This paper presents a new simple and efficient two-dimensional frame finite element (FE) able to accurately estimate the load-carrying capacity of reinforced concrete (RC) beams flexurally strengthened with externally bonded fibre reinforced polymer (FRP) strips and plates. The proposed FE, denoted as FRP–FB-beam, considers distributed plasticity with layer-discretization of the cross-sections in the context of a force-based (FB) formulation. The FRP–FB-beam element is able to model collapse due to concrete crushing, reinforcing steel yielding, FRP rupture and FRP debonding. The FRP–FB-beam is used to predict the load-carrying capacity and the applied load-midspan deflection response of RC beams subjected to three- and four-point bending loading. Numerical simulations and experimental measurements are compared based on numerous tests available in the literature and published by different authors. The numerically simulated responses agree remarkably well with the corresponding experimental results. The major features of this frame FE are its simplicity, computational efficiency and weak requirements in terms of FE mesh refinement. These useful features are obtained together with accuracy in the response simulation comparable to more complex, advanced and computationally expensive FEs. Thus, the FRP–FB-beam is suitable for efficient and accurate modelling and analysis of flexural strengthening of RC frame structures with externally bonded FRP sheets/plates and for practical use in design-oriented parametric studies.