Illness: cancelling a trip due to serious illness (including COVID-19 or another pandemic)
Emergency medical & related costs: emergency medical treatment while on a trip or for cutting short a trip due to illness (including COVID-19 or another pandemic), provided you were not suffering from the illness when you booked the trip and you were fit to travel when your trip started
FCDO advice: cutting short a trip if the Foreign, Commonwealth & Development Office (FCDO) is advising against travel to your destination, providing the advice came into force after you started your trip

If you need to cancel your trip before it starts, you will not be covered for any of the following reasons: Close

Quarantine: having to quarantine or self-isolate, including as a result of Government or local authority action due to COVID-19 or another pandemic
FCDO advice: following FCDO advice related to COVID-19 or another pandemic
Natural disaster: you being unable to use your pre-booked and pre-paid accommodation because the accommodation or immediate surrounding area has been affected by COVID-19 or another pandemic

All our travel insurance, car breakdown cover and home emergency cover is underwritten by U K Insurance Limited. Mobile Phone Insurance is underwritten by American International Group UK Limited and provided by Brightstar Insurance Services, B.V.

Take advantage of fee-free debit card purchases this summer

As part of your Silver Platinum account you can take advantage of fee free debit card purchases this summer. Use your VISA debit card to spend safely and securely whilst away on large or small purchases and incur no fee.

This offer applies to Foreign Purchase Fee only. You will continue to incur fees when withdrawing cash abroad using an ATM and other local fees may apply.

Find out more about spending abroad

Managing my account

Report my card lost, stolen or damaged Close

Report my card lost, stolen or damaged

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.

Set up, change or cancel a Direct Debit Close

Set up, change or cancel a Direct Debit

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

Using my debit card abroad

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.

Lock my card Close

Lock my card

If you've misplaced your debit card, or want to stop it from being used, you can temporarily lock your card to protect it from unauthorised use. You can lock and unlock your card at any time using your mobile app.

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 (locked or unlocked).

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

Make a transfer or payment Close

Make a transfer or payment

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.

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

My current account terms, rates and charges Close

My current account terms, rates and charges

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

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers aged 11+ with a Royal Bank of Scotland account.

Set up your bank account

Get the mobile app Close

Our mobile app is like a branch in your pocket

Once you've set-up online banking, you can get the mobile app. This is the easiest way to keep an eye on your spending.

Get the Mobile app

Need help? See how to set up mobile banking

Get started online Close

Online banking lets you manage your account, any time, any day

Setting up online banking takes a few minutes. You'll need your email address, sort code, account number and debit card to hand.

Get started now

Need help? View our online guide

Activate your card Close

Get the most from your card

New to the Royal Bank of Scotland?

If you're new to the Royal Bank of Scotland, we'll post your Visa debit card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how to activate it.

Already a Royal Bank of Scotland customer?
If you're already a Royal Bank of Scotland customer and have recently changed your account, there's no need to activate. You get to keep your existing card and PIN.

If your existing card is not Contactless and you have an eligible account, you can request a new card, giving you a quick and simple way to make purchases up to £30.

Order an accessible debit card Close

Our accessible debit card

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.

Numbers on our accessible card are not embossed. If you require braille, large print or audio correspondence, an embossed card accredited by the Royal National Institute of Blind People is available.

Order an accessible debit card

Need help managing your money?

Life’s big moments often mean some kind of financial change. We’ve created helpful tips and tools to help you to manage your finances and support you through life’s important journeys.

See how we can help

Change your current account

If you'd prefer one of our other accounts, you can change your account online. It's quick and easy to change.

You need to be a current account holder, 18+ and a UK resident.

Sole account holder

I want to change my account

Keep your existing sort code and account number
Arranged overdraft limits will be retained
No impact to your credit rating

Change now

Joint account holders

I want to change my account

Keep your existing sort code and account number
Arranged overdraft limits will be retained
No impact to your credit rating

Change now

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Mobile and Digital banking

5 reasons why you should use our Mobile App

View your balance and statements anytime

Make payments to your saved payees (limits apply)

Pay someone new without a card reader (limits apply)

Pay your bills and manage recurring payments on the go (limits apply)

Transfer money between your accounts

Get the Mobile App

Digital Banking is a secure, easy to use and convenient way to manage your account

View your balance

Make payments

Set up and manage your regular payments

Transfer money between your accounts

Set up and go paperless

Use Digital Banking

Manage your Reward Silver account

My Reward Silver account

Use my membership benefits

Travel insurance relating to Coronavirus (COVID-19) and any other pandemic