Mobile phone options

Useful information

Mobile phone banking


Ways to bank

Stay in touch with your finances by signing up to our mobile phone banking service. Brought to you in association with MONILINK™. You could save time and hassle when dealing with your account and as long as you have a Debit Card or ATM Card with your account, you can apply.


Manage your money wherever you are:

  • Check mini statements, including the last six transactions on your account, whenever you like.
  • Receive balance updates (from the previous day) once a week – choosing a time and day that suits you.
  • Get text alerts when your account hits upper or lower limits set by you – so you know when you’ve been paid or when you’re nearing your limit. This is also available as a stand alone text alerts service.
  • Top up your pay as you go mobile direct from your mobile itself.

See mobile phone banking in action

See for yourself just how quick and easy it is to use.

To sign up today, simply apply online.

All you need is your:

  • Mobile phone and mobile phone number
  • RBS cash card or debit card for the accounts you’d like to track

The RBS mobile phone banking and text alerts services are currently free of charge to all personal customers.

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We’ve got together with MONILINK™ to offer our mobile phone banking service.

One of the companies behind MONILINK™ helps to run the UK’s cash machine network, so you know it’s a name you can trust.

Register your phone – five easy steps

  • Sign up online – we’ll check your phone automatically
  • Enter your account – register the details of the RBS bank card that you’d like to track
  • Get the software - we'll send you a link, so that you can download the secure mobile phone banking software to your phone
  • Choose a passcode - make sure only you can access the service
  • Stay up-to-date - you're done; it really is that easy to stay on top of your finances

See mobile phone banking in action

See for yourself just how quick and easy it is to use.

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Costs for mobile phone banking

The RBS mobile phone banking and text alert services are currently free of charge to all personal customers.

Mobile phone Top-Ups: There is no service charge for Top-Ups. Mobile phone banking will be debited directly from your current account and will be shown on your current account statement.

Data charges

If you’re on the Orange, Virgin or Vodafone networks, you may need to pay standard tariff rates for the data you download as part of the mobile phone banking service. Contact your network operator to find out more.

Additional overseas network charges may apply when used. All charges include VAT.

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Q. Just how secure is the mobile phone banking service?


A. It uses the same secure backbone as UK cash machines. It’s been developed with some of the world’s leading banking security companies.

Absolutely no bank account information held on your mobile, and every time you want to use the service, you need to enter a passcode that you set yourself.

All the information is 256 bit encrypted; this is a very high level of security.

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Q. I’ve lost my debit card or cash machine card. What should I do?


A. Call us on 0870 513 3550 as soon as possible. You’ll also need to call MONILINK on 0808 168 2958.

Lines are available Mon - Fri 8am - 9pm and Sat - Sun 8am - 8pm, calls may be recorded. Calls from other networks may vary.

Once we send your replacement cards, you will need to re-register for the mobile phone banking service.

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Q. I have a new debit card or cash machine card. How do I update my mobile phone banking service?


A. Call MONILINK on 0808 168 2958.

Lines are available Mon - Fri 8am - 9pm and Sat - Sun 8am - 8pm, calls may be recorded.

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Q. I’ve lost my mobile phone – what should I do?


A. You need to tell your network operator as soon as possible.

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Q. What’s the difference between the full mobile phone banking service and the text-only service?


A. The full service allows you to access your account details any time you like. You can view recent transactions and balances, get SMS alerts and top-up any pre-paid mobile phone. Most modern phones can use the full service.

The text-only service sends you SMS alerts when your account hits limits that you set up yourself. You’ll also get a balance update once a week. All mobile phones can use the text-only service.

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Q. How do I transfer mobile phone banking to another phone?


A. You’ll need to login to our mobile phone banking service, download the software to your new phone and set a new password. This only applies to our full service.

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Q. Will my phone work with the full mobile phone banking service?


A. If your phone has a camera and is under three years old, it will probably work with our full service.

However, if your phone doesn’t work, you can always sign-up for our text-only service.

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