Payments & Transfers


Useful information

Payment execution times

Below are the different ways that an RBS Credit Card Bill can be paid, and the time to allow for each payment method. Please bear in mind that working days are Monday to Friday, excluding weekends and bank holidays.


Payment methodTime to allowHow
Direct Debit
  • Minimum / Fixed amount - payment is claimed 25 calendar days from statement date or shortly afterwards.
  • Full amount - payment is claimed 15 calendar days from statement date or shortly afterwards.
  • You can set up a monthly Direct Debit for a minimum, full or fixed amount over the phone or via RBS Credit Card Online Services.
  • To register for RBS Credit Card Online Services simply visit www.rbs.co.uk/cardservices and follow the on-screen instructions.
  • Alternatively call your relevant customer service number on the reverse of your card or statement.
RBS Online Banking
(RBS current account customers only)
  • 2 hours via faster payment.*
  • RBS current account customers can register for Online Banking.
  • If you are already registered log in and go to “Payment - Pay your credit card” section and follow the on-screen instructions.
RBS Telephone Banking
(RBS current account customers only)
  • 2 hours via faster payment.*
  • RBS current account customers can register for telephone banking by calling 0845 722 2346 (Minicom 0845 900 5960).
  • If you are already registered for telephone banking, simply call 0845 724 2424 at anytime to make a payment.
At any branch of RBS over the counter
  • 2 hours for cash payments.*
  • 4 full working days for cheques paid in (funds must be cleared before payment is accepted).
  • Payment can be made by presenting your credit card, your bank giro credit slip or providing you credit card number.
At RBS branches by Single Branch Payment
(RBS current account customers only)
  • 2 hours via faster payment.*
  • Payments can be made from your current account via Chip and Pin once a record has been set up.
  • For assistance is setting up a Single Branch Payment visit the branch with your credit card details.
Payment by debit card over the phone
  • 2 working days for debit card payments
  • Call your relevant customer service number, see below or on the reverse of your card
RBS Credit Card Online Services
  • 2 working days for debit card payments.
At a branch of any other bank (some banks may charge for this)
  • 4 full working days (cash and cheques).
  • If paying by cheque, funds must be cleared before payment is accepted.
  • Complete the attached bank giro credit slip and take it, with your payment and statement, to any bank displaying the Mastercard or Visa logo.
By Post (cheques should be sent to The Royal Bank of Scotland, Milton Keynes, MK77 1SE)
  • 7 full working days.
  • Funds must be cleared before payment is accepted.
  • Cheques should be payable to RBS (please write your card number after RBS on the payee line).
  • Send cheque and completed bank giro credit slip.
  • Cheques shouldn’t be post dated. If payment is received using a post dated cheque we accept no responsibility for loss of interest or charges incurred.
Other Banks’ Online and Telephone Banking Services
  • 2 hours for faster payments.
  • 3 full working days for other payments.
  • Please quote your credit card number and sort code (both found on bank giro credit slip).
  • If a bank account number is requested, please quote 00000000.
  • Please note you cannot use these details for a Chaps payment.

*Faster Payments / Cash paid in at RBS branches.
The Faster Payments service allows participating banks to provide same day processing of electronic payments such as funds transfer, bill payments and standing orders. This means that payments to your RBS credit card made on the Internet, by telephone or in any branch of RBS by Cash or Single Branch Payment will usually be applied to your available funds within 2 hours regardless of when the request is received. Payments may take longer to appear on your account (generally within 2 days) but will be back dated to the date the payment is made.

Money/ Balance Transfers

Balance and Money transfers take *4 working days to complete. We will also look to refund **2 days interest to your account, this is to compensate you for interest charges you may incur from your current provider for the delayed transfer.

*The funds will be with the receiving bank/ institution on day 4. They may delay credit due to further checks.

**The interest refund is calculated at an estimated competitor annual rate of 29.9%.