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Existing customers

Manage your credit card

Everyday management


Pay by Direct Debit

Paying by Direct Debit is easy and convenient, once set up your payment will be automatically taken each month to pay your credit card statement bill.

One off payments

You can make one off payments yourself, it's just as easy to do. There's a number of ways you can pay your credit card.

Fees & Charges

Manage your fees and charges

You can get the most out of your credit card by keeping on top of your monthly payments. Otherwise, you could end up paying fees and charges.


View your balance and available credit

View your credit card balance and available credit whenever you want and get the most up to date view with Digital Banking or via the mobile app.

Review your PDF statement transactions

Review, save and print up to 7 years' worth of your credit card PDF statement transactions at your own convenience securely with Digital Banking.

Check your transactions

Check what transactions you've made on your credit card and search through up to the last 4 months of your spending with Digital Banking or via the mobile app.

How to dispute a credit card payment

If you’ve not received the goods or services you’ve paid for by credit card, the first step in making a claim is speaking to the retailer to see if they can resolve. If the payment was made through PayPal, please refer to their Disputes team for details on how to resolve.

Pay my card

For a fast, simple and secure way to pay your Royal Bank credit card from another UK bank, on our app you can choose to Pay my Card which is powered by Payit. Payit™ is Royal Bank's new payment solution that allows a fast, simple and safe way to pay. It removes the need for you to enter card or account details, passwords or authorisation codes when you are paying online. Instead, you can make secure, instant payments directly from your bank account or mobile banking.

Pay your credit card with the app

Paying your credit card with the Royal Bank mobile app is quick and secure.

Here's a step-by-step guide to the 3 ways you can pay or schedule a payment.

Plan ahead to repay your balance

Manage my Credit Card | Royal Bank of Scotland

Credit card repayment calculator

Find out how much faster you could clear your existing credit card balance by fixing your payments, instead of paying the minimum amount.

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Fancy a change?

If you're looking for a credit card that matches your lifestyle and spending habits, you might want to consider choosing from our full range of credit cards.

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You can see our range of credit cards by following the 'compare our credit cards' link below.

Manage my Credit Card | RBS - Royal Bank of Scotland

Could a second credit card help you manage your spending?

Keep balances separate by using a second credit card for a specific purchase, event or type of spending.

It's important to remember that a second credit card will mean you could have two balances to pay off every month, including accrued interest. There may also be two annual fees to pay, if you choose a card with an annual fee.

Eligibility applies. You cannot open a second credit card of the same type as your current card.

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Ways of managing your credit card

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App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers aged 11+ with a RBS account.

5 reasons to download our app

  • If you have misplaced your card, you can lock and unlock it on the app.
  • Take control of your spend by locking/ unlocking certain transaction types or setting a daily/ monthly budget.
  • Set up a Direct Debit, pay your credit card or view your last 2 years statements.
  • Request a PIN reminder or unblock your PIN.
  • Register your travel plans.
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Manage your credit card simply and safely with Digital Banking

  • Set up and manage Instalment Plans and regular payments.
  • View your balance and transactions.
  • Register your travel plans.
  • Adjust your credit limit.
  • Request a balance transfer.


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Something else we can help you with?