Why bank online?

Easy to register, free and you get all of these great benefits:

• Save time – check up-to-the-minute balances and mini statements
• Stay in control – check your limits and keep track of your spending 24/7
• Transfer money – move money instantly between your RBS accounts
• Stay organised – pay bills, make payments, transfer money to other UK and international accounts (charges apply, exchange rates may vary)
• Stay informed – with a range of alerts sent to your mobile or email inbox
• Peace of mind – our advanced security systems provide added protection for your money. You can also download Rapport, our free security software, which goes further than traditional online security
• Make life easier – forget the paperwork. With online statements you have quick and easy access to up to seven years worth of account history – and order paper copies if you need them
• We're here to help – just give our friendly UK-based staff a call whenever you need to. They're available 24 hours a day, 7 days a week.

There’s so much Digital Banking can do for you.

Balances

• View up to the minute balances – keeping you on top of your finances

Online statements and transactions

• View and search your transactions and statements going back up to seven years
• Search through your recent statements by transaction type, date, description or amount
• View and search by a fixed period (such as last month) or, for transactions, by a date range you choose
• View four months of credit card statements

Start or stop receiving bank statements by post

• Stop receiving your bank statements on paper
• We'll send you an email to let you know your statement is ready
• If you're paperless you can order paper copies of up to three months' statements – twice in any 12 month period for free
• You can start receiving paper statements again whenever you want

Download transactions

• Download your transactions for use in software such as Quicken, Microsoft Money and Excel

Sign up for Alerts

Get account information by text or email

• Activity Alerts – confirm when certain transactions have happened on your account. These are sent automatically if we have your mobile number.
• Act Now Alerts – help you minimise or even avoid overdraft and returned item fees
• Balance Alerts – get a weekly text with your updated balance

View information about interest and charges

• View Certificates of Interest – check the interest you've earned and how much tax has been deducted – great when you're filling in your tax return
• See what interest and charges will be applied to your account – even if you get this information already by post

Transfer money between your RBS accounts

• Transfer right now or on a date in the future
• View, amend or cancel a scheduled transfer
• View a list of recent transfers

Pay money to another person, bank account or pay a bill

• Make a payment as and when it suits you
• View, amend, delete or add a payee
• View a list of recent payments
• Make payments to UK bank accounts
• Make payments to international bank accounts - (charges apply, exchange rates may vary)
• Pay your RBS credit card

UK bank account payments within the Faster Payments limit will be received by the payee almost immediately after leaving your account, but could take up to two hours.

Standing Orders (regular payments from your bank account)
- Arrange to make a series of payments at regular intervals from your bank account.

• Create a new standing order
• View, amend or cancel an existing standing order

Direct Debits (regular payments from your bank account)
- Give a business or other organisation permission to take money from your bank account at agreed intervals (such as a phone bill).

• View or cancel existing Direct Debits

Added security with a Card-Reader
- When you bank online you may be asked to use a Card Reader to:

• Set up or change a single or regular payment instruction
• Make a payment for the first time online using a payment instruction that you set up separately from Digital Banking

Easy to log in

• Set Digital banking to remember your Customer Number. Ideal if you don’t share your computer with anyone else

Order stationery and card readers

• Order cheque books, paying-in books and card-readers

Activate debit card

• Activate a new debit card so you can begin using it

Amend personal details

• Change email address
• Change mobile phone number

Change settings

• Change the names used to describe your accounts online.
• Change your Security Number and password

• Apply for many other products while you're banking online including credit cards, overdrafts and loans. Because we already know your details, the applications are very quick and easy
• Access exclusive online products – such as Direct Saver

Register for additional services

• Register for our mobile phone banking service - you can receive text alerts about your account and manage your money from your mobile, if you're an iPhone user you can also transfer funds between your RBS accounts
• Register for our Bill Management Service - view and manage your bills online and receive e-mail alerts when bills are due for payment

Make no mistake - we take your security very seriously indeed. In fact, we've invested in a host of measures that help protect you and your money. Find out about some of the steps we're taking to keep you safe.

Card-Reader

The secure and simple way to get more from Digital Banking.

Traditional online security relies on something you know - such as a PIN or password. Criminals are increasingly trying to steal these details, using techniques such as phishing attacks.

A Card-Reader helps to stop these criminals in their tracks.

It works by relying not just on something you know, but something you actually possess - your debit card. It generates a unique code every time it's used, which you enter online using your computer keyboard.

This makes it very difficult for a criminal to steal money from your account.

Trusteer Rapport

Smart protection when you bank online.

We’ve worked with the experts at Trusteer to help make online banking much safer – thanks to a free piece of software called Rapport.

Rapport works by helping to make sure you really are connected to your bank. This protects your valuable personal information – without slowing down your PC like some security software.

It works alongside your anti-virus software and firewall – helping to give you as much protection as possible.

Online and mobile security promise

Our priority is making your online and mobile banking experience as safe and secure as possible – that’s why we’ve introduced our online banking security promise.

This is our commitment to you in the event of fraud and gives clear guidance on what you need to do to protect yourself.

Fraud detection systems

We're always on the guard against fraud - which is why we might contact you if we spot a suspicious transaction on your account.

So what's 'suspicious'? Although we can't share all of our checklists with you, we generally look out for unusual patterns. That could mean transactions which are higher than the average on your account, or spending in countries which have been linked to fraud in the past.

Log in security

Although we ask for your entire Customer Number, we only ask for a random portion of your Security Number and password. If a fraudster was able to record or see the responses you enter, they would still find it difficult to gain unauthorised access to your account.

Auto log-off

When you log in to our online services, the system will constantly monitor what you do - and log you off if it senses you're inactive. This helps you stay protected if other people can access your computer.

Temporarily disabling your online account

If a fraudster has some - but not all - of your security details, they may try to guess the rest. That's why we will temporarily disable your account if someone makes too many failed attempts to log in.

But don't worry if you've simply forgotten some of your security details. Simply follow the instructions on screen to regain access to your account.

Extended validation certificates - 'traffic lights'

Do you use Internet Explorer 7 (or above) or Firefox 3?
When you successfully log in to our online banking service, the address bar (which starts with 'https://') will turn green. It's an extra way of helping you check that a website is safe, secure and trustworthy.

The Internet Explorer pages on extended validation certificates are a useful source for more information.

Criminals often seek to exploit security gaps in older browsers, it pays to make sure you have the latest version.

• Internet Explorer
• Firefox
• Safari
• Google Chrome
• Opera

Please note we do not support pre release versions of browser such as - release candidate, beta or alpha/development versions.

We’ve made sure online banking works with a wide range of PCs and Macs. So the chances are you're ready to start banking online.

You can even use online banking on many portable devices, like iPhones.

Online banking with RBS is quick and easy - so sign up now and you could be managing your money online just a few minutes from now.

To sign up you need to be aged 11 or over and have an RBS current account, credit card, savings account or loan.

We'll give you a Customer Number. Keep this safe as you need it every time you log in.

If you enter your Debit Card details when you sign up, you could receive instant access to your accounts, which means you can check up to the minute balances and transactions and transfer money between your RBS accounts.

If you don’t have a Debit Card, we’ll send you an Activation Code by post or text message. You’ll need this to access the full Digital Banking service.

If you need help to complete your application form, or you'd like it in Large Print or Braille, please call our helpdesk on 0845 722 2345. Minicom 0800 404 6160.

Max call charge from a BT landline is 4p per minute. Calls from other networks may vary. Lines open 24 hours a day, 7 days a week. Calls may be recorded.