Just paying a small additional amount if you can afford to can make a big difference - whether that’s making a one-off payment when you can or paying a bit more than the minimum amount each month.
As a guide to a monthly amount that will help you avoid holding long term debt on your card, we have added a personalised payment amount into your statement. It can be found in the message area just below your transactions. We refer to this amount as Minimum Payment Plus.
If you can afford to pay the Minimum Payment Plus amount each month then it may be helpful to pay at least this amount instead of paying only the minimum. Please remember it will vary based on your balance and spend each month.
Alternatively, if you prefer to stop spending on your credit card to pay off your balance by fixing your repayments at the same amount each month, our calculator will help guide you on how long it is likely to take to pay off your balance, and will help show you how you can save money by increasing your payments.
If you’ve opted for paperless statements, you can find them on our mobile app and in Digital Banking.
App available to 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.