Life Moments

Tips for
car owners

Never miss another MOT

Know your vehicle info

Make sure you have you vehicle's number plate (registration number) to hand.

Know your contact info

Have a mobile phone number or email address that you would like to be reminded on.

You're good to go

Then you're all set. Click below to get started.

Cutting car costs

Looking to cut costs on your car bills?

Money Advice Service is there to help. If you're struggling to pay your car finance or you want hints and tips to generally cut costs, they've outlined ways to help and the costs and conditions associated. 

Vehicle tax direct debit

Are you paying your vehicle tax as one off payments?

If you're paying monthly or every 6 months, you might be experiencing a 5% surge charge. Visit the .gov website to find out how a yearly direct debit could save you money and time.

Car financing options

There are many things to consider when buying a car, so it's important you choose the right option for you. Here are some finance options and what to consider when deciding how to pay for your new or used car.

Car financing options

Personal loan

What is a personal loan?

Personal loan is where you apply to borrow a set amount of money from your bank or building society.

Hire purchase

What is hire purchase?

HP where you make monthly payments to a car finance provider.

Personal contract purchase

What is personal contract purchase?

PCP is where you make monthly payments to a car finance provider.

Cash or savings

Cash or savings

You can use cash or savings to buy a new or used car.

Is a personal loan right for me?

Use our loan calculator

If you're thinking about taking out a loan to buy your next car, use our calculator to see how likely you are to be approved, without affecting your credit rating.

Get a quick quote

It's good to check what your loan options are. You’ll receive a rate tailored to you, with no impact to your credit score.

Personal loans

You could borrow between £7,500 and £19,950 at our rate of Representative 3.4% APR.

Apply online or via our app. Get a decision in minutes, along with a personalised rate, depending on your circumstances and how much you want to borrow.

Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.

Make the move to electric

With the government bringing the ban on sales of petrol and diesel cars forward to 2030, it could be time to make the switch to an electric vehicle. We've teamed up with Octopus Energy to make the switch easier, and cheaper, for you.

Royal Bank of Scotland receives a fee from Octopus Energy for customers it introduces to them that subsequently purchase products or services from Octopus Energy, although this fee will be passed onto you as a discount.

Save on electric vehicle home charge points

From Octopus Energy

Get a discounted rate and further £50 off on us when you purchase an electric vehicle home charge point from Octopus Energy. 

To participate, you will need to sign up as a CoGo customer (including agreeing to CoGo’s Terms and Conditions) and connecting your NatWest bank accounts. You’ll need to be 18+, have a NatWest debit or credit card and use the NatWest Mobile App.