable of including the effects of dynamic loading on the structures, both in the linear-elastic range, as well as in the non-linear range including crack initiation and propagation, energy dissipation due to non-linear effects, inertial effects due to motion, contact impact, and the state of rest, which is a consequence of energy dissipation in the system.