Get the most out of your Graduate account

If you think your debit card or any of your card details, such as your PIN number may have been stolen, you should report it to us to avoid the possibility of fraud.

You can now instantly report your card as lost, stolen or damaged through your mobile app. Simply open the app, tap on the account that your card is linked to and select 'Manage my card' to see your options. 

You can also report your card by logging on to your Digital Banking.

Alternatively, you should call us as soon as possible on:
UK: 0370 600 0459

Overseas: +44 1268 500 813

Relay UK: 18001 0370 600 0459

Once you’ve reported your debit card as stolen, we will send out your new card which will be with you in five working days.

A Direct Debit is an agreement between you and the organisation you’re paying, which allows the organisation you want to pay to collect varying amounts from your account – but only if you’ve been given advanced notice of the amounts and dates of collection.

View or cancel a Direct Debit 

You can easily view or cancel a Direct Debit via our Mobile App or through your Digital Banking.

Go to the app

While you can’t set up a Direct Debit without the input of the people you are paying, you can view and cancel your Direct Debit directly with us, whenever you like.
 

You have up until 8.20pm (UK time) on the day the payment is due to cancel.
 

Find out more

Register your travel details at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Let us know you will be using your card abroad

If you have our mobile app, it’s easy to let us know you are going to use your debit card abroad.
 

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.
 

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.
 

Get more information on spending abroad and how to minimise fees and charges.

You can also register your travel plans via Digital Banking or by giving us a call or popping in to a branch.

If you've misplaced your Debit Card, or want to stop it from being used, you can temporarily freeze your card to protect it from unauthorised use. You can freeze and unfreeze your card at any time using your mobile app or Digital Banking.

Take out cash with Get Cash

Your mobile app has a function called Get Cash. This lets you take out cash when you don't have your card but need money - great for people who accidently leave their cards at home.

Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active Debit Card (frozen or unfrozen).

Simply log in to your app and click on the “Get Cash” icon - you’ll find it at the bottom of the app home screen.
 

Find out more about Get Cash

You can make payments or transfers on the go by logging in to our mobile app. Using your mobile app you can:

• Pay someone new* up to £1000 without a card reader.
  
• Pay saved payees.
• Create, amend and cancel regular payments.

*There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.
 

Alternatively log in to Digital Banking where you can view your balance and statements, make payments, transfers and more to help manage your account. 

We want to ensure that everyone is aware of their account terms, rates and charges so we've gathered all the important information for your Royal Bank of Scotland current accounts in one place.