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Why bank online?


Great reasons to start banking online today


Manage your money when it suits you, using our safe and secure service.

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Ready to bank online?

Our great service is quick, easy and safe. And it’s just as easy to get started.




Not yet registered for Digital Banking?



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 - settle bills, make payments and manage standing orders whenever you like
  • Peace of mind - our advanced security systems provide added protection for your money. You can also download Rapport, our free software, which goes further than traditional online security
  • Make life easier - no more rummaging through your paperwork or files cluttering up your home. With online statements you have quick and easy access to up to 7 years worth of transaction history
  • 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.
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There's so much Digital Banking can do for you.

Keep up to date with your finances



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 (e.g. last month) or, for transactions, by a date range you choose
  • View 4 months of credit card statements

Start or stop receiving bank statements by post

  • Stop receiving your bank statements on paper or, if you’re already paperless, arrange for us to start sending your statements by post again

Download transactions

  • Download your transactions for use in software such as Quicken and Microsoft Money or a spreadsheet like Excel

View pre-advice of interest and charges on screen

  • Giving you notice of interest and charges that will be applied to your account - even if you get this information already by post

Move money and pay bills



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
  • Pay your RBS credit card
  • With Faster Payments most payments arrive at the payee’s account almost immediately*

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 (e.g. phone bill).

  • View or cancel existing Direct Debits

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

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

Administer your account



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 the Security Number and/or password you use to log in to this service

Apply for products quickly and easily



  • Apply for many other products while you’re banking online including credit cards, overdrafts and loans and because we already know your details when you're using Digital Banking, the applications are very quick and easy
  • Some products - such as Direct Saver - are exclusively available to online banking customers

Other features



Alerts

  • If you choose to stop receiving statements by post, we’ll send you an email to let you know when your statement is ready to view online. We can also alert you by text message
  • View or change your alert details

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
  • Register for our Bill Management Service - view and manage your bills online and receive e-mail alerts when bills are due for payment

* The payment will be received by the payee, almost immediately after leaving your account, but sometimes up to two hours later, providing the payment amount is within the Faster Payments set limits.

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.

Tools we provide



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.

How RBS protects you



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.

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Digital Banking is designed to work with most PCs and Macs and it can even be accessed on many portable devices such as iPhones, so chances are you can bank online.

Full details of system requirements



Operating SystemBrowser
PC UsersMicrosoft® Windows 2000/XP or VistaMicrosoft® Internet Explorer version 6, 7 and 8

or AOL 8.0, AOL 9.0, AOL 9.1 and AOL 10.1

or FireFox 2.0 to 3.5.x

or Opera 9.2x, Opera 9.5 and Opera 9.6

or Safari 4.x
Mac UsersOS XSafari 1.3 to 4.x

or FireFox 2.0 to 3.5.x

or Opera 9.2X, Opera 9.5 and Opera 9.6
Customers with earlier versions of Microsoft® Windows and Microsoft® Internet Explorer, or FireFox users with other operating systems such as Linux may also be able to access the service.


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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.

Who can bank online?



To sign up you need to be aged 16 or over and have an RBS current account, credit card, savings account or loan.

What happens when you sign-up?



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 within 5 to 7 days. You’ll need this to access the full online banking service. We send the Activation Code by post to protect your security.

Need a helping hand?



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.

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