Manage your Reward account

If you're new to Royal Bank, we'll send your debit card and PIN separately by post within a few days your account being opened. We'll include details about how to activate your debit card.

If you're already a Royal Bank customer and recently changed your current account to Reward, you get to keep your existing card and PIN and can continue using them as normal. 

If your existing card is not contactless and you have an eligible account, you can request one by popping into your local branch or call us on 0345 366 0013 (Relay UK: 18001 0345 366 0013). 

When will my debit card arrive?

What is a contactless card?

If you can't find your debit card, freezing it stops it being used by anybody else. On Digital Banking, as soon as you click the 'Freeze card' button, it'll be frozen instantly. If you are using your mobile app, you can use the 'Card Freeze' setting.

What does freezing my card mean?

Report your card

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.

Report your card lost, stolen or damaged using the Mobile App

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 (24 hours)
Overseas: +44 1268 500 813
Next Generation Text Service (NGTS): 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.

If you have not yet ordered a card reader or your card reader is lost, damaged or out of battery power, you can order a new one in Digital Banking. Your replacement will arrive in 3-5 working days.

1. Log in to your Digital Banking service at www.digitalbanking.rbs.co.uk
2. Select 'Security' from the menu in the 'Using a card reader' section.
3. Select 'Order a card reader'.

Did you know...

With the Royal Bank of Scotland app you can quickly and easily make payments and manage your regular payments without a card reader. Limits and criteria apply.

Find out more about making payments using the mobile app.

Find out more about managing standing orders using the mobile app.

We provide all our personal and premier customers with an accessible debit card.

It’s been specially designed to be easier to use, especially if you have accessibility needs. The card has several features:

• A notch carved out of the side of the card, to help you work out which way round to insert your card into a cash machine or card reader.
• A series of raised dots or lines, so you’ll know which card is your Royal Bank of Scotland card.
• Telephone numbers on the back of the card are 50% larger to make reading easier.

We provide all of our personal and premier customers with an accessible debit card.

Our cards are issued with flat print numbers. If you require a braille plastic wallet, please call us at 03457 24 24 24 (Relay UK – 18001 03457 24 24 24) for further details.

If you require braille, large print, or audio fulfilment, please fill in the form below.

Request braille, large print, or audio fulfilment 

Tell us about your travel places at least a day before your trip and we'll do our best to ensure your holiday spending isn't affected.

To register your travel plans for your debit card:

• All you need to do is tap on your account from the main page and go to ‘Manage my card’
• Tap ‘Going abroad’ then ‘Add trip’ (iOS devices) or ‘Register card’ (Android devices)  and follow the instructions on screen 

I'm going abroad, what should I do?

An arranged overdraft could be useful for short term borrowing. Understand arranged and unarranged overdrafts and their impact on your account. An overdraft is a form of borrowing and is repayable on demand.

If you already have an arranged overdraft limit on your account that you feel is too low or too high, we could help you change it.

Overdrafts are available to eligible Royal Bank current account customers, UK residents aged 18 or over. Subject to lending criteria.

Explore our overdrafts

We have a page to help explain all the different ways to make payments online, in-store, PayMe and more. As well as top tips on how to stay safe and avoid fraudsters. View more Ways to Pay.

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.