Why bank on your mobile?

Mobile phone banking provides the perfect way to stay in touch with your finances even when you're out and about. There are a variety of features and benefits for you to enjoy. Read on to find out more.

• Limit alerts - a text when your account hits upper or lower limits set by you. Why not use these to confirm when you've been paid or to warn you that you're about to go overdrawn?
• Balance updates - we'll send your account balance to your mobile phone once a week, on a day and time that suits you. You could choose to receive an update each Friday, so that you know how much you have to spend over the weekend
• NEW: Quick statements - text 'MINI' to 87727 and we'll send you a free text with an up-to-the-minute account balance and mini statement (with up to six of your latest transactions). Save the number to your phonebook and you could check your account whenever you need to. Standard network message rates apply when requesting this service.

If you choose to download our mobile phone banking application you'll also receive these great services:

• Check balances and statements - view an up-to-the-minute account balance or a mini statement with your last 6 transactions. You could save yourself a trip to the local cash machine
• Mobile phone top up - top up the pay as you go phone you're using, and up to four others too, direct from your current account (service currently not available for customers on the 3 network).

Network data charges may apply when using the application.

• Costs and charges
• Sign up now
• Terms and Conditions and Privacy Policy

RBS will not charge you for any mobile phone banking services, received via text or by accessing the application. However, your mobile phone network operator may charge for certain services. Read on to find out more.

To request this service, you will need to text 'MINI' to 87727 and standard network message rates will apply. RBS will then send your account balance and mini statement by text for free.

Most mobile network operators don't charge for downloading and using the application in the UK. Orange, Virgin Mobile and Vodafone currently charge however this will depend on your tariff.

Additional overseas network charges may apply for all networks. Please check with your network provider.

Mobile phone top ups will be debited directly from your current account and will be shown on your current account statement (service currently not available for customers on the 3 network).

We know how important it is to provide protection for your money. That's why security is at the heart of mobile phone banking. Here's how we do it:

• The registration process is certified by Verisign, the global name in secure e-commerce
• During registration, we check that your bank details, registered address and mobile phone number are valid
• Once you go live with the service - we will not send any account details other than your balance via text. Access to the application is password protected
• Your personal information and card details are held by Monilink in a secure data centre, not on your mobile phone
• We use sophisticated encryption technology for secure data transfer to and from your mobile phone.

We only settle for the same security standards you'd expect from our other services. We regularly test, update and validate our systems using independent experts to ensure we keep it that way.

For more advice on keeping your money and identity safe, visit our Security Centre.

• What information do I need to sign up for mobile phone banking or text alerts?
• How long does it take to get started with mobile phone banking or text alerts?
• What accounts can I access with mobile phone banking?
• Can I use mobile phone banking if I have a joint account?
• Will mobile phone banking work on my phone?
• I've downloaded the mobile phone banking software to my phone, but I can't find it. What should I do?
• Will the iPhone app work with iOS4?

It's really easy to sign up for mobile phone banking.

What you'll need

• Your mobile phone
• Mobile phone number
• RBS cash or debit card for the account you'd like to track

Don't worry if you want to add additional accounts. This can be done at anytime once you have fully registered for the service.

The registration process should take less than 10 minutes. Once the process is complete, your card details will be verified within 24 hours and then you'll be ready to go.

Ready to sign up? Sign up now

If you're an iPhone user, please sign up here

If you need help at any stage, just call 0808 168 2958. Calls may be recorded.