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Financial Health Check
What are your priorities?
You tell us what your priorities are and we'll share helpful tips and tools. Start making an impact on your financial future, now.
What are your priorities?
Tips to reduce your energy bills
We've got plenty of light bulb moments that could help reduce your home energy bills and free up some money to help save at the end of the month.
Stay in control of your spending
You can balance living today with planning for the future by using the Royal Bank mobile app’s ‘Spending’ tab. Keep an eye on exactly where your money’s going each day with easy to read categories.
Available to customers aged 16+. Only available for Personal and Premier Current accounts.
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Make your money work harder
From flexible instant access to longer term fixed rate savings, explore our savings page to help you find an account that best suits your needs.
Individual account eligibility criteria and conditions may apply.
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Reach your savings target by setting up a goal
People who actively use our savings goal tool, save twice as much as those who don't. Try our demo, then log into Digital Banking to add a new goal to your savings account.
Available to existing customers with an instant access savings account.
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Help with managing your finances
Increased expenditure, unexpected delay or loss of income or other serious change to your circumstances can cause financial impact. Visit our support page to find out more about the financial support available to you.
Struggling with mortgaging payments?
If you’re worried you might miss a mortgage payment, we've got lots of tools and tips to help you take control of your finances. Our Managing your money guide is a great place to start.
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Independent support available
If you are struggling with your finances, you can get free debt advice. We partner with PayPlan (a third party company), who can offer you free confidential advice for all of your debts.
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Managing your credit card debts
If you have long term credit card debt, we are taking steps to support our customers to pay more towards their credit card balance and manage their finances better.
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Help with managing your finances
Could you pay back your overdraft in one go? If you’re using your overdraft to the max as an ‘always there’ buffer, it could be a sign that your finances are uncomfortably stretched. We could help you manage and improve your finances.
Provide financial security for your loved ones
Taking out life insurance early could give peace of mind for your loved ones if the worst was to happen. It's just one way, and maybe the most important way of looking out for them.
Life insurance is provided by Aviva. Available to residents of the United Kingdom.
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Planning your critical illness cover
Choosing a critical illness cover means you may be able to provide financial security for yourself and the people who depend on you if you got a life-changing or critical illness.
Life insurance is provided by Aviva. Available to residents of the United Kingdom.
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Find the right savings accounts
Order your currency online
If you've got money left over at the end of the month, the right savings account could make it work harder. Find the right Royal Bank of Scotland savings account, depending on how you like to save.
Individual account eligibility criteria and conditions may apply.
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Use our Budget Calculator to help plan your finances
Whether it’s your personal or household budget, once you know where your money goes, it will be a lot easier to take control of your finances and plan for large purchases, the unexpected and more.
Use our loan calculator
Use our loan calculator to show how much a loan could cost, alongside a representative interest rate.
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Planning your home improvements
We can help you work out where to start when planning your project. We can even help you navigate some of the more complex obstacles, including support with planning permission.
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Overdraft, loan or credit card?
If you're looking to borrow money, we know it can be difficult deciding which options best suit your needs. We've summarised all options for you to easily compare and contrast.
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To apply for borrowing, you must be 18+ and living in the UK. Subject to lending criteria. Specific eligibility criteria apply.
Moving home isn't easy but the banking bit should be
We can't find the house of your dreams, but we can make the banking bit easier. Whether you're looking to buy your first home, switch to a new deal, or manage your existing loan, we're ready to guide you through the process.
View our mortgage calculators
Our mortgage calculator allows you to quickly compare our rates, and find the right deal for you. Find out how much you could save by remortgaging to us today.
Royal Bank of Scotland mortgages are available to over 18s.
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Everything you need to know about buying your first home
It can be daunting when you’re looking to buy your first home but we’re here to help. Read though our helpful step-by-step guide.
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Insure your home and its contents
Whether you’re looking to insure your property, it's contents or both, we've kept it nice and simple by having four levels of cover for you to choose from.
Quotes are valid for 90 days. Underwriting criteria apply. Royal Bank of Scotland Home insurance policies are underwritten by UK Insurance Limited.
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Your home may be repossessed if you do not keep up
repayments on your mortgage
Making your money work harder for you
It’s never too early to start saving for your retirement. With people living longer than ever before, we all need to save more. Savings and investments could both help with long-term financial planning, however it's important to know the different between them.
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Taking the confusion out of pensions
From workplace pensions to personal plans and state pensions, with so many options to consider it's no wonder many of us don't like thinking about how we'll pay for our retirement. We can help you make sense of it all.
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Start investing with Royal Bank of Scotland
Simple and affordable Investing. You can choose how much to invest and the level of risk you're comfortable with or get help with online automated advice. Let us help get your money working harder.
Your capital is at risk. Eligibility criteria, fees and charges apply.
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Looking to speak to one of our experts?
Our team are on hand to help you manage your finances. Simply click on the button to below to book your free Financial Health Check.
Before booking, please take time to review the important information noted below.
Before booking, please note
Royal Bank of Scotland collect your name, email, postcode and mobile number to help identify you ahead of your appointment.
The information captured is deleted up to 90 days after the appointment has taken place.
No bank records are updated as a result.
Our full Privacy Notice is available below.
The video appointment will contain personal data, including your image, and will be recorded for training and monitoring purposes.
Personal data, including your image, will be kept for 6 years.
By consenting to this notice you agree that this recording will be stored with Zoom Video Communications, Inc on behalf of Royal Bank of Scotland.
Important information
Please take some time to review, print and/or save the important information. By clicking that you’re ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.