Our Mobile Banking terms Archive

We want to let you know we’ll be making some changes to Your Current Account Terms, as well as our privacy notice, on 9th April 2025.

What do I need to do?

You can see everything that’s happening below. You’ll also fi nd links to our website for more information, your full terms and our full privacy notice. If you’re happy with the changes, you don’t need to do anything.

Authorised Push Payment (APP) scams

We’re updating Your Current Account Terms following new rules introduced by the Payment Systems Regulator on 7th October 2024 about refunding customers who fall victim to APP scams. An APP scam is when you’re tricked into paying money to someone who isn’t genuine. Or for a different purpose from what you meant.

What does this mean for me?

The new rules are already in place, and cover payments made in the UK using Faster Payments or CHAPS. When you pay for something using our mobile app or Online Banking it’s usually a Faster Payment. CHAPS is sometimes used for high-value payments, like a deposit on a house. If you fall victim to an APP scam, you can make a claim up to £85,000 for payments made on or after 7th October 2024. 

Helping you stay safe from scams 

Sometimes, we might need to delay a payment you make if we suspect it’s part of an APP scam. You can find out more about this in your new terms. It’s one of the ways we help keep you safe and secure when you bank with us. 

We’ll update Your Current Account Terms on 9th April 2025. You can see them here.

We’ve included details of when you need to contact us if you’re affected by an APP scam, what we’ll do and when you may be eligible for a refund. Visit Stay safe from scams | Royal Bank for more info and tips on spotting scams and staying safe.

International payments 

At the moment, if you send money abroad, we give you International Payments Terms every time you make a payment. 

On 9th April 2025, we’ll include a simplifi ed version of these in Your Current Account Terms instead. 

Our privacy notice

We’ll also be making some changes to our privacy notice on 9th April 2025. Read about the changes to how we collect and use your personal data at Our privacy policy | Royal Bank of Scotland

These changes will help us understand more about our customers so we can improve products and services. We’ll also be able to improve the updates we send. And, if we have your permission to send marketing messages, we can make them even more relevant. You can see the full privacy notice at Our privacy policy | Royal Bank of Scotland. You can also fi nd out more about your rights, as well as how we collect, use, store and share your data safely and securely. 

We’re here to help

If you’re happy with the update to your terms and privacy notice, you don’t have to do anything. But if you’re thinking about closing or making changes to your account, just let us know. You can also find details of the Current Account Switch Service at their website, currentaccountswitch.co.uk. It’s a secure and easy way to move to another provider in seven days. Any questions? 

Please get in touch, we’ll be happy to help. 

Accessible banking

Banking My Way is our free service that allows you to record information about any additional support or adjustments you need to make banking easier. Maybe you need additional support because there’s been a change to your work, health or home life. Or maybe you’re hard of hearing or have a visual impairment. We offer free translation services too. Find out more at Accessibility | Help with everyday banking | RBS - Royal Bank of Scotland or contact us.

Many thanks,

Your Everyday Banking Team

Mobile app available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries. Online Banking available to customers aged 11+ with a Royal bank of Scotland account.

Your agreement with us

These Terms form the agreement between you and us (The Royal Bank of Scotland plc).  They explain how our Mobile and Digital Banking international payments service works and set out the rights and responsibilities that each of us has regarding this service.  You’ll still be bound by the terms of your account with us (your account terms) which contain all the terms applicable to your account.  If there is any inconsistency between these Terms and your account terms, these terms will apply.

The meaning of certain words used in these Terms:

• Agents’ charges are the charges applied by the other financial institutions involved in the payment.
• A business day means Monday to Friday excluding bank holidays.
• Europe means:

o    all European Union members (and associated territories); and

o    from time to time European Economic Area (EEA) Member States (Iceland, Liechtenstein and Norway) as well as Monaco, San Marino and Switzerland; and

o    the UK.

• The IBAN is the International Bank Account Number used to identify the payee’s account.
• A payee is the person you intend to pay.
• A payment is the international payment or payment in a currency other than sterling you instruct us to make on your behalf.
• SEPA is the Single Euro Payments Area in which you can make and receive non-urgent euro payments under the same basic conditions, rights and obligations. (Territories within SEPA include all European Union members (and associated territories) and from time to time European Economic Area (EEA) Member States (Iceland, Liechtenstein and Norway) as well as Monaco, San Marino, Switzerland and the UK.  For a full list of SEPA territories, please see our website).
• SEPA payment is a euro payment to a payee whose bank, building society or other type of payment service provider is located in SEPA.
• A Standard payment is a non-urgent payment that you wish to send.
• An Urgent payment is a payment that you wish to send urgently.
• Where we refer to you this means any customer operating an account with us (for example, an individual, a sole trader, a partnership, an incorporated company or an unincorporated association such as a club or society) and using our mobile and Digital Banking international payments service. You also includes each account holder (if you have a joint account with us) and any third parties you’ve authorised to act on your behalf where the term relates to giving us instructions.  Where you’ve authorised anyone else to operate the account, you or your refers to any one, both or all of you depending on the context.

1. Timescales for making payments

If you want us to send the payment on the same business day you instruct us

• All payments will be sent on the same day as long as we receive your instruction to make a payment for you on a business day and before the cut-off times set out here.
• If we receive your instruction after these times, or on a non-business day, your payment will be sent on the next business day.
• Estimates of when your payment will arrive with the payee can be found in the table at the end of these Terms.

If you want us to send the payment on a future date

• If you tell us to make a future dated payment we’ll act on that payment instruction on the date on which you’ve asked us to make the payment. 
• If that future date is not a business day the process for making the payment will start on the next business day.
• This service is only available on Digital Banking and not on mobile.

2. Cancellation of a payment

We can’t stop a payment once you’ve asked us to make it.

We can try and recall the payment for you but we can’t guarantee this will be successful. We charge £25 to recall a payment, whether the recall is successful or not.

If the payment is a future dated payment you can contact us to cancel it up to 4pm (UK time) on the business day before the payment is due to be made.

3. Accuracy of payment details

You’re responsible for making sure the payment details you give us are correct, including for example, the payee’s name and bank details such as their IBAN.  

You must ensure all payment instructions given to us contain the correct account numbers or IBAN as required by us to avoid the RISK TO YOU of payment loss.

If you tell us that we’ve made an incorrect payment based on incorrect payment details you gave us, we’ll make reasonable efforts to recover the payment for you but we may not be able to recover it and we may charge you a fee for trying.  If we can’t recover the payment we won’t refund you but if you want us to we can contact the payee’s bank to ask for the payee’s contact details for you.

4. What we’ll do if we can’t make your payment

If we can’t make your payment, we’ll usually contact you and tell you why or you can call us on 03457 24 24 24 to discuss. If we can, we will tell you why your payment can’t be made unless there’s a legal or security reason which means we can’t tell you.

5. What if your payment is returned to us

If the payment is returned to us, we’ll re-credit the account you made the payment from. If the payment is returned in a different currency from the currency of your account, it’ll be converted at the exchange rate which applies at the time we re-credit your account. This means the payment could be more or less than the original amount taken from your account.

6. Our general liability

Full details of our liability and where we might delay or refuse to make a payment can be found in your account terms.

We won’t be responsible for any losses caused by circumstances beyond our control because the situation was abnormal or unforeseeable (for example, due to extreme weather, terrorist activity or industrial action), for any delay in transit or for any failure in the payment reaching the intended payee’s account, unless such delay or failure is caused by our negligence or wilful default.

7. Currency Conversion

When you make your payment, you’ll be provided with a guaranteed exchange rate which we’ll use when converting your payment to the currency you want to send.

We will give you an indicative rate if:

·         we can’t provide you with a guaranteed exchange rate;

·         the payment is a future dated payment; or

·         we receive your payment request after the cut off time or on a non-business day.

If this is the case, we’ll tell you the exchange rate that was used as soon as we can after your payment has been processed.

You can find more information about our exchange rates here.

8. Charges

If you are sending a SEPA payment or a payment within the UK, you are responsible to pay our charges and the payee will pay their own bank’s charge(s).

For any other payment, the charging options will be shown to you before you complete the payment.

Any charges payable by you will be deducted from the account you are making the payment from.

Details of our charges can be found below and are also available from us on request.

9. How we use your information

To make your payment, we may need to pass some of your relevant personal information to third parties. We may also transfer this information to other countries as long as we think that anyone who we pass it to will protect the information as we’d expect. By asking us to make this payment on your behalf, you are confirming that you’re allowing us to pass your relevant personal information and any information about any other individuals who are named in your instruction. The information may also be accessed and used by law enforcement agencies and other authorities to prevent and detect crime and to comply with legal obligations. More information and our full Privacy Notice can be found here.

10. Charges and timescales

*Payment instructions received after the cut-off times will be processed on the next Business Day.

**SEPA Same Day payments must be in euros and to a SEPA country, otherwise, the payment will be treated as a non-SEPA payment.

*** SEPA Urgent Payments are Urgent Euro Payments to a SEPA country.

You can more find information on charges and timescales here.

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy policy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them on our website.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of the NatWest Group. For more information about our group of companies please visit the NatWest Group website or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• you’re 11 or over
• you’re registered for online banking
• you have a valid mobile phone number

3.2 To use Mobile Banking you need to download the RBS Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you on our website. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App, is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered to use Pay Your Contacts in the App.

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 We’ll send the payment to the account that the payee has registered to accept Pay Your Contacts payments.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available in our FAQs.

8.11 You can register to receive Pay Your Contacts payments in the App. You'll need to confirm your mobile number and select an eligible account to link to your mobile number. Once registered, the name on your account will be disclosed to any other person who enters your mobile number when using Pay Your Contacts.

Pay Your Contacts By Link & Pay Someone Using a Link

Pay Your Contacts by Link applies only to customers operating personal accounts. Pay Someone Using a Link applies only to customers operating business accounts.

8.12 Pay Your Contacts By Link allows you to send money to a third party from your personal account by generating a payment link and sending it to the payee via a Social Messaging Channel, without needing to use their account number and sort code. (Social Messaging Channels include, but are not limited to, SMS, WhatsApp, email, Facebook Messenger, X formerly known as Twitter, and Instagram). Pay Someone Using a Link allows you to do the same but from your business account.

8.13 You can use these services to make payments to anyone who has a smart phone and has access to Open Banking. (Open Banking means the UK’s Open Banking initiative, which RBS is a participant in. You can find out more information about Open Banking at www.openbanking.org.uk).

8.14 To make a payment in this way, you need to:      

• Select the account from which you want to make the payment;
• Enter the amount in pounds sterling;
• Enter a payment reference;
• Generate a payment link; and
• Send the payment link to the payee via a Social Messaging Channel.

8.15 You are responsible for ensuring the recipient of the payment link and the amount of the payment are correct. You must not share payment links to group chats or shared inboxes.

8.16 By sending the payment link to the payee you are enabling them to receive a payment from you. However, the transaction will only be made once the payee activates the payment link and follows the necessary steps to accept the payment via Open Banking. Activation of the payment link by the payee will complete your payment instruction to us.

8.17 Payment links can only be used once and will automatically expire within 24 hours if not activated by the payee.

8.18 You can cancel a payment link at any time before it’s activated by the payee.

8.19 We won’t be responsible for any losses relating to any unpaid payments, delay in payments beyond our control or for payment links which are forwarded by the payee to alternative recipients.

8.20 Once a payment link has been activated by the payee you won't be able to cancel it. If you realise you've sent a payment link to an incorrect recipient or for an incorrect payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) if you are operating a personal account.

0345 600 2230 or by Relay UK on 18001 0345 600 2230 (+44 1315 498 888 from outside the UK) if you are operating a business account.

Where possible we'll try to recover the payment, but we might not be able to do so. We won't be responsible for any losses you suffer if we're unable to recover a payment in these circumstances.

8.21 We'll notify you within the App if we're unable to make a payment.

8.22 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts By Link & Pay Someone Using a Link. Details of these limits are available in our FAQs.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out of our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. DEPOSIT A CHEQUE

12.1 The “Deposit a Cheque” function allows you to pay a cheque into your account by capturing and uploading images of it through the App.

12.2 Only cheques in pounds sterling can be paid into your account using this service. Certain types of cheques can’t be paid in using this service, including Eurocheques, Traveller Cheques, Giro Credits and Convenience Cheques. More information can be found in the Frequently Asked Questions section of our Support Centre.

12.3 When you pay a cheque into your account before 6pm, the money will be in your account before 11:59pm the next business day at the latest. If you pay a cheque into your account after 6pm or on a non-business day, this process will begin on the next business day.

12.4 You must keep a paper copy of your cheque until the funds are showing as “available” in your account.

12.5 There are some circumstances where your cheque may not be accepted. These will be explained to you when you’re using the service and full information can be found in the Frequently Asked Questions section of our Support Centre.

12.6 If your cheque is not accepted you can take it to a branch. Where information is missing from your cheque you may be asked to request a new cheque or alternate method of payment from the payer.

12.7 There are limits on the individual value and total daily value of cheques that you can deposit.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our Support Centre.  These limits may vary from time to time.

12.8 You will not be charged for paying a cheque into your personal account. If you are paying a cheque into your Business Banking account, you will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

13. CARBON FOOTPRINT TRACKER

13.1 The ‘Carbon Footprint Tracker’ function allows you to see how your spending contributes to your carbon footprint to help you make meaningful choices about your spending and lifestyle.

13.2 For this we have partnered with our trusted third party carbon footprint specialists and climate experts, CoGo (Connecting Good Limited (FC035290)).

13.3 The Carbon Footprint Tracker will securely send information about your spending (amount and merchant) to CoGo to analyse and apply a carbon footprint calculation to each transaction, which will make up your monthly carbon footprint score.  CoGo does this by analysing your anonymised outgoing transactions and matches them to industries (fashion, grocery, etc.). Then each transaction is multiplied by an Emissions Factor per industry to calculate the carbon footprint of that purchase in kilograms (kgs)of carbon dioxide/carbon dioxide equivalent (CO2/CO2e).

13.4 The information used to generate your carbon footprint is anonymised and we will not share your personal data with Cogo.

13.5 The Emissions Factor only represents the average emissions per transaction which means that the carbon dioxide calculation is an estimate and may not represent the true carbon footprint for each transaction. For example, a trip to a supermarket will on average produce 1.01 KG of CO2e per £ spent (less if you're a vegetarian).

13.6 The function will help you to switch your lifestyle choices by providing tips and recommendations of ways to reduce your carbon footprint.

13.7 If you no longer wish to track your carbon footprint, you can opt out in the app by going to Spending > Settings > Manage My footprint > and slide the toggle left to opt-out.

13.8 Data and insights gained from the Carbon Tracker will be used to shape future improvements to the tracker and the service we offer.

13.9 The Carbon Footprint tracker will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other Banks.”

13.10 The Carbon Footprint tracker is provided for your information only and is designed to help to understand and manage your carbon footprint.  We are not responsible for any inaccurate or incomplete information. 

14. PAYIT – ASK FOR PAYMENT FOR BUSINESS ACCOUNTS

These terms only apply to customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) who are requesting a payment to that Business account.

14.1 You are responsible for generating a Payit – Ask for Payment link request or QR code, including the amount of the request.

14.2 There are limits on number and the amount of payments for which you can generate a PayMe – Ask for Payment link request or QR code.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our website.  These limits may vary from time to time.

14.3 You must only send a Payit – Ask for Payment link request or QR code to a buyer where:

• it is suitable and permitted under law to send a Payit – Ask for Payment link request or QR code to the buyer;
• to the best of your knowledge, the buyer does not suffer from any disability or vulnerability which may interfere with the buyer’s ability to receive and/or use a Payit – Ask for Payment link request or QR code;
• you have provided the buyer with a valid invoice, bill or other demand for payment for the goods and/or services to which the Payit – Ask for Payment link request or QR code relates; and
• the buyer has agreed to receive the Payit – Ask for Payment link request or QR code.

14.4 You must not modify any Payit – Ask for Payment link requests or QR codes you receive from us.

14.5 Payments received into your Business account will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

14.6 You must conduct regular checks to ensure that all relevant transactions and PayMe – Ask for Payment link requests or QR codes have been processed correctly.

14.7 You must promptly provide to us on request any information relating to a transaction or any Payit – Ask for Payment link request or QR code.

14.8 Transaction processing

We will not process a transaction or provide a Payit – Ask for Payment link request or QR code where:

• we are taking compliance steps (see below);
• we suspect fraud or criminal activity; or
• in relation to a purchase transaction, the buyer’s account provider does not process the payment

Compliance steps may include the investigation of transactions and Payit – Ask for Payment link requests or QR codes and making further enquiries as to whether any person or entity involved is suspected by us as being subject to national or international sanctions. We shall not be liable for any loss, liability or cost incurred by you as a result of us taking any compliance steps.

15. TYL BY NATWEST PAYMENT REQUESTS – FOR BUSINESS ACCOUNTS

These terms only apply to Tyl by NatWest customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) that are making a request for payment to their Tyl by NatWest account through Mobile Banking using a payment link or QR code (Tyl by NatWest Payment Request).

15.1 By linking your Tyl by NatWest account within Mobile Banking in order to use Tyl by NatWest Payment Requests:

• you acknowledge that the terms and conditions for accepting pay by link payments as set out in the merchant terms and conditions you have separately agreed to in relation to our acquiring services for card payments (the Tyl by NatWest Merchant Terms and Conditions) will apply to Tyl by NatWest Payment Requests. A copy of these can be found in the Tyl by NatWest portal.
• you acknowledge that the Tyl by NatWest Payment Request service will replace your PayMe – Ask for Payment service within the App until you unlink your Tyl by NatWest account. 

If there is an inconsistency between your Tyl by Natwest Merchant Terms and Conditions and those in this agreement, then your Tyl by Natwest Merchant Terms and Conditions will apply.

15.2 Payments received will be credited to your merchant settlement account and will be charged in accordance with the Tyl by NatWest Merchant Terms and Conditions.

15.3 By unlinking your Tyl by Natwest account within Mobile Banking you acknowledge that you will no longer be able to generate new Tyl by NatWest Payment Requests from the App. Historical information on any Tyl by NatWest Payment Requests generated in the App will be available via the Tyl by NatWest portal. Unlinking your Tyl by NatWest account does not cancel your Tyl by NatWest service. To cancel your Tyl by NatWest service please contact Tyl by NatWest directly. Contact details can be found in the Tyl by NatWest portal.

16. FREEAGENT

General

16.1 FreeAgent is an online accounting software package, owned by Royal Bank of Scotland Plc.

16.2 These terms only apply to customers of FreeAgent operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) who have connected to FreeAgent via Mobile Banking.

Managing connections

16.3 The FreeAgent function within Managing connections allows you to connect your App to your FreeAgent account. By connecting, you authorise Royal Bank of Scotland Plc and FreeAgent to share your data (for example, your tax payments or your invoices) for the purposes of supporting you to manage your finances. For further information about how Royal Bank of Scotland Plc manages your data please see our privacy policy.

16.4 You can choose to disconnect your App from FreeAgent within Managing Connections. This means your FreeAgent data will no longer be available in your App.

16.5 If any of your FreeAgent data is incorrect or not up to date in your App (for example, your invoice statuses or tax calculations), you should log into your FreeAgent account to verify the details are correct and access further help from FreeAgent.

Smart Tax Tool

16.6 Under “Know your tax”, the smart tax function allows you to view your upcoming taxes straight from your FreeAgent account to enable you to manage upcoming payments and actions (for example, filing accounts).

16.7 The tax calculation feature is an estimate based on the information you’ve provided to FreeAgent and should be checked. It doesn’t take into account any adjustments held on your HMRC account.

16.8 Any information provided through insights or alerts from Know your Tax is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal, accounting or tax advice. You’re responsible for the accuracy of your own accounting records and tax returns.

Invoices

16.9 The “View recent payment requests” function within Request Money allows you to view invoices generated through FreeAgent within Mobile Banking.

16.10 We may restrict the number of invoices displayed within Mobile Banking or the timeframe invoices are displayed for.

16.11 The “Send an invoice” function allows you to log into your connected FreeAgent account to generate a new invoice.

17. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

18. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

19. VARIATION/TERMINATION

19.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or, contact us on our webchat service on our website.

19.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

19.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

19.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

19.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.

We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

20. LICENCE TERMS

20.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

20.2 The Licence includes the right to use any future updates to the App that we make available to you.

20.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK).

20.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

20.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 17. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland Plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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We're making the following changes to our Mobile Banking Terms:

We’re making it clearer that when you’re registered for Pay Your Contacts, anyone sending you payments using your mobile number will see the name on your account. There are no changes to the service and you’ll still be able to pay registered Royal Bank of Scotland, Isle of Man, NatWest, Ulster Bank and NatWest International customers using their mobile number.

If you no longer want to be registered for Pay Your Contacts, you can cancel registration at any time. Just choose your profile in the App, tap Pay Your Contacts and Cancel Service.

Your updated Mobile Banking Terms

Please read the updated Mobile Banking terms carefully.

They'll take effect on 02 September 2024 and will stay in the ‘Help’ section of the app for future reference.

Need more help?

If you have any queries, please contact us. 

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy policy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them on our website.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of the NatWest Group. For more information about our group of companies please visit the NatWest Group website or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• you’re 11 or over
• you’re registered for online banking
• you have a valid mobile phone number

3.2 To use Mobile Banking you need to download the RBS Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you on our website. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App, is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered to use Pay Your Contacts in the App.

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 We’ll send the payment to the account that the payee has registered to accept Pay Your Contacts payments.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available in our FAQs.

8.11 You can register to receive Pay Your Contacts payments in the App. You'll need to confirm your mobile number and select an eligible account to link to your mobile number.

Pay Your Contacts By Link & Pay Someone Using a Link

Pay Your Contacts by Link applies only to customers operating personal accounts. Pay Someone Using a Link applies only to customers operating business accounts.

8.12 Pay Your Contacts By Link allows you to send money to a third party from your personal account by generating a payment link and sending it to the payee via a Social Messaging Channel, without needing to use their account number and sort code. (Social Messaging Channels include, but are not limited to, SMS, WhatsApp, email, Facebook Messenger, Twitter and Instagram).  Pay Someone Using a Link allows you to do the same but from your business account.

8.13 You can use these services to make payments to anyone who has a smart phone and has access to Open Banking. (Open Banking means the UK’s Open Banking initiative, which RBS is a participant in. You can find out more information about Open Banking at www.openbanking.org.uk).

8.14 To make a payment in this way, you need to:       

• Select the account from which you want to make the payment;
• Enter the amount in pounds sterling;
• Enter a payment reference;
• Generate a payment link; and
• Send the payment link to the payee via a Social Messaging Channel.

8.15 You are responsible for ensuring the recipient of the payment link and the amount of the payment are correct. You must not share payment links to group chats or shared inboxes.

8.16 By sending the payment link to the payee you are enabling them to receive a payment from you. However, the transaction will only be made once the payee activates the payment link and follows the necessary steps to accept the payment via Open Banking. Activation of the payment link by the payee will complete your payment instruction to us.

8.17 Payment links can only be used once and will automatically expire within 24 hours if not activated by the payee.

8.18 You can cancel a payment link at any time before it’s activated by the payee.

8.19 We won’t be responsible for any losses relating to any unpaid payments, delay in payments beyond our control or for payment links which are forwarded by the payee to alternative recipients.

8.20 Once a payment link has been activated by the payee you won't be able to cancel it. If you realise you've sent a payment link to an incorrect recipient or for an incorrect payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) if you are operating a personal account.

0345 600 2230 or by Relay UK on 18001 0345 600 2230 (+44 1315 498 888 from outside the UK) if you are operating a business account.

Where possible we'll try to recover the payment, but we might not be able to do so. We won't be responsible for any losses you suffer if we're unable to recover a payment in these circumstances.

8.21 We'll notify you within the App if we're unable to make a payment.

8.22 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts By Link & Pay Someone Using a Link. Details of these limits are available in our FAQs.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out of our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. DEPOSIT A CHEQUE

12.1 The “Deposit a Cheque” function allows you to pay a cheque into your account by capturing and uploading images of it through the App.

12.2 Only cheques in pounds sterling can be paid into your account using this service. Certain types of cheques can’t be paid in using this service, including Eurocheques, Traveller Cheques, Giro Credits and Convenience Cheques. More information can be found in the Frequently Asked Questions section of our Support Centre.

12.3 When you pay a cheque into your account before 6pm, the money will be in your account before 11:59pm the next business day at the latest. If you pay a cheque into your account after 6pm or on a non-business day, this process will begin on the next business day.

12.4 You must keep a paper copy of your cheque until the funds are showing as “available” in your account.

12.5 There are some circumstances where your cheque may not be accepted. These will be explained to you when you’re using the service and full information can be found in the Frequently Asked Questions section of our Support Centre.

12.6 If your cheque is not accepted you can take it to a branch. Where information is missing from your cheque you may be asked to request a new cheque or alternate method of payment from the payer.

12.7 There are limits on the individual value and total daily value of cheques that you can deposit.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our Support Centre.  These limits may vary from time to time.

12.8 You will not be charged for paying a cheque into your personal account. If you are paying a cheque into your Business Banking account, you will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

13. CARBON FOOTPRINT TRACKER

13.1 The ‘Carbon Footprint Tracker’ function allows you to see how your spending contributes to your carbon footprint to help you make meaningful choices about your spending and lifestyle.

13.2 For this we have partnered with our trusted third party carbon footprint specialists and climate experts, CoGo (Connecting Good Limited (FC035290)).

13.3 The Carbon Footprint Tracker will securely send information about your spending (amount and merchant) to CoGo to analyse and apply a carbon footprint calculation to each transaction, which will make up your monthly carbon footprint score.  CoGo does this by analysing your anonymised outgoing transactions and matches them to industries (fashion, grocery, etc.). Then each transaction is multiplied by an Emissions Factor per industry to calculate the carbon footprint of that purchase in kilograms (kgs)of carbon dioxide/carbon dioxide equivalent (CO2/CO2e).

13.4 The information used to generate your carbon footprint is anonymised and we will not share your personal data with Cogo.

13.5 The Emissions Factor only represents the average emissions per transaction which means that the carbon dioxide calculation is an estimate and may not represent the true carbon footprint for each transaction. For example, a trip to a supermarket will on average produce 1.01 KG of CO2e per £ spent (less if you're a vegetarian).

13.6 The function will help you to switch your lifestyle choices by providing tips and recommendations of ways to reduce your carbon footprint.

13.7 If you no longer wish to track your carbon footprint, you can opt out in the app by going to Spending > Settings > Manage My footprint > and slide the toggle left to opt-out.

13.8 Data and insights gained from the Carbon Tracker will be used to shape future improvements to the tracker and the service we offer.

13.9 The Carbon Footprint tracker will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other Banks.”

13.10 The Carbon Footprint tracker is provided for your information only and is designed to help to understand and manage your carbon footprint.  We are not responsible for any inaccurate or incomplete information. 

14. PAYIT – ASK FOR PAYMENT FOR BUSINESS ACCOUNTS

These terms only apply to customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) who are requesting a payment to that Business account.

14.1 You are responsible for generating a Payit – Ask for Payment link request or QR code, including the amount of the request.

14.2 There are limits on number and the amount of payments for which you can generate a PayMe – Ask for Payment link request or QR code.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our website.  These limits may vary from time to time.

14.3 You must only send a Payit – Ask for Payment link request or QR code to a buyer where:

• it is suitable and permitted under law to send a Payit – Ask for Payment link request or QR code to the buyer;
• to the best of your knowledge, the buyer does not suffer from any disability or vulnerability which may interfere with the buyer’s ability to receive and/or use a Payit – Ask for Payment link request or QR code;
• you have provided the buyer with a valid invoice, bill or other demand for payment for the goods and/or services to which the Payit – Ask for Payment link request or QR code relates; and
• the buyer has agreed to receive the Payit – Ask for Payment link request or QR code.

14.4 You must not modify any Payit – Ask for Payment link requests or QR codes you receive from us.

14.5 Payments received into your Business account will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

14.6 You must conduct regular checks to ensure that all relevant transactions and PayMe – Ask for Payment link requests or QR codes have been processed correctly.

14.7 You must promptly provide to us on request any information relating to a transaction or any Payit – Ask for Payment link request or QR code.

14.8 Transaction processing

We will not process a transaction or provide a Payit – Ask for Payment link request or QR code where:

• we are taking compliance steps (see below);
• we suspect fraud or criminal activity; or
• in relation to a purchase transaction, the buyer’s account provider does not process the payment

Compliance steps may include the investigation of transactions and Payit – Ask for Payment link requests or QR codes and making further enquiries as to whether any person or entity involved is suspected by us as being subject to national or international sanctions. We shall not be liable for any loss, liability or cost incurred by you as a result of us taking any compliance steps.

15. TYL BY NATWEST PAYMENT REQUESTS – FOR BUSINESS ACCOUNTS

These terms only apply to Tyl by NatWest customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) that are making a request for payment to their Tyl by NatWest account through Mobile Banking using a payment link or QR code (Tyl by NatWest Payment Request).

15.1 By linking your Tyl by NatWest account within Mobile Banking in order to use Tyl by NatWest Payment Requests:

• you acknowledge that the terms and conditions for accepting pay by link payments as set out in the merchant terms and conditions you have separately agreed to in relation to our acquiring services for card payments (the Tyl by NatWest Merchant Terms and Conditions) will apply to Tyl by NatWest Payment Requests. A copy of these can be found in the Tyl by NatWest portal.
• you acknowledge that the Tyl by NatWest Payment Request service will replace your PayMe – Ask for Payment service within the App until you unlink your Tyl by NatWest account. 

If there is an inconsistency between your Tyl by Natwest Merchant Terms and Conditions and those in this agreement, then your Tyl by Natwest Merchant Terms and Conditions will apply.

15.2 Payments received will be credited to your merchant settlement account and will be charged in accordance with the Tyl by NatWest Merchant Terms and Conditions.

15.3 By unlinking your Tyl by Natwest account within Mobile Banking you acknowledge that you will no longer be able to generate new Tyl by NatWest Payment Requests from the App. Historical information on any Tyl by NatWest Payment Requests generated in the App will be available via the Tyl by NatWest portal. Unlinking your Tyl by NatWest account does not cancel your Tyl by NatWest service. To cancel your Tyl by NatWest service please contact Tyl by NatWest directly. Contact details can be found in the Tyl by NatWest portal.

16. FREEAGENT

General

16.1 FreeAgent is an online accounting software package, owned by Royal Bank of Scotland Plc.

16.2 These terms only apply to customers of FreeAgent operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) who have connected to FreeAgent via Mobile Banking.

Managing connections

16.3 The FreeAgent function within Managing connections allows you to connect your App to your FreeAgent account. By connecting, you authorise Royal Bank of Scotland Plc and FreeAgent to share your data (for example, your tax payments or your invoices) for the purposes of supporting you to manage your finances. For further information about how Royal Bank of Scotland Plc manages your data please see our privacy policy.

16.4 You can choose to disconnect your App from FreeAgent within Managing Connections. This means your FreeAgent data will no longer be available in your App.

16.5 If any of your FreeAgent data is incorrect or not up to date in your App (for example, your invoice statuses or tax calculations), you should log into your FreeAgent account to verify the details are correct and access further help from FreeAgent.

Smart Tax Tool

16.6 Under “Know your tax”, the smart tax function allows you to view your upcoming taxes straight from your FreeAgent account to enable you to manage upcoming payments and actions (for example, filing accounts).

16.7 The tax calculation feature is an estimate based on the information you’ve provided to FreeAgent and should be checked. It doesn’t take into account any adjustments held on your HMRC account.

16.8 Any information provided through insights or alerts from Know your Tax is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal, accounting or tax advice. You’re responsible for the accuracy of your own accounting records and tax returns.

Invoices

16.9 The “View recent payment requests” function within Request Money allows you to view invoices generated through FreeAgent within Mobile Banking.

16.10 We may restrict the number of invoices displayed within Mobile Banking or the timeframe invoices are displayed for.

16.11 The “Send an invoice” function allows you to log into your connected FreeAgent account to generate a new invoice.

17. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

18. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

19. VARIATION/TERMINATION

19.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or, contact us on our webchat service on our website.

19.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

19.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

19.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

19.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.

We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

20. LICENCE TERMS

20.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

20.2 The Licence includes the right to use any future updates to the App that we make available to you.

20.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK).

20.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

20.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 17. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland Plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

Back to top

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy policy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them on our website.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of the NatWest Group. For more information about our group of companies please visit the NatWest Group website or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• you’re 11 or over
• you’re registered for online banking
• you have a valid mobile phone number

3.2 To use Mobile Banking you need to download the RBS Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you on our website. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App, is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered to use Pay Your Contacts in the App.

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 We’ll send the payment to the account that the payee has registered to accept Pay Your Contacts payments.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available in our FAQs.

8.11 You can register to receive Pay Your Contacts payments in the App. You'll need to confirm your mobile number and select an eligible account to link to your mobile number.

Pay Your Contacts By Link & Pay Someone Using a Link

Pay Your Contacts by Link applies only to customers operating personal accounts. Pay Someone Using a Link applies only to customers operating business accounts.

8.12 Pay Your Contacts By Link allows you to send money to a third party from your personal account by generating a payment link and sending it to the payee via a Social Messaging Channel, without needing to use their account number and sort code. (Social Messaging Channels include, but are not limited to, SMS, WhatsApp, email, Facebook Messenger, Twitter and Instagram.).  Pay Someone Using a Link allows you to do the same but from your business account.

8.13 You can use these services to make payments to anyone who has a smart phone and has access to Open Banking. (Open Banking means the UK’s Open Banking initiative, which RBS is a participant in. You can find out more information about Open Banking at www.openbanking.org.uk).

8.14 To make a payment in this way, you need to:·        

• Select the account from which you want to make the payment;
• Enter the amount in pounds sterling
• Enter a payment reference;
• Generate a payment link; and
• Send the payment link to the payee via a Social Messaging Channel.

8.15 You are responsible for ensuring the recipient of the payment link and the amount of the payment are correct. You must not share payment links to group chats or shared inboxes.

8.16 By sending the payment link to the payee you are enabling them to receive a payment from you. However, the transaction will only be made once the payee activates the payment link and follows the necessary steps to accept the payment via Open Banking. Activation of the payment link by the payee will complete your payment instruction to us.

8.17 Payment links can only be used once and will automatically expire within 24 hours if not activated by the payee.

8.18 You can cancel a payment link at any time before it’s activated by the payee.

8.19 We won’t be responsible for any losses relating to any unpaid payments, delay in payments beyond our control or for payment links which are forwarded by the payee to alternative recipients.

8.20 Once a payment link has been activated by the payee you won't be able to cancel it. If you realise you've sent a payment link to an incorrect recipient or for an incorrect payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) if you are operating a personal account.

0345 600 2230 or by Relay UK on 18001 0345 600 2230 (+44 1315 498 888 from outside the UK) if you are operating a business account.

Where possible we'll try to recover the payment, but we might not be able to do so. We won't be responsible for any losses you suffer if we're unable to recover a payment in these circumstances.

8.21 We'll notify you within the App if we're unable to make a payment.

8.22 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts By Link & Pay Someone Using a Link. Details of these limits are available in our FAQs.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out of our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. DEPOSIT A CHEQUE

12.1 The “Deposit a Cheque” function allows you to pay a cheque into your account by capturing and uploading images of it through the App.

12.2 Only cheques in pounds sterling can be paid into your account using this service. Certain types of cheques can’t be paid in using this service, including Eurocheques, Traveller Cheques, Giro Credits and Convenience Cheques. More information can be found in the Frequently Asked Questions section of our Support Centre.

12.3 When you pay a cheque into your account before 6pm, the money will be in your account before 11:59pm the next business day at the latest. If you pay a cheque into your account after 6pm or on a non-business day, this process will begin on the next business day.

12.4 You must keep a paper copy of your cheque until the funds are showing as “available” in your account.

12.5 There are some circumstances where your cheque may not be accepted. These will be explained to you when you’re using the service and full information can be found in the Frequently Asked Questions section of our Support Centre.

12.6 If your cheque is not accepted you can take it to a branch. Where information is missing from your cheque you may be asked to request a new cheque or alternate method of payment from the payer.

12.7 There are limits on the individual value and total daily value of cheques that you can deposit.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our Support Centre.  These limits may vary from time to time.

12.8 You will not be charged for paying a cheque into your personal account. If you are paying a cheque into your Business Banking account, you will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

13. CARBON FOOTPRINT TRACKER

13.1 The ‘Carbon Footprint Tracker’ function allows you to see how your spending contributes to your carbon footprint to help you make meaningful choices about your spending and lifestyle.

13.2 For this we have partnered with our trusted third party carbon footprint specialists and climate experts, CoGo (Connecting Good Limited (FC035290)).

13.3 The Carbon Footprint Tracker will securely send information about your spending (amount and merchant) to CoGo to analyse and apply a carbon footprint calculation to each transaction, which will make up your monthly carbon footprint score.  CoGo does this by analysing your anonymised outgoing transactions and matches them to industries (fashion, grocery, etc.). Then each transaction is multiplied by an Emissions Factor per industry to calculate the carbon footprint of that purchase in kilograms (kgs)of carbon dioxide/carbon dioxide equivalent (CO2/CO2e).

13.4 The information used to generate your carbon footprint is anonymised and we will not share your personal data with Cogo.

13.5 The Emissions Factor only represents the average emissions per transaction which means that the carbon dioxide calculation is an estimate and may not represent the true carbon footprint for each transaction. For example, a trip to a supermarket will on average produce 1.01 KG of CO2e per £ spent (less if you're a vegetarian).

13.6 The function will help you to switch your lifestyle choices by providing tips and recommendations of ways to reduce your carbon footprint.

13.7 If you no longer wish to track your carbon footprint, you can opt out in the app by going to Spending > Settings > Manage My footprint > and slide the toggle left to opt-out.

13.8 Data and insights gained from the Carbon Tracker will be used to shape future improvements to the tracker and the service we offer.

13.9 The Carbon Footprint tracker will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other Banks.”

13.10 The Carbon Footprint tracker is provided for your information only and is designed to help to understand and manage your carbon footprint.  We are not responsible for any inaccurate or incomplete information. 

14. PAYIT – ASK FOR PAYMENT FOR BUSINESS ACCOUNTS

These terms only apply to customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) who are requesting a payment to that Business account.

14.1 You are responsible for generating a Payit – Ask for Payment link request or QR code, including the amount of the request.

14.2 There are limits on number and the amount of payments for which you can generate a PayMe – Ask for Payment link request or QR code.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our website.  These limits may vary from time to time.

14.3 You must only send a Payit – Ask for Payment link request or QR code to a buyer where:

• it is suitable and permitted under law to send a Payit – Ask for Payment link request or QR code to the buyer;
• to the best of your knowledge, the buyer does not suffer from any disability or vulnerability which may interfere with the buyer’s ability to receive and/or use a Payit – Ask for Payment link request or QR code;
• you have provided the buyer with a valid invoice, bill or other demand for payment for the goods and/or services to which the Payit – Ask for Payment link request or QR code relates; and
• the buyer has agreed to receive the Payit – Ask for Payment link request or QR code.

14.4 You must not modify any Payit – Ask for Payment link requests or QR codes you receive from us.

14.5 Payments received into your Business account will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

14.6 You must conduct regular checks to ensure that all relevant transactions and PayMe – Ask for Payment link requests or QR codes have been processed correctly.

14.7 You must promptly provide to us on request any information relating to a transaction or any Payit – Ask for Payment link request or QR code.

14.8 Transaction processing

We will not process a transaction or provide a Payit – Ask for Payment link request or QR code where:

• we are taking compliance steps (see below);
• we suspect fraud or criminal activity; or
• in relation to a purchase transaction, the buyer’s account provider does not process the payment

Compliance steps may include the investigation of transactions and Payit – Ask for Payment link requests or QR codes and making further enquiries as to whether any person or entity involved is suspected by us as being subject to national or international sanctions. We shall not be liable for any loss, liability or cost incurred by you as a result of us taking any compliance steps.

15. TYL BY NATWEST PAYMENT REQUESTS – FOR BUSINESS ACCOUNTS

These terms only apply to Tyl by NatWest customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) that are making a request for payment to their Tyl by NatWest account through Mobile Banking using a payment link or QR code (Tyl by NatWest Payment Request).

15.1 By linking your Tyl by NatWest account within Mobile Banking in order to use Tyl by NatWest Payment Requests:

• you acknowledge that the terms and conditions for accepting pay by link payments as set out in the merchant terms and conditions you have separately agreed to in relation to our acquiring services for card payments (the Tyl by NatWest Merchant Terms and Conditions) will apply to Tyl by NatWest Payment Requests. A copy of these can be found in the Tyl by NatWest portal.
• you acknowledge that the Tyl by NatWest Payment Request service will replace your PayMe – Ask for Payment service within the App until you unlink your Tyl by NatWest account. 

If there is an inconsistency between your Tyl by Natwest Merchant Terms and Conditions and those in this agreement, then your Tyl by Natwest Merchant Terms and Conditions will apply.

15.2 Payments received will be credited to your merchant settlement account and will be charged in accordance with the Tyl by NatWest Merchant Terms and Conditions.

15.3 By unlinking your Tyl by Natwest account within Mobile Banking you acknowledge that you will no longer be able to generate new Tyl by NatWest Payment Requests from the App. Historical information on any Tyl by NatWest Payment Requests generated in the App will be available via the Tyl by NatWest portal. Unlinking your Tyl by NatWest account does not cancel your Tyl by NatWest service. To cancel your Tyl by NatWest service please contact Tyl by NatWest directly. Contact details can be found in the Tyl by NatWest portal.

16. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

17. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

18. VARIATION/TERMINATION

18.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or, contact us on our webchat service on our website.

18.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

18.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

18.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

18.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.

We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

19. LICENCE TERMS

19.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

19.2 The Licence includes the right to use any future updates to the App that we make available to you.

19.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK).

19.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

19.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 17. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland Plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

Back to top

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy policy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them on our website.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of the NatWest Group. For more information about our group of companies please visit the NatWest Group website or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• you’re 11 or over
• you’re registered for online banking
• you have a valid mobile phone number

3.2 To use Mobile Banking you need to download the RBS Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you on our website. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App, is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered to use Pay Your Contacts in the App.

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 We’ll send the payment to the account that the payee has registered to accept Pay Your Contacts payments.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available in our FAQs.

8.11 You can register to receive Pay Your Contacts payments in the App. You'll need to confirm your mobile number and select an eligible account to link to your mobile number.

Pay Your Contacts By Link

8.12 Pay Your Contacts By Link allows you to send money to a third party from your personal account by generating a payment link and sending it to the payee via a Social Messaging Channel, without needing to use their account number and sort code. (Social Messaging Channels include, but are not limited to, SMS, WhatsApp, email, Facebook Messenger, Twitter and Instagram.).

8.13 You can use this service to make payments to anyone who has a smart phone and has access to Open Banking. (Open Banking means the UK’s Open Banking initiative, which RBS is a participant in. You can find out more information about Open Banking at www.openbanking.org.uk).

8.14 To make a payment in this way, you need to:·        

• Select the account from which you want to make the payment;
• Enter the amount in pounds sterling
• Enter a payment reference;
• Generate a payment link; and
• Send the payment link to the payee via a Social Messaging Channel.

8.15 You are responsible for ensuring the recipient of the payment link and the amount of the payment are correct.

8.16 By sending the payment link to the payee you are enabling them to receive a payment from you. However, the transaction will only be made once the payee activates the payment link and follows the necessary steps to accept the payment via Open Banking. Activation of the payment link by the payee will complete your payment instruction to us.

8.17 Payment links can only be used once and will automatically expire within 24 hours if not activated by the payee.

8.18 You can cancel a payment link at any time before it’s activated by the payee.

8.19 We won’t be responsible for any losses relating to any unpaid payments, delay in payments beyond our control or for payment links which are forwarded by the payee to alternative recipients.

8.20 Once a payment link has been activated by the payee you won't be able to cancel it. If you realise you've sent a payment link to an incorrect recipient or for an incorrect payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but we might not be able to do so. We won't be responsible for any losses you suffer if we're unable to recover a payment in these circumstances.

8.21 We'll notify you within the App if we're unable to make a payment.

8.22 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts By Link. Details of these limits are available in our FAQs.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out of our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. DEPOSIT A CHEQUE

12.1 The “Deposit a Cheque” function allows you to pay a cheque into your account by capturing and uploading images of it through the App.

12.2 Only cheques in pounds sterling can be paid into your account using this service. Certain types of cheques can’t be paid in using this service, including Eurocheques, Traveller Cheques, Giro Credits and Convenience Cheques. More information can be found in the Frequently Asked Questions section of our Support Centre.

12.3 When you pay a cheque into your account before 6pm, the money will be in your account before 11:59pm the next business day at the latest. If you pay a cheque into your account after 6pm or on a non-business day, this process will begin on the next business day.

12.4 You must keep a paper copy of your cheque until the funds are showing as “available” in your account.

12.5 There are some circumstances where your cheque may not be accepted. These will be explained to you when you’re using the service and full information can be found in the Frequently Asked Questions section of our Support Centre.

12.6 If your cheque is not accepted you can take it to a branch. Where information is missing from your cheque you may be asked to request a new cheque or alternate method of payment from the payer.

12.7 There are limits on the individual value and total daily value of cheques that you can deposit.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our Support Centre.  These limits may vary from time to time.

12.8 You will not be charged for paying a cheque into your personal account. If you are paying a cheque into your Business Banking account, you will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

13. CARBON FOOTPRINT TRACKER

13.1 The ‘Carbon Footprint Tracker’ function allows you to see how your spending contributes to your carbon footprint to help you make meaningful choices about your spending and lifestyle.

13.2 For this we have partnered with our trusted third party carbon footprint specialists and climate experts, CoGo (Connecting Good Limited (FC035290)).

13.3 The Carbon Footprint Tracker will securely send information about your spending (amount and merchant) to CoGo to analyse and apply a carbon footprint calculation to each transaction, which will make up your monthly carbon footprint score.  CoGo does this by analysing your anonymised outgoing transactions and matches them to industries (fashion, grocery, etc.). Then each transaction is multiplied by an Emissions Factor per industry to calculate the carbon footprint of that purchase in kilograms (kgs)of carbon dioxide/carbon dioxide equivalent (CO2/CO2e).

13.4 The information used to generate your carbon footprint is anonymised and we will not share your personal data with Cogo.

13.5 The Emissions Factor only represents the average emissions per transaction which means that the carbon dioxide calculation is an estimate and may not represent the true carbon footprint for each transaction. For example, a trip to a supermarket will on average produce 1.01 KG of CO2e per £ spent (less if you're a vegetarian).

13.6 The function will help you to switch your lifestyle choices by providing tips and recommendations of ways to reduce your carbon footprint.

13.7 If you no longer wish to track your carbon footprint, you can opt out in the app by going to Spending > Settings > Manage My footprint > and slide the toggle left to opt-out.

13.8 Data and insights gained from the Carbon Tracker will be used to shape future improvements to the tracker and the service we offer.

13.9 The Carbon Footprint tracker will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other Banks.”

13.10 The Carbon Footprint tracker is provided for your information only and is designed to help to understand and manage your carbon footprint.  We are not responsible for any inaccurate or incomplete information. 

14. PAYME – ASK FOR PAYMENT FOR BUSINESS ACCOUNTS

These terms only apply to customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) who are requesting a payment to that Business account.

14.1 You are responsible for generating a PayMe – Ask for Payment link request or QR code, including the amount of the request.

14.2 There are limits on the amount of payments for which you can generate a PayMe – Ask for Payment link request or QR code.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our website.  These limits may vary from time to time.

14.3 You must only send a PayMe – Ask for Payment link request or QR code to a buyer where:

• it is suitable and permitted under law to send a PayMe – Ask for Payment link request or QR code to the buyer;
• to the best of your knowledge, the buyer does not suffer from any disability or vulnerability which may interfere with the buyer’s ability to receive and/or use a PayMe – Ask for Payment link request or QR code;
• you have provided the buyer with a valid invoice, bill or other demand for payment for the goods and/or services to which the PayMe – Ask for Payment link request or QR code relates; and
• the buyer has agreed to receive the PayMe – Ask for Payment link request or QR code.

14.4 You must not modify any PayMe – Ask for Payment link requests or QR codes you receive from us.

14.5 Payments received into your Business account will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

14.6 You must conduct regular checks to ensure that all relevant transactions and PayMe – Ask for Payment link requests or QR codes have been processed correctly.

14.7 You must promptly provide to us on request any information relating to a transaction or any PayMe – Ask for Payment link request or QR code.

14.8 Transaction processing

We will not process a transaction or provide a PayMe – Ask for Payment link request or QR code where:

• we are taking compliance steps (see below);
• we suspect fraud or criminal activity; or
• in relation to a purchase transaction, the buyer’s account provider does not process the payment

Compliance steps may include the investigation of transactions and PayMe – Ask for Payment link requests or QR codes and making further enquiries as to whether any person or entity involved is suspected by us as being subject to national or international sanctions. We shall not be liable for any loss, liability or cost incurred by you as a result of us taking any compliance steps.

15. TYL BY NATWEST PAYMENT REQUESTS – FOR BUSINESS ACCOUNTS

These terms only apply to Tyl by NatWest customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) that are making a request for payment to their Tyl by NatWest account through Mobile Banking using a payment link or QR code (Tyl by NatWest Payment Request).

15.1 By linking your Tyl by NatWest account within Mobile Banking in order to use Tyl by NatWest Payment Requests:

• you acknowledge that the terms and conditions for accepting pay by link payments as set out in the merchant terms and conditions you have separately agreed to in relation to our acquiring services for card payments (the Tyl by NatWest Merchant Terms and Conditions) will apply to Tyl by NatWest Payment Requests. A copy of these can be found in the Tyl by NatWest portal.
• you acknowledge that the Tyl by NatWest Payment Request service will replace your PayMe – Ask for Payment service within the App until you unlink your Tyl by NatWest account. 

If there is an inconsistency between your Tyl by Natwest Merchant Terms and Conditions and those in this agreement, then your Tyl by Natwest Merchant Terms and Conditions will apply.

15.2 Payments received will be credited to your merchant settlement account and will be charged in accordance with the Tyl by NatWest Merchant Terms and Conditions.

15.3 By unlinking your Tyl by Natwest account within Mobile Banking you acknowledge that you will no longer be able to generate new Tyl by NatWest Payment Requests from the App. Historical information on any Tyl by NatWest Payment Requests generated in the App will be available via the Tyl by NatWest portal. Unlinking your Tyl by NatWest account does not cancel your Tyl by NatWest service. To cancel your Tyl by NatWest service please contact Tyl by NatWest directly. Contact details can be found in the Tyl by NatWest portal.

16. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

17. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

18. VARIATION/TERMINATION

18.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or, contact us on our webchat service on our website.

18.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

18.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

18.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

18.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.

We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

19. LICENCE TERMS

19.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

19.2 The Licence includes the right to use any future updates to the App that we make available to you.

19.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK).

19.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

19.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 17. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland Plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy policy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them on our website.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of the NatWest Group. For more information about our group of companies please visit the NatWest Group website or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• you’re 11 or over
• you’re registered for online banking
• you have a valid mobile phone number

3.2 To use Mobile Banking you need to download the RBS Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you on our website. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App, is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered to use Pay Your Contacts in the App.

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 We’ll send the payment to the account that the payee has registered to accept Pay Your Contacts payments.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available in our FAQs.

8.11 You can register to receive Pay Your Contacts payments in the App. You'll need to confirm your mobile number and select an eligible account to link to your mobile number.

Pay Your Contacts By Link

8.12 Pay Your Contacts By Link allows you to send money to a third party from your personal account by generating a payment link and sending it to the payee via a Social Messaging Channel, without needing to use their account number and sort code. (Social Messaging Channels include, but are not limited to, SMS, WhatsApp, email, Facebook Messenger, Twitter and Instagram.).

8.13 You can use this service to make payments to anyone who has a smart phone and has access to Open Banking. (Open Banking means the UK’s Open Banking initiative, which RBS is a participant in. You can find out more information about Open Banking at www.openbanking.org.uk).

8.14 To make a payment in this way, you need to:·        

• Select the account from which you want to make the payment;
• Enter the amount in pounds sterling
• Enter a payment reference;
• Generate a payment link; and
• Send the payment link to the payee via a Social Messaging Channel.

8.15 You are responsible for ensuring the recipient of the payment link and the amount of the payment are correct.

8.16 By sending the payment link to the payee you are enabling them to receive a payment from you. However, the transaction will only be made once the payee activates the payment link and follows the necessary steps to accept the payment via Open Banking. Activation of the payment link by the payee will complete your payment instruction to us.

8.17 Payment links can only be used once and will automatically expire within 24 hours if not activated by the payee.

8.18 You can cancel a payment link at any time before it’s activated by the payee.

8.19 We won’t be responsible for any losses relating to any unpaid payments, delay in payments beyond our control or for payment links which are forwarded by the payee to alternative recipients.

8.20 Once a payment link has been activated by the payee you won't be able to cancel it. If you realise you've sent a payment link to an incorrect recipient or for an incorrect payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but we might not be able to do so. We won't be responsible for any losses you suffer if we're unable to recover a payment in these circumstances.

8.21 We'll notify you within the App if we're unable to make a payment.

8.22 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts By Link. Details of these limits are available in our FAQs.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out of our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. DEPOSIT A CHEQUE

12.1 The “Deposit a Cheque” function allows you to pay a cheque into your account by capturing and uploading images of it through the App.

12.2 Only cheques in pounds sterling can be paid into your account using this service. Certain types of cheques can’t be paid in using this service, including Eurocheques, Traveller Cheques, Giro Credits and Convenience Cheques. More information can be found in the Frequently Asked Questions section of our Support Centre.

12.3 When you pay a cheque into your account before 6pm, the money will be in your account before 11:59pm the next business day at the latest. If you pay a cheque into your account after 6pm or on a non-business day, this process will begin on the next business day.

12.4 You must keep a paper copy of your cheque until the funds are showing as “available” in your account.

12.5 There are some circumstances where your cheque may not be accepted. These will be explained to you when you’re using the service and full information can be found in the Frequently Asked Questions section of our Support Centre.

12.6 If your cheque is not accepted you can take it to a branch. Where information is missing from your cheque you may be asked to request a new cheque or alternate method of payment from the payer.

12.7 There are limits on the individual value and total daily value of cheques that you can deposit.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our Support Centre.  These limits may vary from time to time.

12.8 You will not be charged for paying a cheque into your personal account. If you are paying a cheque into your Business Banking account, you will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

13. CARBON FOOTPRINT TRACKER

13.1 The ‘Carbon Footprint Tracker’ function allows you to see how your spending contributes to your carbon footprint to help you make meaningful choices about your spending and lifestyle.

13.2 For this we have partnered with our trusted third party carbon footprint specialists and climate experts, CoGo (Connecting Good Limited (FC035290)).

13.3 The Carbon Footprint Tracker will securely send information about your spending (amount and merchant) to CoGo to analyse and apply a carbon footprint calculation to each transaction, which will make up your monthly carbon footprint score.  CoGo does this by analysing your anonymised outgoing transactions and matches them to industries (fashion, grocery, etc.). Then each transaction is multiplied by an Emissions Factor per industry to calculate the carbon footprint of that purchase in kilograms (kgs)of carbon dioxide/carbon dioxide equivalent (CO2/CO2e).

13.4 The information used to generate your carbon footprint is anonymised and we will not share your personal data with Cogo.

13.5 The Emissions Factor only represents the average emissions per transaction which means that the carbon dioxide calculation is an estimate and may not represent the true carbon footprint for each transaction. For example, a trip to a supermarket will on average produce 1.01 KG of CO2e per £ spent (less if you're a vegetarian).

13.6 The function will help you to switch your lifestyle choices by providing tips and recommendations of ways to reduce your carbon footprint.

13.7 If you no longer wish to track your carbon footprint, you can opt out in the app by going to Spending > Settings > Manage My footprint > and slide the toggle left to opt-out.

13.8 Data and insights gained from the Carbon Tracker will be used to shape future improvements to the tracker and the service we offer.

13.9 The Carbon Footprint tracker will only allow you to view your RBS accounts and not any other accounts you have added through “Accounts with other Banks.”

13.10 The Carbon Footprint tracker is provided for your information only and is designed to help to understand and manage your carbon footprint.  We are not responsible for any inaccurate or incomplete information. 

14. PayMe – Ask for Payment for Business Accounts

These terms only apply to customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) who are requesting a payment to that Business account.

14.1 You are responsible for generating a PayMe – Ask for Payment link request or QR code, including the amount of the request.

14.2 There are limits on the amount of payments for which you can generate a PayMe – Ask for Payment link request or QR code.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our website.  These limits may vary from time to time.

14.3 You must only send a PayMe – Ask for Payment link request or QR code to a buyer where:

• it is suitable and permitted under law to send a PayMe – Ask for Payment link request or QR code to the buyer;
• to the best of your knowledge, the buyer does not suffer from any disability or vulnerability which may interfere with the buyer’s ability to receive and/or use a PayMe – Ask for Payment link request or QR code;
• you have provided the buyer with a valid invoice, bill or other demand for payment for the goods and/or services to which the PayMe – Ask for Payment link request or QR code relates; and
• the buyer has agreed to receive the PayMe – Ask for Payment link request or QR code.

14.4 You must not modify any PayMe – Ask for Payment link requests or QR codes you receive from us.

14.5 Payments received into your Business account will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

14.6 You must conduct regular checks to ensure that all relevant transactions and PayMe – Ask for Payment link requests or QR codes have been processed correctly.

14.7 You must promptly provide to us on request any information relating to a transaction or any PayMe – Ask for Payment link request or QR code.

14.8 Transaction processing

We will not process a transaction or provide a PayMe – Ask for Payment link request or QR code where:

• we are taking compliance steps (see below);
• we suspect fraud or criminal activity; or
• in relation to a purchase transaction, the buyer’s account provider does not process the payment

Compliance steps may include the investigation of transactions and PayMe – Ask for Payment link requests or QR codes and making further enquiries as to whether any person or entity involved is suspected by us as being subject to national or international sanctions. We shall not be liable for any loss, liability or cost incurred by you as a result of us taking any compliance steps.

15. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

16. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

17. VARIATION/TERMINATION

17.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or, contact us on our webchat service on our website.

17.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

17.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

17.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

17.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.

We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

18. LICENCE TERMS

18.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

18.2 The Licence includes the right to use any future updates to the App that we make available to you.

18.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK).

18.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

18.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 17. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland Plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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1. Introduction

1.   Paym is a service offered by a number of banks and building societies, which allows money to be sent using the payee’s mobile phone number rather than their account number and sort code.

2.   These terms apply when you register your Royal Bank of Scotland account to receive Paym payments and should be read together with the general terms that apply to the account you have selected for Paym, which will be:

For current accounts:

• Royal Bank of Scotland Personal & Private Current Account Terms; or
• Personal and Private Banking – Terms and Conditions
  

For savings accounts:

• Royal Bank of Scotland Personal & Private Savings Account Terms; or
• Personal and Private Banking – Terms and Conditions

2. Registration

1.      You can register your Royal Bank of Scotland account to receive Paym payments via our Mobile Banking Application (if you are registered to use mobile banking) or by calling 0345366 0013 from the UK or +44 120 241 3754 from overseas. 

2.      For security reasons, you can only register the mobile phone number that we hold for you on our records. Please contact us if your mobile phone number has changed.

3.      You can only register your mobile phone number against one account at any time. We will tell you which of your accounts are eligible to receive Paym payments at the time of registration. If you have already registered your mobile phone number with another bank or building society to receive Paym payments you will need to cancel that registration before you can register your Royal Bank of Scotland account. 

4.      You will be unable to register a joint account to receive Paym payments if that account has been set up to only accept instructions from all account holders acting together. For all other joint accounts, each account holder can register a different mobile phone number to receive Paym payments into the same account.

3. Your information

1.      Details of your Paym registration (including your account number, sort code, mobile phone number and your name) will be stored on a central database, which is managed by Vocalink Limited on behalf of the banks and building societies who participate in the Paym service.

2.      By registering to receive Paym payments, you agree that these details can be disclosed to and used by:

• Vocalink Limited, its employees, contractors and suppliers; and
• Any bank or building society who participates in the Paym service (including its employees and contractors)for the purposes of providing the Paym service. 

3.      By registering to receive Paym payments, you also agree that your mobile phone number and your name can be disclosed to any other person who uses Paym. This includes customers of Royal Bank Of Scotland and any other bank or building society that participates in the Paym service and will allow those customers to match your mobile phone number with your name.

4. Suspension of your Paym registration

1.      We may suspend your Paym registration where:

• we have reasonable grounds to suspect that the security of your registration details is at risk;
• we consider it appropriate for your protection;
• we have reasonable grounds to suspect that your registration has been used in relation to fraudulent or illegal activities;
• you ask us to do so (by calling us on 0345366 0013 from the UK or +44 120 241 3754 from overseas); or
• we are required to do so by law or regulation. 

2.      Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will tell you before taking this action and will provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will tell you and give our reasons afterwards.

5. Cancelling or changing your Paym registration

1.      You can cancel your Paym registration or change the account that you have registered to another eligible account at any time through our Mobile Banking Application or by contacting us on 0345366 0013 from the UK or +44 120 241 3754 from overseas.

2.      We will cancel your Paym registration immediately if:

• the account you have registered is closed. This includes when you switch your account to another provider
• the account you have registered is changed to another account in our range which is not eligible to receive Paym payments;
• the mobile phone number you have registered for Paym is removed from or changed on our internal bank records. If this happens you can register your new mobile phone number for Paym by following the registration process outlined in these terms;
• another individual demonstrates that they are in possession of the mobile phone number that is registered against your account and (i) you cannot verify that the mobile phone number belongs to you or (ii) despite our reasonable efforts we are unable to contact you to check whether you are in possession of the mobile phone number that is being disputed; or
• we are required to do so by law or regulation.

3.      We can also cancel your Paym registration by giving you at least 60 days’ notice.

6. General terms

1.      If we have a valid reason for doing so, we may change these terms at any time by giving you at least 60 days’ notice. If you have not cancelled your Paym registration by the end of the 60 day period, you will be deemed to have accepted the changes.

2.      While we make reasonable efforts to provide a high quality of service, we will not be liable to you for any breach of our obligations where that breach is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary. This includes any suspension of the Paym service, our Mobile Banking Application or our phone lines resulting from maintenance and/or upgrades to our systems (or the systems of any party who provides our services or who is involved in the provision of the Paym service), other disruptions to our systems, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage. 

3.      English law applies to these terms unless you live in Scotland where Scots law will apply.

4.      The English courts have non-exclusive jurisdiction over any disputes arising between you and us, unless you live in Scotland where the Scottish courts will have non-exclusive jurisdiction.

5.      Paym is a registered trademark of Payments Council Limited (or its successors in title) and is used under licence.

6.      All communications to you will be in English.

We’re making the following changes to our Mobile Banking terms:

As the Paym service will no longer be available in the app from 4 February 2023, we’ve removed reference to this service from our Mobile Banking terms.

If you’re already registered for Paym, we’ll automatically register you for Pay Your Contacts. If you no longer want to be registered, you can cancel registration at any time. Just choose your profile in the app, tap ‘Paym registration’ and ‘Cancel’.

You can still use Pay Your Contacts to make payments using a mobile number when the payee holds an account with us and is registered for Pay Your Contacts.

For payees who don’t hold an account with us or aren’t registered for Pay Your Contacts, you can make mobile payments using their account number and sort code.

Your updated Mobile Banking terms

Please read the updated Mobile Banking terms below carefully. They’ll take effect on 4 February 2023 and will stay in the ‘Our Terms’ section of the app for future reference.

Need more help?

If you have any questions, please contact us on 0345 366 0013, by Relay UK on 18001 0345 366 0013 (or +44 2381 244 178 from outside the UK), or visit rbs.co.uk/support

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy policy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them on our website.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of the NatWest Group. For more information about our group of companies please visit the NatWest Group website or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• you're 11 or over
• you're registered for online banking
• you have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Royal Bank of Scotland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you on our website. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details) and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 or by Relay UK  on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 If the payee is registered for Paym, we'll send the payment to the account they've registered for Paym.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available in our FAQs.

8.11 You can register for Paym in the App. You’ll need to confirm your mobile number and select an eligible account to link to your mobile number.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out of our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your Royal Bank of Scotland accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. DEPOSIT A CHEQUE

12.1 The ”Deposit a Cheque” function allows you to pay a cheque into your account by capturing and uploading images of it through the App.

12.2 Only cheques in pounds sterling can be paid into your account using this service. Certain types of cheques can’t be paid in using this service, including Eurocheques, Traveller Cheques, Giro Credits and Convenience Cheques. More information can be found in our Support Centre.

12.3 When you pay a cheque into your account before 6pm, the money will be in your account before 11:59pm the next business day at the latest. If you pay a cheque into your account after 6pm or on a non-business day, this process will begin on the next business day.

12.4 You must keep a paper copy of your cheque until the funds are showing as “available” in your account.

12.5 There are some circumstances where your cheque may not be accepted. These will be explained to you when you’re using the service and full information can be found in the Frequently Asked Questions section of our Support Centre.

12.6 If your cheque is not accepted you can take it to a branch. Where information is missing from your cheque you may be asked to request a new cheque or alternate method of payment from the payer.

12.7 There are limits on the individual value and total daily value of cheques that you can deposit. These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our Support Centre. These limits may vary from time to time.

12.8 You will not be charged for paying a cheque into your personal account. If you are paying a cheque into your Business Banking account, you will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

13. CARBON FOOTPRINT TRACKER

13.1 The ‘Carbon Footprint Tracker’ function allows you to see how your spending contributes to your carbon footprint to help you make meaningful choices about your spending and lifestyle.

13.2 For this we have partnered with our trusted third party carbon footprint specialists and climate experts, CoGo (Connecting Good Limited (FC035290)).

13.3 The Carbon Footprint Tracker will securely send information about your spending (amount and merchant) to CoGo to analyse and apply a carbon footprint calculation to each transaction, which will make up your monthly carbon footprint score.  CoGo does this by analysing your anonymised outgoing transactions and matches them to industries (fashion, grocery, etc.). Then each transaction is multiplied by an Emissions Factor per industry to calculate the carbon footprint of that purchase in kilograms (kgs)of carbon dioxide/carbon dioxide equivalent (CO2/CO2e).

13.4 The information used to generate your carbon footprint is anonymised and we will not share your personal data with Cogo.

13.5 The Emissions Factor only represents the average emissions per transaction which means that the carbon dioxide calculation is an estimate and may not represent the true carbon footprint for each transaction. For example, a trip to a supermarket will on average produce 1.01 KG of CO2e per £ spent (less if you're a vegetarian).

13.6 The function will help you to switch your lifestyle choices by providing tips and recommendations of ways to reduce your carbon footprint.

13.7 If you no longer wish to track your carbon footprint, you can opt out in the app by going to Spending > Settings > Manage My footprint > and slide the toggle left to opt-out.

13.8 Data and insights gained from the Carbon Tracker will be used to shape future improvements to the tracker and the service we offer.

13.9 The Carbon Footprint tracker will only allow you to view your Royal Bank Of Scotland accounts and not any other accounts you have added through “Accounts with other Banks.”

13.10 The Carbon Footprint tracker is provided for your information only and is designed to help to understand and manage your carbon footprint.  We are not responsible for any inaccurate or incomplete information. 

14. PayMe – Ask for Payment for Business Accounts

These terms only apply to customers operating a Business account with us (for example, a sole trader, a partnership or an incorporated company) who are requesting a payment to that Business account.

14.1 You are responsible for generating a PayMe – Ask for Payment link request or QR code, including the amount of the request.

14.2 There are limits on the amount of payments for which you can generate a PayMe – Ask for Payment link request or QR code.  These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our website.  These limits may vary from time to time.

14.3 You must only send a PayMe – Ask for Payment link request or QR code to a buyer where:

• it is suitable and permitted under law to send a PayMe – Ask for Payment link request or QR code to the buyer;
• to the best of your knowledge, the buyer does not suffer from any disability or vulnerability which may interfere with the buyer’s ability to receive and/or use a PayMe – Ask for Payment link request or QR code;
• you have provided the buyer with a valid invoice, bill or other demand for payment for the goods and/or services to which the PayMe – Ask for Payment link request or QR code relates; and
• the buyer has agreed to receive the PayMe – Ask for Payment link request or QR code

14.4 You must not modify any PayMe – Ask for Payment link requests or QR codes you receive from us.

14.5 Payments received into your Business account will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available on our website.

14.6 You must conduct regular checks to ensure that all relevant transactions and PayMe – Ask for Payment link requests or QR codes have been processed correctly.

14.7 You must promptly provide to us on request any information relating to a transaction or any PayMe – Ask for Payment link request or QR code.

14.8 Transaction processing

We will not process a transaction or provide a PayMe – Ask for Payment link request or QR code where:

• we are taking compliance steps (see below);
• we suspect fraud or criminal activity; or
• in relation to a purchase transaction, the buyer’s account provider does not process the payment

Compliance steps may include the investigation of transactions and PayMe – Ask for Payment link requests or QR codes and making further enquiries as to whether any person or entity involved is suspected by us as being subject to national or international sanctions. We shall not be liable for any loss, liability or cost incurred by you as a result of us taking any compliance steps.

15. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

16. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

17. VARIATION/TERMINATION

17.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK) or contact us on our webchat service on our website.

17.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

17.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

17.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

17.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.

We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

18. LICENCE TERMS

18.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

18.2 The Licence includes the right to use any future updates to the App that we make available to you.

18.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 or by Relay UK on 18001 0345 366 0013 (+44 2381 244 178 from outside the UK).

18.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

18.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 16. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice rbs.co.uk/privacy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at rbs.co.uk/mobileterms.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of the NatWest Group. For more information about our group of companies please visit natwestgroup.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're 11 or over
• You're registered for online banking
• You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Royal Bank of Scotland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 If the payee is registered for Paym, we'll send the payment to the account they've registered for Paym.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available here.

8.11 You can register for Paym in the App. You’ll need to confirm your mobile number and select an eligible account to link to your mobile number.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy, available here.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out with our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your Royal Bank of Scotland accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. DEPOSIT A CHEQUE

12.1 The ”Deposit a Cheque” function allows you to pay a cheque into your account by capturing and uploading images of it through the App.

12.2 Only cheques in pounds sterling can be paid into your account using this service. Certain types of cheques can’t be paid in using this service, including Eurocheques, Traveller Cheques, Giro Credits and Convenience Cheques. More information can be found in the Frequently Asked Questions section of our website.

12.3 When you pay a cheque into your account before 6pm, the money will be in your account before 11:59pm the next business day at the latest. If you pay a cheque into your account after 6pm or on a non-business day, this process will begin on the next business day.

12.4 You must keep a paper copy of your cheque until the funds are showing as “available” in your account.

12.5 There are some circumstances where your cheque may not be accepted. These will be explained to you when you’re using the service and full information can be found in the Frequently Asked Questions section of our website.

12.6 If your cheque is not accepted you can take it to a branch. Where information is missing from your cheque you may be asked to request a new cheque or alternate method of payment from the payer.

12.7 There are limits on the individual value and total daily value of cheques that you can deposit. These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our website. These limits may vary from time to time.

12.8 You will not be charged for paying a cheque into your personal account. If you are paying a cheque into your Business Banking account, you will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available here: https://www.business.rbs.co.uk/business/support-centre/manage-your-account/manage-your-account-charges.html

13. CARBON FOOTPRINT TRACKER

13.1 The ‘Carbon Footprint Tracker’ function allows you to see how your spending contributes to your carbon footprint to help you make meaningful choices about your spending and lifestyle. 

13.2 For this we have partnered with our trusted third party carbon footprint specialists and climate experts, CoGo (Connecting Good Limited (FC035290)).

13.3 The Carbon Footprint Tracker will securely send information about your spending (amount and merchant) to CoGo to analyse and apply a carbon footprint calculation to each transaction, which will make up your monthly carbon footprint score.  CoGo does this by analysing your anonymised outgoing transactions and matches them to industries (fashion, grocery, etc.). Then each transaction is multiplied by an Emissions Factor per industry to calculate the carbon footprint of that purchase in kilograms (kgs)of carbon dioxide/carbon dioxide equivalent (CO2/CO2e).

13.4 The information used to generate your carbon footprint is anonymised and we will not share your personal data with Cogo. 

13.5 The Emissions Factor only represents the average emissions per transaction which means that the carbon dioxide calculation is an estimate and may not represent the true carbon footprint for each transaction. For example, a trip to a supermarket will on average produce 1.01 KG of CO2e per £ spent (less if you're a vegetarian). 

13.6 The function will help you to switch your lifestyle choices by providing tips and recommendations of ways to reduce your carbon footprint.

13.7 If you no longer wish to track your carbon footprint, you can opt out in the app by going to Spending > Settings > Manage My footprint > and slide the toggle left to opt-out.

13.8 Data and insights gained from the Carbon Tracker will be used to shape future improvements to the tracker and the service we offer.

13.9 The Carbon Footprint tracker will only allow you to view your Royal Bank Of Scotland accounts and not any other accounts you have added through “Accounts with other Banks.”

13.10 The Carbon Footprint tracker is provided for your information only and is designed to help to understand and manage your carbon footprint.  We are not responsible for any inaccurate or incomplete information.  

14. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

15. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

16. VARIATION/TERMINATION

16.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contact us on our webchat service at rbs.co.uk.

16.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

16.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

16.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

16.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.

We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

17. LICENCE TERMS

17.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

17.2 The Licence includes the right to use any future updates to the App that we make available to you.

17.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

17.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

17.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 15. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

Back to top

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice rbs.co.uk/privacy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at rbs.co.uk/mobileterms.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of the NatWest Group. For more information about our group of companies please visit natwestgroup.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're 11 or over
• You're registered for online banking
• You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Royal Bank of Scotland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 If the payee is registered for Paym, we'll send the payment to the account they've registered for Paym.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available here.

8.11 You can register for Paym in the App. You’ll need to confirm your mobile number and select an eligible account to link to your mobile number.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy, available here.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out with our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your Royal Bank of Scotland accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. DEPOSIT A CHEQUE

12.1 The ”Deposit a Cheque” function allows you to pay a cheque into your account by capturing and uploading images of it through the App.

12.2 Only cheques in pounds sterling can be paid into your account using this service. Certain types of cheques can’t be paid in using this service, including Eurocheques, Traveller Cheques, Giro Credits and Convenience Cheques. More information can be found in the Frequently Asked Questions section of our website.

12.3 When you pay a cheque into your account before 6pm, the money will be in your account before 11:59pm the next business day at the latest. If you pay a cheque into your account after 6pm or on a non-business day, this process will begin on the next business day.

12.4  You must keep a paper copy of your cheque until the funds are showing as “available” in your account.

12.5 There are some circumstances where your cheque may not be accepted. These will be explained to you when you’re using the service and full information can be found in the Frequently Asked Questions section of our website.

12.6 If your cheque is not accepted you can take it to a branch. Where information is missing from your cheque you may be asked to request a new cheque or alternate method of payment from the payer.

12.7 There are limits on the individual value and total daily value of cheques that you can deposit. These will be shown to you in the App when you use the service and can also be found in the Frequently Asked Questions section of our website. These limits may vary from time to time.

12.8 You will not be charged for paying a cheque into your personal account. If you are paying a cheque into your Business Banking account, you will be charged in accordance with our standard Business Account Charges Booklet, a copy of which is available here: https://www.business.rbs.co.uk/business/support-centre/manage-your-account/manage-your-account-charges.html

13. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

14. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

15. VARIATION/TERMINATION

15.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contact us on our webchat service at rbs.co.uk.

15.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

15.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

15.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

15.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.

We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

16. LICENCE TERMS

16.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

16.2 The Licence includes the right to use any future updates to the App that we make available to you.

16.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

16.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

16.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 15. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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We’re making the following changes to our Mobile Banking Terms:

1. We’re updating our variation clause, so that we can introduce new mobile banking features to you more quickly. The change will allow us to update the terms immediately when we launch a new feature into the App. We’ll still tell you about the updates as soon as we can and we’ll still give you 60 days’ notice if we ever need to make any other change to the terms.
2. We’ve made a small change to the terms to reflect that you can now add your savings accounts to the “Spending” feature in the App.
3. In July 2020, we changed the name of our group of companies from The Royal Bank of Scotland Group to the NatWest Group and we’re updating the terms to reflect this. Don’t worry, this change has no impact on your use of the Mobile App, any of your accounts or any of our other services and you’ll continue to be a customer of The Royal Bank of Scotland.

Your updated Mobile Banking Terms

Please read the updated Mobile Banking Terms carefully. They’ll take effect on 1st April 2021 and will stay in the “Help” section of the App for future reference.

Need more help?

If you have any queries, please contact us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or visit rbs.co.uk/mobile

Remember that, if you want to, you can end your use of Mobile Banking at any time by deleting the App from your phone, messaging us through the “Help” section in the App, or calling us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

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1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice rbs.co.uk/privacy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at rbs.co.uk/mobileterms.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of the NatWest Group. For more information about our group of companies please visit natwestgroup.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're 11 or over
• You're registered for online banking
• You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Royal Bank of Scotland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 If the payee is registered for Paym, we'll send the payment to the account they've registered for Paym.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available here.

8.11 You can register for Paym in the App. You’ll need to confirm your mobile number and select an eligible account to link to your mobile number.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy, available here.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out with our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your Royal Bank of Scotland accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

13. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

14. VARIATION/TERMINATION

14.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contact us on our webchat service at rbs.co.uk.

14.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

14.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

14.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

14.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking). If we need to update the Terms to introduce a new feature into the App, which does not change the Terms relating to any existing features, we may do so immediately and will tell you as soon as we can afterwards. If we make any other change to the Terms, we’ll give you at least 60 days' notice before it takes effect.  

We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

15. LICENCE TERMS

15.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

15.2 The Licence includes the right to use any future updates to the App that we make available to you.

15.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

15.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

15.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 13. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice rbs.co.uk/privacy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at rbs.co.uk/mobileterms.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're 11 or over
• You're registered for online banking
• You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Royal Bank of Scotland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 If the payee is registered for Paym, we'll send the payment to the account they've registered for Paym.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available here.

8.11 You can register for Paym in the App. You’ll need to confirm your mobile number and select an eligible account to link to your mobile number.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Accounts with other banks” function allows you to add accounts you hold with other UK banks (Account Providers), so you can view those other accounts on the App. The accounts you can add will be determined by your Account Provider and not by us.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in in the usual way. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy, available here.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out with our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. SPENDING

10.1 The “Spending” function allows you to see your transactions by category (for example, groceries) and will help to give you a better overall understanding of your spending.

10.2 Spending will analyse your existing account information and show you how your spending compares month on month. You can change the accounts you want Spending to analyse or the day of the month you want your analysis to start (for example, you might want it to start from the day you are paid each month) in the ‘Settings’ section of Spending. You will also be able to make some changes to how your transactions are categorised in ‘Settings’.

10.3 Spending will only allow you to view your [Royal Bank of Scotland]current accounts and not any other accounts you have added through “Accounts with other banks.”

10.4 Any information provided through insights or alerts from Spending is provided for information only and is designed to help you manage your finances. It is not financial, professional, legal or tax advice.

11. RECEIPTS

11.1 The ”Receipts” function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

11.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

11.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

11.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

12. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

13. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

14. VARIATION/TERMINATION

14.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contact us on our webchat service at rbs.co.uk.

14.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

14.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

14.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

14.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days' notice before the change takes effect. We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

15. LICENCE TERMS

15.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

15.2 The Licence includes the right to use any future updates to the App that we make available to you.

15.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

15.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

15.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 13. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice rbs.co.uk/privacy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at rbs.co.uk/mobileterms.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're 11 or over
• You're registered for online banking
• You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Royal Bank of Scotland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows to send money to a third party from your personal account by using the payee's mobile phone number, rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 If the payee is registered for Paym, we'll send the payment to the account they've registered for Paym.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits are available here.

8.11 You can register for Paym in the App. You’ll need to confirm your mobile number and select an eligible account to link to your mobile number.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Adding an Account” function allows you to add current accounts you hold with other UK banks (Account Providers), so you can view your other current accounts on the App.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy, available here.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out with our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

10. RECEIPTS

10.1 The receipts function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.

10.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

10.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

10.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

11. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

12. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

13. VARIATION/TERMINATION

13.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contact us on our webchat service at rbs.co.uk.

13.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

13.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

13.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

13.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days' notice before the change takes effect. We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

14. LICENCE TERMS

14.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

14.2 The Licence includes the right to use any future updates to the App that we make available to you.

14.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

14.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

14.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 13. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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Pay Your Contacts changes

We’re making some changes to the way you can pay your contacts through the Mobile App.

As a reminder, the “Pay Your Contacts” feature allows you to send payments using the payee’s mobile phone number instead of their account details. You can currently make a payment to a mobile customer who is either:

1. registered to use the RBS, NatWest, Ulster Bank, NatWest International or Isle of Man Bank Mobile Banking Apps (the Group Apps); or
2. on the nationwide Paym database.

From 3rd June 2019, you’ll no longer be able to send this type of payment to a customer registered to use our Group Apps. This means you’ll only be able to send this type of payment to someone who is registered for the industry-wide Paym service. It’s easy to register for Paym within the iPhone App by clicking Profile > Settings > Payment services > Register for Paym. For Android click on the top left menu >Paym registration.

You can still send other payments from the App to someone you’ve already set up as a payee on online banking, or to anyone if you have their bank details and the payment is less than the payment limit.

Further changes

• We’ve also removed the FAQs feature from our Mobile App. Instead, you can ask us questions through our Digital Assistant “Cora” within the App, which is available 24 hours a day.

• You can currently end your use of Mobile Banking by texting “STOP” to 87727. We’ll be removing this feature from 3 June 2019, but you can still end Mobile Banking if you want to, by deleting the App from your phone, contacting our Digital Assistant “Cora” in the App, or ringing us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

Summary

We’re updating our Mobile Banking Terms to:

• reflect the changes we’re making to Pay Your Contacts;
• remove the references to our FAQs, which no longer exist; and
• reflect the changes to how you can end Mobile Banking.

Please read the updated Mobile Banking Terms carefully. They’ll take effect on 3rd June 2019 and will stay in the “Help” section of the App for future reference.

Need more help?

If you have any queries, please contact us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or visit rbs.co.uk/mobile

Back to top

1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made and what happens if something goes wrong. For details on how we use your information, please see our privacy notice rbs.co.uk/privacy. It's important that you read this carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at rbs.co.uk/mobileterms.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're 11 or over
• You're registered for online banking
• You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Royal Bank of Scotland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows you to send money to a third party by using the payee's mobile phone number rather than their account number and sort code.

8.4 You can use this service to make payments to:

• anyone who has registered to use the RBS, NatWest, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile Banking Apps (the Group Apps); and
• anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 If the payee is registered to use one of the Group Apps and Paym, we'll send the payment to one of the accounts linked to their Group App.

8.8 If the payee isn't registered to use one of the Group Apps but is registered for Paym, we'll send the payment to the account they've registered for Paym.

8.9 Once you've asked us to make a payment you won't be able to cancel it. If you realise that you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.10 We'll notify you within the App if we're unable to make a payment.

8.11 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.

9. ADDING ACCOUNTS WITH OTHER BANKS

9.1 The “Adding an Account” function allows you to add current accounts you hold with other UK banks (Account Providers), so you can view your other current accounts on the App.

9.2 If you decide to add another account to the App, you’ll be asked to verify yourself with your Account Provider. This means you’ll be taken to your Account Provider’s log in page and asked to log in. You’ll then be brought back to the App, where the account information will be displayed. You’ll need to verify yourself this way every time you add a new account to the App.

9.3 We won’t see, store or use any of your log in details for any account you hold with an Account Provider. We’ll use and store the data we receive from your Account Provider in accordance with our Account Aggregation Privacy Policy, available here.

9.4 If you add an account from an Account Provider to the App, you’re giving us permission to contact your Account Provider to request your account information. You’ll be asked to renew this permission every 90 days. If you don’t renew your permission every 90 days, we’ll stop requesting information from your Account Provider. You can choose to remove your permission at any time. If you remove your permission, we’ll stop requesting information from your Account Provider. Depending on your Account Provider, they may continue to send us your account information after we have stopped requesting it.

9.5 To keep the information on your accounts up to date, we’ll automatically refresh your account information periodically throughout the day. The time the information was last refreshed will be shown in the App. You can also manually refresh the information when you are in the App.

9.6 The information we can show you about your other accounts is limited to the information that your Account Provider gives us. We aren’t responsible for any inaccurate or incomplete information.

9.7 Your Account Provider may restrict our access to your account information for reasons out with our control. If this happens, you may not be able to view your account information on our App.

9.8 If you see any suspicious activity on your account held with your Account Provider, you should contact them directly and not us. We’re not able to pass any notifications about suspicious activity to your Account Provider on your behalf.

9.9 More details of this feature can be found in the Frequently Asked Questions section of the App.

10. RECEIPTS

10.1 The receipts function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.  More details of this feature can be found in the Frequently Asked Questions section of the App.

10.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

10.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

10.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

11. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

12. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

13. VARIATION/TERMINATION

13.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK), contact us on our webchat service at rbs.co.uk or text STOP to 87727.

13.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

13.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

13.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

13.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days' notice before the change takes effect. We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

14. LICENCE TERMS

14.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

14.2 The Licence includes the right to use any future updates to the App that we make available to you.

14.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

14.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

14.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 12. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 114724.

The Royal Bank of Scotland plc. Registered in Scotland No. 83026. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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From 22nd January 2018, business banking customers will be able to use our new receipts feature.

The receipts feature allows you to capture, view, manage and export your receipts.

 We’ve updated our Mobile Banking Terms to reflect this new service - please read the updated terms carefully. They’ll take effect on 22nd January 2018 and can be found in the “Help” section of the App or at rbs.co.uk/mobileterms for future reference.

If you have any questions, please contact us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or visit rbs.co.uk/mobile.

If, for any reason, you no longer want to use Mobile Banking, you can cancel this service by deleting the App from your phone and calling us on the numbers above, contacting us on our webchat service at rbs.co.uk or texting "STOP" to 87727. (Standard network charges may apply).

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1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made, what happens if something goes wrong and how we use your information, so it's important that you read them carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at rbs.co.uk/mobileterms.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

2. OUR DETAILS

We're a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're 11 or over
• You're registered for online banking
• You have a valid mobile phone number

3.2 To use Mobile Banking you need to download the Royal Bank of Scotland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

4.1 You must take all reasonable steps to keep your security details safe (including any passwords or log-in details)  and you must tell us as soon as possible if you think someone else might know your security details by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.2 We'll never ask you to give your full security details to us or to any other person or organisation.

4.3 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.4 If your device is lost or stolen you must contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.5 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you should tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3 Pay Your Contacts allows you to send money to a third party by using the payee's mobile phone number rather than their account number and sort code.

8.4 You can use this service to make payments to:

• anyone who has registered to use the RBS, NatWest, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile Banking Apps (the Group Apps); and
• anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 If the payee is registered to use one of the Group Apps and Paym, we'll send the payment to one of the accounts linked to their Group App.

8.8 If the payee isn't registered to use one of the Group Apps but is registered for Paym, we'll send the payment to the account they've registered for Paym.

8.9 Once you've asked us to make a payment you won't be able to cancel it. If you realise that you've given us an incorrect mobile phone number or payment amount, you must tell us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.10 We'll notify you within the App if we're unable to make a payment.

8.11 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.

9. RECEIPTS

9.1 The receipts function allows you to capture and upload images of your paper receipts, or email copies of your receipts to a designated email address, and access them digitally through the App.  More details of this feature can be found in the Frequently Asked Questions section of the App.

9.2 You should keep the original copy of any receipt you upload in case it’s required for any return, warranty, tax return or any other purpose that may arise. We will not be liable for any loss of receipt data or loss of access to uploaded receipts.

9.3 Your receipts may include personal information such as your name, partial card numbers, description of the goods and services, location of the merchant and other information.  They may also include sensitive personal information, for example, relating to racial or ethnic origin, political opinions, trade union membership, physical or mental health conditions, sexual orientation, or information relating to actual or alleged criminal offences. By uploading receipts to the App, you consent to us holding this information, so it’s important that you review your receipts carefully before uploading them.

9.4 You’re responsible for the accuracy of your own accounting records and tax returns, which may use information from the receipt management tool.

10. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

11. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

12. VARIATION/TERMINATION

12.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK), contact us on our webchat service at rbs.co.uk or text STOP to 87727.

12.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

12.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept safe;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you use your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

12.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

12.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days' notice before the change takes effect. We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

13. LICENCE TERMS

13.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

13.2 The Licence includes the right to use any future updates to the App that we make available to you.

13.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

13.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

13.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 12. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 121878.

The Royal Bank of Scotland plc. Registered in Scotland No. 90312. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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From 8th November 2016, you’ll be able to send payments to anyone who has registered for Paym.

Paym is a service offered by a number of banks and building societies. It allows you to send money to anyone registered for the service by using their mobile phone number, rather than their account number and sort code. It’s part of our Pay Your Contacts service, which already lets you send money in this way to anyone who is registered to use the Royal Bank of Scotland, NatWest, Ulster Bank, NatWest Offshore or Isle of Man Bank apps. You can find out more about Paym at paym.co.uk.

We’ve updated our terms to reflect this new service - please read the updated Mobile Banking Terms carefully. They’ll take effect on 8 November 2016 and will stay in the “More” section of the App for future reference.

If you have any questions, please contact us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or visit rbs.co.uk/mobile.

If you no longer wish to use Mobile Banking, you can cancel this service by deleting the App from your phone and texting "STOP" to 87727. (Standard network charges may apply).

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1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. (RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made, what happens if something goes wrong and how we use your information, so it's important that you read them carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at rbs.co.uk/mobileterms.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

1.3 If you live in Scotland, Scots law applies and the Scottish courts have non-exclusive jurisdiction over any disputes between us. If you live elsewhere, English law applies and the English courts have non-exclusive jurisdiction over any disputes between us.

2. OUR DETAILS

We're a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're 11 or over
• You're registered for online banking
• You have a valid UK mobile phone number

3.2 To use Mobile Banking you need to download the Royal Bank of Scotland Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

Your security details

4.1 You must keep all your security details secret (including any passwords or log-in details). This means that you mustn't give these details to any other person or record them in any way that could allow another person to access them.

4.2 You must tell us immediately if you think someone else might know your security details by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.3 We'll never ask you to disclose your full security details to us or to any other person or organisation. Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

Your device

4.4 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.5 If your device is lost or stolen you must contact us immediately by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.6 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you must tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3. Pay Your Contacts allows you to send money to a third party by using the payee's mobile phone number rather than their account number and sort code.

8.4 You can use this service to make payments to:

• anyone who has registered to use the RBS, NatWest, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile Banking Apps (the Group Apps); and
• anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.

You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 If the payee is registered to use one of the Group Apps and Paym, we'll send the payment to one of the accounts linked to their Group App.

8.8 If the payee isn't registered to use one of the Group Apps but is registered for Paym, we'll send the payment to the account they've registered for Paym.

8.9 Once you've asked us to make a payment you won't be able to cancel it. If you realise that you've given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.10 We'll notify you within the App if we're unable to make a payment.

8.11 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.

9. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

10. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

11.VARIATION/TERMINATION

11.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or text STOP to 87727.

11.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

11.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept secret;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you operate your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

11.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

11.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days' notice before the change takes effect. We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

12. LICENCE TERMS

12.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;
• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

12.2 The Licence includes the right to use any future updates to the App that we make available to you.

12.3 We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

12.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

12.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 121878.

The Royal Bank of Scotland plc. Registered in Scotland No. 90312. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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We're making some changes to Pay Your Contacts.

As a reminder, Pay Your Contacts allows you to send payments using the payee's mobile phone number instead of their account details.

On 19th April 2016, we'll be removing the part of the service that allows you to send this type of payment to someone based on them having a Visa debit, credit or prepaid card. You'll still be able to send a Pay Your Contacts payment to someone who is registered for the RBS, NatWest, Ulster Bank, NatWest Offshore or Isle of Man Bank App and you can still send other payments from the App to anyone you've already set up as a payee on online banking.

We're updating our Mobile Banking Terms to:

• reflect the changes we're making to Pay Your Contacts;
• explain the different ways that we can tell you about changes to the Mobile Banking Terms; and
• make them clearer to you.

Please read the updated Mobile Banking Terms carefully. They'll take effect on 19th April 2016 and will stay in the "More" section of the App for future reference.

Need more help?

If you have any queries, please contact us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or visit rbs.co.uk/mobile.

If you no longer wish to use Mobile Banking, you can cancel this service by deleting the App from your phone and texting "STOP" to 87727.(Standard network charges may apply).

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1. INTRODUCTION

1.1 These Terms apply to the Mobile Banking service ( Mobile Banking) and form part of the agreement between you and us, The Royal Bank of Scotland plc. ( RBS). The terms that apply to the account(s) you access through Mobile Banking (your Account Terms), also form part of our agreement. Your Account Terms include details of how payments are made, what happens if something goes wrong and how we use your information, so it's important that you read them carefully together with these Terms.

If you ever need up-to-date copies of these Terms, please ask us and we'll give you a copy. You can also find them at rbs.co.uk/mobileterms.

1.2 If you have any questions about these Terms, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK). If there is any inconsistency between these Terms and your Account Terms, these Terms will apply.

1.3 If you live in Scotland, Scots law applies and the Scottish courts have non-exclusive jurisdiction over any disputes between us. If you live elsewhere, English law applies and the English courts have non-exclusive jurisdiction over any disputes between us.

2. OUR DETAILS

We're a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.

3. THE SERVICE

3.1 You can only use Mobile Banking if:

• You're 11 or over
• You're registered for online banking
• You have a valid UK mobile phone number

3.2 To use Mobile Banking you need to download the RBS Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you're using and the type of account you have.

3.3 You're responsible for ensuring that your device is capable of operating the App (which we'll update from time to time). We can't guarantee that we'll continue to support the operating system used by your device.

3.4 There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party we use to provide Mobile Banking. We'll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you're unable to use the App and we'll do our best to help.

4. SECURITY

Your security details

4.1 You must keep all your security details secret (including any passwords or log-in details). This means that you mustn't give these details to any other person or record them in any way that could allow another person to access them.

4.2 You must tell us immediately if you think someone else might know your security details by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.3 We'll never ask you to disclose your full security details to us or to any other person or organisation. Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

Your device

4.4 You must not leave the device you're using unattended while you're logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure.

4.5 If your device is lost or stolen you must contact us immediately by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or by contacting your branch.

4.6 You must delete the App from your device if you change your device or dispose of it.

5. INCORRECT OR UNAUTHORISED PAYMENTS

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK) or contacting your branch. Please read your Account Terms for further information on incorrect and unauthorised payments.

6. YOUR CONTACT DETAILS

If your contact details (including your mobile phone number or email address) change, you must tell us as soon as you can.

7. INSTRUCTIONS

You're responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority.

8. PAYMENTS

General

8.1 Your Account Terms explain how payments into and out of your account work. The section below contains information on Pay Your Contacts, which is a payment service that is specific to Mobile Banking and therefore isn't included in your Account Terms.

8.2 When you make a payment through Mobile Banking we'll make the payment using the Faster Payments Service if possible. If we can't use the Faster Payments Service we'll advise you of alternative ways to make the payment.

Pay Your Contacts

8.3. Pay Your Contacts allows you to send money to a third party by using the payee's mobile phone number rather than their account number and sort code.

8.4 You can use this service to make payments to anyone who has registered to use the RBS, NatWest, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile Banking Apps (the Group Apps).

8.5 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in pounds sterling.
• You're responsible for ensuring that these details are correct.

8.6 When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.

8.7 We'll send the payment to one of the accounts linked to the payee's Group App.

8.8 Once you've asked us to make a payment you won't be able to cancel it. If you realise that you've given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by calling 0345 366 0013 (or +44 2381 244 178 from outside the UK). Where possible we'll try to recover the payment, but might not be able to do so. We won't be liable to you if we're unable to recover a payment in these circumstances.

8.9 We'll notify you within the App if we're unable to make a payment.

8.10 There's a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.

9. CHARGES

We don't currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when outside the UK.

10. OUR LIABILITY

We won't be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.

11.VARIATION/TERMINATION

11.1 You're free to cancel Mobile Banking at any time. If you'd like to do this, please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK) or text STOP to 87727.

11.2 If you haven't used the App for 6 months your Mobile Banking access will be deactivated and you'll have to re-register in order to use Mobile Banking again.

11.3 We may suspend, restrict or end your use of Mobile Banking or any part of it where:

• we reasonably believe that your security details haven't been kept secret;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you operate your account(s) or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it's appropriate in order to protect your account(s);
• you've broken any of the Licence Terms set out below.

We'll tell you before we take any of these steps and we'll explain why we've done so, unless we're unable to contact you or there's a legal reason or other circumstance beyond our control that stops us from doing so. If we can't get hold of you beforehand, we'll (where possible) tell you and explain our reasons afterwards.

11.4 We can also end your use of Mobile Banking or remove the App by giving you at least 60 days' notice.

11.5 If we have a valid reason for doing so, we may change these Terms (which may include introducing charges for Mobile Banking) by giving you at least 60 days' notice before the change takes effect. We'll tell you about any changes by:

• notifying you within the App;
• sending a text message (to the mobile phone number you gave us);
• sending an email (to the email address you gave us);
• delivering a secure message to online banking; or
• sending you notice by post.

We'll assume that you've accepted the changes unless you uninstall the App or tell us that you'd like to cancel Mobile Banking before the change takes effect.

12. LICENCE TERMS

12.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

you can only use the App on a registered device belonging to you or under your control. You'll need to register each additional or replacement device separately;

• you can only use the App for Mobile Banking and for no other purpose;
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person or organisation;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not analyse or reverse engineer the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App, including all relevant intellectual property rights, remains with us;

if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

12.2 The Licence includes the right to use any future updates to the App that we make available to you.

12.3We're solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please call us on 0345 366 0013 (or +44 2381 244 178 from outside the UK).

12.4 If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.

12.5 We'll assume that you've accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 11. If the Licence is terminated for any reason you must uninstall the App and destroy all copies of it.

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 121878.

The Royal Bank of Scotland plc. Registered in Scotland No. 90312. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB.

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On 30th June 2015 we’ll be offering a new service within the Mobile Banking app, which will allow you to send payments through the Paym scheme. Paym is a service offered by a number of banks and building societies, which allows you to send and receive payments using just a mobile phone number. You can find out more about Paym at paym.co.uk. 

We've also taken this opportunity to simplify our Terms.  

These changes will take effect on 30th June 2015.  

Read our new Mobile Banking Terms 

Please read these terms carefully. They'll stay in the "More" section for future reference.  

Need more help?  

If you have any queries, please contact us on 0345 366 0013 from the UK or +44 120 241 3754 from overseas or visit rbs.co.uk/mobile  

If you no longer wish to use Mobile Banking, you can cancel this service by deleting the App from your phone or texting “STOP” to 87727. 

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1. INTRODUCTION 

1.1 These Terms apply to the Mobile Banking service (Mobile Banking) and form part of the agreement between you and us, the The Royal Bank of Scotland plc. (RBS). Your Core Terms (which set out general terms for using your account and include details of how we use your information) also form part of the agreement along with any document identified within those Core Terms as being included in that agreement. It’s important that you read these Terms carefully together with the Core Terms. The Core Terms are: 

For current accounts:

• RBS Personal & Private Current Account Terms;

 For savings accounts:

• RBS Personal & Private Savings Account Terms;
• Personal and Private Banking – Terms and Conditions

For credit cards:

• Your RBS credit card agreement including the General Conditions.

If you ever need up-to-date copies of these Terms, please ask us and we’ll give you a copy. You can also find them at rbs.co.uk.  

1.2 If you have any questions about these Terms, please contact us on 0345 366 0013 from the UK or +44 120 241 3754 from overseas. If there is any inconsistency between these Terms and your Core Terms, these Terms will apply.  

1.3 If you live in Scotland, Scots law applies and the Scottish courts have non-exclusive jurisdiction over any disputes between us. If you live elsewhere, English law applies and the English courts have non-exclusive jurisdiction over any disputes between us.  

2. OUR DETAILS  

We’re a member of The Royal Bank of Scotland Group. For more information about our group of companies please visit rbs.com or contact your branch.  

3. THE SERVICE  

3.1 You can only use Mobile Banking if:

• You’re aged 11 or over
• You’re registered for online banking
• You have a valid UK mobile phone number

3.2  To use Mobile Banking you’ll need to download the RBS Mobile Banking application (the App). You can find further details on how to register and full details of the range of services available to you at rbs.co.uk/mobile. The services that are available to you may vary depending on the type of device you’re using.  

3.3 You’re responsible for ensuring that your device is capable of operating the App (which we’ll update from time to time). We can’t guarantee that we’ll continue to support the operating system used by your device.  

3.4  There may be times when the App is unavailable for you to use due to maintenance, repairs or upgrades to our systems or the systems of any party used to provide Mobile Banking. We’ll aim to notify you in advance of any maintenance work but may not always be able to do so. Please contact us if you’re unable to use the App and we’ll do our best to help. 

4. SECURITY  

4.1 Your security details  

4.1.1 You must keep all of your security details secret (including any passwords or log-in details). This means that you mustn’t give these details to any other person or record them in any way that could allow another person to access them. 

4.1.2 You must tell us immediately if you think someone else might know your security details by calling 0345 366 0013 from the UK or +44 120 241 3754 from overseas or by contacting your branch. 

4.1.3 We’ll never ask you to disclose your full security details to us or to any other person or organisation.Even if the person requesting your details is using our name and logo and appears to be genuine, you must not share your details with them. You should report any such requests to us immediately by calling 0345 366 0013 from the UK or +44 120 241 3754 from overseas or by contacting your branch. 

4.2 Your device 

 4.2.1 You must not leave the device you’re using unattended while you’re logged on to Mobile Banking and you must make sure that any information stored or displayed on your device is kept secure. 

4.2.2 If your device is lost or stolen you must contact us immediately by calling 0345 366 0013 from the UK or +44 120 241 3754 from overseas or by contacting your branch.  

4.2.3 You must delete the App from your device if you change your device or dispose of it. 

4.3 Incorrect or unauthorised payments  

If you suspect that an incorrect or unauthorised payment has been made from your account, please contact us immediately by calling 0345 366 0013 from the UK or +44 120 241 3755 from overseas or contacting your branch. Please read your Core Terms for further information on incorrect and unauthorised payments.  

4.4 Your contact details  

You should tell us promptly if your contact details (including your mobile phone number or email address) change.  

5. INSTRUCTIONS  

You’re responsible for all instructions given through Mobile Banking, by you or anyone acting with your authority. 

6. PAYMENTS 

6.1 General  

6.1.1 Your Core Terms explain the different ways you can pay money into your account or take money out of your account.  

6.1.2 Terms 6.2 to 6.4 below set out a payment service that is specific to Mobile Banking and is therefore not included in your Core Terms. 

6.1.3 Unless Term 6.4 applies, when you make a payment through Mobile Banking we’ll make the payment using the Faster Payments Service if possible. If we can’t use the Faster Payments Service we’ll advise you of alternative ways to make the payment.  

6.2 Pay Your Contacts (General)  

6.2.1 Pay Your Contacts is a service within the App, which allows you to send money to a third party by using the payee’s mobile phone number rather than their account number and sort code. 

6.2.2 You can use this service to make payments to:

• anyone who has registered to use the RBS, NatWest, Ulster Bank, NatWest Offshore or Isle of Man Bank Mobile Banking Apps (the Group Apps).
• anyone who has registered for Paym (which is a service offered by a number of banks and building societies to allow you to send and receive payments in this way). 
• any other person who has not registered to use one of the Group Apps or Paym as long as they have a UK Visa debit card, Visa credit card, or Visa pre-paid card which is eligible to receive third party payments. 

6.2.3 To make a payment in this way, you need to give us:

• the mobile phone number of the payee. (This is the information that we use to identify the payee); and
• the amount of the payment in Sterling.

You’re responsible for ensuring that these details are correct.

6.2.4 Once you’ve asked us to make a payment you won’t be able to cancel it. If you realise that you’ve given us an incorrect mobile phone number or payment amount, you must inform us as soon as possible by contacting us on 0345 366 0013 from the UK or +44 120 241 3754 from overseas. Where possible we’ll try to stop the payment, but might not be able to do so. We’ll not be liable to you if we’re unable to stop a payment in these circumstances. 

6.2.5 We’ll notify you within the App if we’re unable to make a payment. 

6.2.6 There’s a daily limit and an individual transaction limit on payments sent using Pay Your Contacts. Details of these limits can be found in the Frequently Asked Questions section of the App.  

6.3 Pay Your Contacts (Registered Payees) 

6.3.1 You may ask us to make a payment to someone who is registered to use one of the Group Apps or Paym (a Registered Payee). When you confirm the payee's mobile phone number and the amount of the payment this will be your payment instruction to us and the payment will be processed immediately.  

6.3.2 If the payee is registered to use one of the Group Apps as well as Paym, we’ll send the payment to one of the accounts linked to their Group App.  

6.3.3 If the payee is not registered to use one of the Group Apps but is registered for Paym, we’ll send the payment to the account they’ve registered for Paym. 

6.4 Pay Your Contacts (Non-Registered Payees)  

6.4.1 You may ask us to make a payment to someone who isn’t registered to use one of the Group Apps or Paym (a Non-Registered Payee) provided they have a UK Visa debit card, Visa credit card, or Visa pre-paid card which is eligible to receive third party payments. 

6.4.2 When you instruct us to pay a Non-Registered Payee, we’ll work in partnership with Visa to process your instruction as follows:  

Visa will send a text message to the payee on our behalf informing them that you wish to make a payment to them. For security reasons Visa won’t state the amount of the payment in this text message. It’s your responsibility to provide the payee with this information. 

To collect the payment, the payee must visit the Visa collections website referred to in the text message and provide their card details as well as the amount of the payment. When the payee provides this information they initiate the payment transaction and Visa will process the payment on our behalf. 

The payee will have up to seven days from the day Visa send the text message to collect the payment. After the collection period has expired the payment request will no longer be valid and you’ll have to make a fresh payment request if you still wish to make the payment. 

6.4.3 If the payment is collected it’ll be added to the payee's account by the end of the next business day after the payee enters their information on the Visa collections website. (For example, if the payee enters their details on Friday, the money will be added to their account by the end of the day on Monday). If the payment isn’t collected you’ll be sent a text message to let you know, and you’ll have to make a fresh payment request if you still wish to make the payment.  

7. CHARGES

We don’t currently charge you for Mobile Banking. However, your mobile phone network operator may charge you when using Mobile Banking and these charges may vary if you use your mobile phone to access Mobile Banking when abroad.  

8. OUR LIABILITY

We won’t be liable to refund you for any losses caused by circumstances beyond our control (i.e. the situation was abnormal or unforeseeable), for example, due to extreme weather, terrorist activity or industrial action.  

9. VARIATION/TERMINATION  

9.1  You’re free to cancel Mobile Banking at any time. If you’d like to do this, please call us on 0345 366 0013 from the UK or +44 120 241 3755 from overseas or text STOP to 87727. 

9.2 If you haven’t used the App for 6 months your Mobile Banking access will be deactivated automatically and you’ll have to re-register in order to use Mobile Banking again. 

9.3 We may suspend, withdraw or restrict the use of Mobile Banking or any part of it where:

• we reasonably suspect that your security details haven’t been kept secret;;
• we reasonably suspect that your security details have been used fraudulently or without your permission;
• as a result of a change in the way you operate your account or in your financial circumstances, we reasonably believe that you may have difficulty in meeting your commitments;
• we believe it’s appropriate in order to protect your account(s);
• you’ve broken any of the Licence Terms set out below.

We’ll tell you before taking any of these steps and we’ll explain why we’ve done so, unless we’re unable to contact you or there’s a legal reason or other circumstance beyond our control that stops us from doing so. If we can’t get hold of you beforehand, we’ll (where possible) tell you and explain our reasons afterwards.  

9.4 If we have a valid reason for doing so, we may change the terms of our agreement with you (which may include introducing charges for Mobile Banking or making changes to those charges) by giving you at least 60 days’ notice before the change takes effect. We’ll assume that you’ve accepted the change unless you uninstall the App or tell us that you’d like to cancel Mobile Banking before the change takes effect. 

10. LICENCE TERMS  

10.1 Licence to use the App 

10.1.1 When you download the App we automatically give you a non-transferable, non-exclusive right to use the App (the Licence) provided that you agree to the following:

• you can only use the App on a registered device belonging to you or under your control. You’ll need to register each additional or replacement device separately
• you can only use the App for Mobile Banking and for no other purpose:
• the right to use the App is given only to you and you must not give any rights of use or any other rights in respect of the App to any other person;
• you must not copy, reproduce, alter, modify or adapt the App or any part of it;
• you must not remove or tamper with any copyright notice attached to or contained within the App and you agree that all ownership of the App remains with us;
• if your right to use Mobile Banking is terminated all rights given to you in respect of the App will end immediately.

10.1.2 The Licence includes the right to use any future updates to the App that we make available to you.  

10.1.3 We are solely responsible for the App and its content. If you have any questions or complaints or need any support in relation to the App please contact us on 0345 366 0013 from the UK or +44 120 241 3754 from overseas. 

10.1.4  If any third party claims that the App infringes their intellectual property rights, we'll be solely responsible for dealing with the claim.  

10.2 Duration and Termination of Licence

We’ll assume that you’ve accepted the terms of the Licence by installing the App on your device and the Licence will continue until you cancel Mobile Banking and/or delete the App or if we end your use of Mobile Banking under Term 9. Upon termination of the Licence for any reason you must uninstall the App and destroy all copies of it.  

We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. We are entered on the Financial Services Register and our registration number is 121878.

The Royal Bank of Scotland plc. Registered in Scotland No. 90312. Registered Office: 36 St. Andrew Square, Edinburgh, EH2 2YB. 

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We're writing to inform you that we're updating the terms which govern the use of our Mobile Banking service. These changes are because we have added a new feature to our existing Pay your contacts service. 

If your account is held in Scotland, you will now be able to send payments to anyone who has a Visa card, using their mobile phone number. 

These changes take effect on 21st February 2013.

Click on the link below to view the new terms which apply to your use of the Mobile Banking service.

'Terms of use for the Mobile Banking Service'

Please read these terms carefully. They will be available in the 'More' section of your application for future reference.

Need more help?

If you have any queries, please contact us on 0808 168 2958 (open 08:00 to 21:00 Monday to Friday and 08:00 to 20:00 at weekends) or visit rbs.co.uk/mobile. 

If you wish to cancel the Mobile Banking service at any time, just text ‘STOP’ to 87727 and delete the application from your device.

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The Mobile Banking Service is provided by The Royal Bank of Scotland plc to you.

It is important that you read these terms (the "Terms") carefully along with the terms which apply to your account (the "Core Terms" (available at rbs.co.uk)). 

If you opened your account before 4 July 2011, your Core Terms comprise our Personal and Private Banking - Terms and Conditions and the fees leaflet which applies to your account, either Personal Banking - Charges and Rates of Interest or (if you are a Private Banking customer) Private Banking - Charges and Rates of Interest. If you opened your account on or after 4 July 2011, or you have been moved to our new terms, your Core Terms comprise our RBS Personal & Private Current Account Terms and our fees leaflet, Personal & Private Current Account Fees & Interest Rates. 

The Core Terms set out our general terms for using our banking services including details of how we and others will use your information. Please also look for the padlock symbol. If you have any questions about these Terms, please contact us on 0808 168 2958. If there is any inconsistency between the Terms and the Core Terms, the Terms will take priority and apply. 

1. OUR DETAILS 

We are The Royal Bank of Scotland plc ("us", "we" or "RBS"), a member of The Royal Bank of Scotland Group of companies. We are a public company incorporated in Scotland (Company number 90312) and have our registered office at 36 St Andrew Square, Edinburgh EH2 2YB. 

2. THE SERVICE 

2.1 You may only access the Mobile Banking Service if you are aged 11 years or over and are resident in the United Kingdom. Further details on how to register and use the Mobile Banking Service can be found at rbs.co.uk/mobile. 

2.2 The Mobile Banking Service offers you access to a range of content and transaction services. Full details of our range of services can be found on our website at rbs.co.uk/mobile. The services offered to you via the Mobile Banking Service may vary depending on the type of device you are using. 

3. AVAILABILITY OF SERVICE 

3.1 While we will make reasonable efforts to provide the Mobile Banking Service, we will not be liable for any failure to provide the Mobile Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Mobile Banking Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Mobile Banking Service, other disruptions to our systems, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage. 

3.2 The Mobile Banking Service application (the "Application") is provided "as is" with no representation, guarantee or warranty of any kind as to its functionality.  

4. SECURITY PROCEDURE

4.1 You must keep your security details (which include the identifying words, codes and numbers agreed between us) secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them. 

4.2 You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person. 

4.3 After initial registration we will never contact you, or ask anyone to do so on our behalf, with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. You should report any such requests to us immediately. 

4.4 Where a transaction using the Mobile Banking Service has been carried out using your security details, but you subsequently show that the transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms. 

4.5 If your device is lost or stolen, or if you suspect that anyone knows your security details you must contact us immediately. 

4.6 Where your security details are lost or stolen, or you do not keep them safe as you are obliged to do under these Terms, you may be responsible for unauthorised transactions, up to a maximum of £50. You may be liable for the full amount where you have failed intentionally, or with gross negligence, to keep your security details secret. Unless you have acted fraudulently, you will not be liable for any unauthorised payment which is made after you told us that your security details are no longer safe. 

4.7 You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure and the time you exit from the Mobile Banking Service. Please note that this includes any input errors, or instructions sent by anyone but yourself. You should not leave the device you are using unattended while you are still logged onto the Mobile Banking Service. 

4.8 You are responsible for making sure information either stored or shown on your device(s) is kept secure. 

4.9 You must delete the Application from your device if you change your device or dispose of it. 

4.10 You must advise us of any change to your mobile phone number or email address. 

5. TRANSACTIONS

5.1 Unless Term 6.3 applies, when you instruct us to make a payment through the Mobile Banking Service we will make the payment using the Faster Payments Service if possible. If we cannot use the Faster Payments Service we will advise you of alternative methods of making the payment. 

5.2 You acknowledge that you are responsible for all transactions carried out using the Mobile Banking Service and for the repayment of any debt that arises from use of the Mobile Banking Service. 

6. PAY YOUR CONTACTS 

6.1 General 

6.1.1 You can only register to use Pay your contacts if your account is held in Scotland. 

6.1.2 If you are registered to use Pay your contacts, you can ask us to make a payment by using the Application to give us the United Kingdom mobile phone number of the person you would like to make the payment to (the "payee"), together with the amount of the payment in Sterling. When you give us a mobile phone number you consent to us debiting your account for the amount specified. 

6.1.3 The mobile phone number that you give us identifies the payee. You are responsible for ensuring that you provide us with the correct mobile phone number and amount. 

6.1.4 Once you have asked us to make a payment using Pay your contacts you will not be able to cancel that payment. If you realise that you have given us an incorrect mobile phone number you must inform us as soon as possible by contacting our telephone banking service. Where circumstances permit we will try to stop the payment, but may not be able to do so. We will not be liable to you if we are unable to stop a payment in these circumstances. 

6.1.5 We will inform you within the Application if we are unable to send a payment. 

6.1.6 For your and our security, we will place a daily limit on transactions using Pay your contacts and a limit on the amount of any one Pay your contacts transaction. Details of these limits can be found on our website at rbs.co.uk/mobile. 

6.2 Paying Registered Customers 

6.2.1 You may ask us to make a payment to other customers who are registered to use the Application or the Royal Bank of Scotland mobile banking application ("Registered Customers"). When you give us the payee's mobile phone number and the amount of the payment this will be your payment instruction to us. The payment will normally be processed immediately but may sometimes take up to two hours. Payments using Pay your contacts will be identified in the payee's account by your mobile phone number. 

6.2.2 Payments to Registered Customers will be paid into the account linked to the debit card which the payee used to register for the Mobile Banking Service or the Royal Bank of Scotland mobile banking service. 

6.3 Paying Non-Registered payees 

6.3.1 You may ask us to make a payment to someone who is not a Registered Customer (a "Non-Registered payee") provided they have a Visa debit card, Visa credit card, or a Visa pre-paid card which is eligible to receive third party payments. 

6.3.2 When you instruct us to pay a Non-Registered payee by giving us their mobile phone number and the payment amount, we will work in partnership with Visa Europe Limited ("Visa") to process your instruction. 

6.3.3 Some Non-Registered payees will already have their mobile phone number and Visa card details registered with Visa. These Non-Registered payees will be treated by Visa as "Registered Visa recipients". 

6.3.4 When you instruct us to pay a Non-Registered payee who is a Registered Visa recipient, you initiate the payment transaction and Visa will process the payment on our behalf. 

6.3.5 When you instruct us to pay a Non-Registered payee who is not a Registered Visa recipient: 

(a) Visa will send a text message to the Non-Registered payee on our behalf informing them that you wish to make a payment to them. For security reasons Visa will not state the amount of the payment in this text message. It is your responsibility to provide the Non-Registered payee with this information. 

(b) The Non-Registered payee will have up to seven days from the day Visa send the text message to collect the payment. After the collection period has expired the payment request will no longer be valid and you will have to make a fresh payment request if you still wish to make the payment. 

(c) To collect the payment, the Non-Registered payee must visit the Visa Europe collections website referred to in the text message and provide their eligible Visa card details as well as the amount of the payment. When the Non-Registered payee provides this information they initiate the payment transaction and Visa will process the payment on our behalf. 

6.3.6 For all Non-Registered payees, if the payment is successful it will be credited to the Non-Registered payee's account by the end of the business day following initiation of the payment transaction. If the payment is unsuccessful you will be sent a text message to let you know, and you will have to make a fresh payment request if you still wish to make the payment. 

7. CHARGES 

We reserve the right to charge you and you agree to pay the charges which apply when you use our services or any part of them. We do not currently charge you for the Mobile Banking Service. However, your mobile phone network operator may charge you when using the Mobile Banking Service and these charges may vary if you use your mobile phone to access the Mobile Banking Service when abroad. 

8. OUR LIABILITY 

 We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary. 

9. VARIATION/TERMINATION OF SERVICE

9.1 There is no minimum contract period and you are free to cancel the Mobile Banking Service at any time. Details on how to cancel the Mobile Banking Service can be found on our website at rbs.co.uk/mobile. 

9.2 If you have not used the Mobile Banking Service for 12 months your account will be deactivated automatically and you will have to re-register in order to use the Mobile Banking Service again. 

9.3 We may suspend, withdraw or restrict the use of the Mobile Banking Service or any part of the Mobile Banking Service where: 

(a) we have reasonable grounds to suspect that your security details have not been kept safe; or 

(b) we have reasonable grounds to suspect unauthorised or fraudulent use of your security details; or 

(c) as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or 

(d) we consider it appropriate for your protection. 

Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will tell you before taking this action and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will tell you and give our reasons afterwards. 

9.4 If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect. 

9.5 We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect. 

10. LICENCE FOR RBS MOBILE BANKING APPLICATION (the "Licence") 

10.1 We hereby grant to you a non-assignable, non-transferable, non-exclusive Licence to use the Application (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions: 

10.1.1 you may only use the Application on a registered device belonging to you or under your control. You will need to register each additional or replacement device separately; 

10.1.2 you may only use the Application for the purpose of receiving the Mobile Banking Service and for no other purpose whatsoever; 

10.1.3 the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person; 

10.1.4 you shall not copy or reproduce in any way the whole or any part of the Application; 

10.1.5 you shall not alter, modify or adapt the whole or any part of the Application; 

10.1.6 you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us; 

10.1.7 on any termination of the Mobile Banking Service all rights granted to you in respect of the Application shall immediately cease. 

10.2 Termination of Licence 

10.2.1 The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence. 

10.2.2 The Licence will terminate automatically if you cancel the Mobile Banking Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence. 

Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession. 

10.3 Acceptance of Licence 

10.3.1 You will be deemed to have accepted the terms of the Licence by installing the Application on any device. 

11. LAW AND JURISDICTION

If your address is in Scotland: 

 - Scots law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and 

 - the Scottish courts have non-exclusive jurisdiction over any disputes arising between you and us. 

 If your address is in England or elsewhere: 

 - English law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and 

 - the English courts have non-exclusive jurisdiction over any disputes arising between you and us.

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We're writing to inform you that we're updating the terms which govern the use of our Mobile Banking service. These changes are because we are introducing a new facility, Pay your contacts, which will allow you to send payments to RBS Mobile Banking customers using their mobile phone number, if your account is held in Scotland. 

These changes take effect on 30 May 2012. 

Click on the link below to view the new terms which apply to your use of the Mobile Banking service. 

'Terms of Use for the Mobile Banking Service' 

Please read these terms carefully. They will be available in the 'More' section of your application for future reference. 

Need more help? 

If you have any queries, please contact us on 0808 168 2958 (open 08:00 to 21:00 Monday to Friday and 08:00 to 20:00 at weekends) or visit rbs.co.uk/mobile. If you wish to cancel the Mobile Banking service at any time, just text 'STOP' to 87727 and delete the application from your device.  

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The Mobile Banking Service is provided by The Royal Bank of Scotland plc to you.

It is important that you read these terms (the "Terms") carefully along with the terms which apply to your account (the "Core Terms" (available at rbs.co.uk)). 

If you opened your account before 4 July 2011, your Core Terms comprise our Personal and Private Banking - Terms and Conditions and the fees leaflet which applies to your account, either Personal Banking - Charges and Rates of Interest or (if you are a Private Banking customer) Private Banking - Charges and Rates of Interest. If you opened your account on or after 4 July 2011, or you have been moved to our new terms, your Core Terms comprise our RBS Personal & Private Current Account Terms and our fees leaflet, Personal & Private Current Account Fees & Interest Rates. 

The Core Terms set out our general terms for using our banking services including details of how we and others will use your information. Please also look for the padlock symbol. If you have any questions about these Terms, please contact us on 0808 168 2958. If there is any inconsistency between the Terms and the Core Terms, the Terms will take priority and apply. 

1. OUR DETAILS 

We are The Royal Bank of Scotland plc ("us", "we" or "RBS"), a member of The Royal Bank of Scotland Group of companies (the "Group"). We are a public company incorporated in Scotland (Company number 90312) and have our registered office at 36 St Andrew Square, Edinburgh EH2 2YB. 

2. THE SERVICE 

2.1 You may only access the Mobile Banking Service if you are aged 11 years or over and are resident in the United Kingdom. Further details on how to register and use the Mobile Banking Service can be found at rbs.co.uk/mobile. 

2.2 The Mobile Banking Service offers you access to a range of content and transaction services. Full details of our range of services can be found on our website at rbs.co.uk/mobile. The services offered to you via the Mobile Banking Service may vary depending on the type of device you are using. 

3. AVAILABILITY OF SERVICE 

3.1 While we will make reasonable efforts to provide the Mobile Banking Service, we will not be liable for any failure to provide the Mobile Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Mobile Banking Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Mobile Banking Service, other disruptions to our systems, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage. 

3.2 The Mobile Banking Service application (the "Application") is provided "as is" with no representation, guarantee or warranty of any kind as to its functionality.  

4. SECURITY PROCEDURE 

4.1 You must keep your security details (which include the identifying words, codes and numbers agreed between us) secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them. 

4.2 You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person. 

4.3 After initial registration we will never contact you, or ask anyone to do so on our behalf, with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. You should report any such requests to us immediately. 

4.4 Where a transaction using the Mobile Banking Service has been carried out using your security details, but you subsequently show that the transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms. 

4.5 If your device is lost or stolen, or if you suspect that anyone knows your security details you must contact us immediately. 

4.6 Where your security details are lost or stolen, or you do not keep them safe as you are obliged to do under these Terms, you may be responsible for unauthorised transactions, up to a maximum of £50. You may be liable for the full amount where you have failed intentionally, or with gross negligence, to keep your security details secret. Unless you have acted fraudulently, you will not be liable for any unauthorised payment which is made after you told us that your security details are no longer safe. 

4.7 You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure and the time you exit from the Mobile Banking Service. Please note that this includes any input errors, or instructions sent by anyone but yourself. You should not leave the device you are using unattended while you are still logged onto the Mobile Banking Service. 

4.8 You are responsible for making sure information either stored or shown on your device(s) is kept secure. 

4.9 You must delete the Application from your device if you change your device or dispose of it. 

4.10 You must advise us of any change to your mobile phone number or email address. 

5. TRANSACTIONS 

5.1 When you instruct us to make a payment through the Mobile Banking Service, we will make the payment using the Faster Payments Service if possible. If we cannot use the Faster Payments Service, we will advise you of alternative methods of making the payment. 

5.2 Pay your contacts 

5.2.1 You can only register to use Pay your contacts if your account is held in Scotland. 

5.2.2 If you are registered to use Pay your contacts you can ask us to make a payment to other Application customers or Royal Bank of Scotland mobile banking application customers ("Registered Customers") by using the Application to give us their United Kingdom mobile phone number and the amount of the payment in Sterling. When you give us a mobile phone number you consent to us debiting your account for the amount specified. 

5.2.3 When you ask us to make a payment using Pay your contacts, the mobile phone number that you give us identifies the payee to whom you wish to make a payment. You are responsible for ensuring that you provide us with the correct mobile phone number and amount. 

5.2.4 Payments will be paid into the account linked to the debit card which the payee used to register for the Mobile Banking Service or the Royal Bank of Scotland mobile banking service, and will be identified in that account by your mobile phone number. 

5.2.5 When you give us a mobile phone number and payment amount, this will be your payment instruction to us and the payment will normally be processed immediately but may sometimes take up to two hours. 

5.2.6 We will inform you within the Application if we are unable to send a payment, including if we are unable to send the payment because the payee is not a Registered Customer. 

5.2.7 Once you have asked us to make a payment using Pay your contacts you will not be able to cancel that payment. If you realise that you have given us an incorrect mobile phone number, you must inform us as soon as possible by contacting our telephone banking service. Where circumstances permit, we will try to stop the payment, but may not be able to do so. We will not be liable to you if we are unable to stop a payment in these circumstances. 

5.2.8 For your and our security, we will place a daily limit on transactions using Pay your contacts and a limit on the amount of any one Pay your contacts transaction. Details of these limits can be found on our website at rbs.co.uk/mobile. 

5.3 You acknowledge that you are responsible for all transactions carried out using the Mobile Banking Service and for the repayment of any debt that arises from use of the Mobile Banking Service. 

6. CHARGES 

We reserve the right to charge you and you agree to pay the charges which apply when you use our services or any part of them. We do not currently charge you for the Mobile Banking Service. However, your mobile phone network operator may charge you when using the Mobile Banking Service and these charges may vary if you use your mobile phone to access the Mobile Banking Service when abroad. 

7. OUR LIABILITY 

We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary. 

8. VARIATION/TERMINATION OF SERVICE 

8.1 There is no minimum contract period and you are free to cancel the Mobile Banking Service at any time. Details on how to cancel the Mobile Banking Service can be found on our website at rbs.co.uk/mobile. 

8.2 If you have not used the Mobile Banking Service for 12 months your account will be deactivated automatically and you will have to re-register in order to use the Mobile Banking Service again. 

8.3 We may suspend, withdraw or restrict the use of the Mobile Banking Service or any part of the Mobile Banking Service where: 

(a) we have reasonable grounds to suspect that your security details have not been kept safe; or 

(b) we have reasonable grounds to suspect unauthorised or fraudulent use of your security details; or 

(c) as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or 

(d) we consider it appropriate for your protection. 

Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will tell you before taking this action and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will tell you and give our reasons afterwards. 

8.4 If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect. 

8.5 We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect. 

9. LICENCE FOR RBS MOBILE BANKING APPLICATION (the "Licence")

9.1 We hereby grant to you a non-assignable, non-transferable, non-exclusive Licence to use the Application (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions: 

9.1.1 you may only use the Application on a registered device belonging to you or under your control. You will need to register each additional or replacement device separately; 

9.1.2 you may only use the Application for the purpose of receiving the Mobile Banking Service and for no other purpose whatsoever; 

9.1.3 the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person; 

9.1.4 you shall not copy or reproduce in any way the whole or any part of the Application; 

9.1.5 you shall not alter, modify or adapt the whole or any part of the Application; 

9.1.6 you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us; 

9.1.7 on any termination of the Mobile Banking Service all rights granted to you in respect of the Application shall immediately cease. 

9.2 Termination of Licence 

9.2.1 The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence. 

9.2.2 The Licence will terminate automatically if you cancel the Mobile Banking Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence. 

Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession. 

9.3 Acceptance of Licence 

9.3.1 You will be deemed to have accepted the terms of the Licence by installing the Application on any device. 

10. LAW AND JURISDICTION

If your address is in Scotland: 

 - Scots law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and 

 - the Scottish courts have non-exclusive jurisdiction over any disputes arising between you and us. 

 If your address is in England or elsewhere: 

 - English law applies to our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence; and 

 - the English courts have non-exclusive jurisdiction over any disputes arising between you and us.

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The Mobile Phone Banking Service is provided by The Royal Bank of Scotland plc to you. 

It is important that you read these terms and conditions (the "Terms") carefully along with our Personal and Private Banking – Terms and Conditions and the fees leaflet which applies to your account, either Personal Banking – Charges and Rates of Interest or (if you are a Private Banking customer) Private Banking – Charges and Rates of Interest (collectively our "Core Terms" (available at www.rbs.co.uk)). The Core Terms set out our general terms for using our banking services including our privacy policy which contains details of how we and others will use your information. Please also look for the padlock symbol. If you have any questions about these Terms, please contact us on 0808 168 2958. 

If there is any inconsistency between the Terms and the Core Terms, the Terms will prevail. 

1. OUR DETAILS 

We are The Royal Bank of Scotland plc ("us", "we" or "RBS") part of the Royal Bank of Scotland Group of companies (the "RBS Group"). We are a public company incorporated in Scotland (Company number 90312) and have our registered office at 36 St Andrew Square, Edinburgh EH2 2YB. 

2. THE SERVICE 

2.1 You may only access the Mobile Phone Banking Service if you are aged 16 years or over and are resident in the United Kingdom. Further details on how to register and use the Mobile Phone Banking Service can be found at www.rbs.co.uk/mobile

2.2 The Mobile Phone Banking Service offers you access to a range of content and transaction services. Details of our range of services can be found on our website at www.rbs.co.uk/mobile 

The services offered to you via the Mobile Phone Banking Service may vary depending on the type of handset you are using. 

3. AVAILABILITY OF SERVICE

3.1 While we will make reasonable efforts to provide the Mobile Phone Banking Service, we will not be liable for any failure to provide the Mobile Phone Banking Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Service resulting from maintenance and upgrades to our systems or the systems of any party used to provide the Service, outages on any phone network or in the case of mobile networks where you are not in an area of mobile coverage. 

3.2 The Application is provided "as is" with no representation, guarantee or warranty of any kind as to its functionality. 

4. SECURITY PROCEDURE 

4.1 You must keep your security details secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them. 

4.2 You must not disclose your security details to any other person or record your security details in any way that may result in them becoming known to another person. 

4.3 Please note that after initial registration we will never contact you (or ask anyone to do so on our behalf), with a request to disclose your security details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your security details to them in any circumstances. Additionally, you should report any such requests to us immediately. 

4.4 Where a transaction using the Mobile Phone Banking Service has been carried out using your security details, but you subsequently show that the transaction was not authorised by you, you will not be liable for that transaction provided you have kept your security details secret, not acted fraudulently, acted with reasonable care and acted in accordance with these Terms. 

4.5 If you suspect that anyone knows your security details you must contact us immediately. If you fail to do so, you will be liable for any unauthorised transactions on your account confirmed by use of your security details. 

4.6 You will be responsible for all instructions given by you or anyone acting with your authority between the time you pass the security procedure until you exit from the Mobile Phone Banking Service. Please note that this includes any input errors or instructions sent by someone other than yourself so please do not leave your mobile phone unattended while you are still logged onto the Mobile Phone Banking Service. 

4.7 You are responsible for making sure information either shown or stored on your mobile phone is kept secure. 

4.8 You must advise us of any change to your mobile phone number or email address. 

5. TRANSACTIONS 

5.1 Banking instructions received for your current and savings accounts on any working day will normally be processed that day. (You will be advised at the time you send the instruction, if the instruction cannot be processed that same day but will be processed the next working day). 

5.2 You acknowledge that you are responsible for all transactions carried out using the Mobile Phone Banking Service and for the repayment of any debt that arises from use of the Mobile Phone Banking Service. 

6. CHARGES

6.1 We do not currently charge you for the Mobile Phone Banking Service. However, your mobile phone network operator may charge you when using the Mobile Phone Banking Service and these charges may vary if you use your mobile phone to access the Mobile Phone Banking Service when abroad. 

7. OUR LIABILITY 

7.1 We will not be liable to you for any breach of (or failure to perform) our obligations where that breach (or failure) is due to abnormal and unforeseeable circumstances beyond our control, the consequences of which would have been unavoidable despite all efforts to the contrary. 

8. VARIATION/TERMINATION OF SERVICE

8.1 There is no minimum contract period and you are free to cancel the Mobile Phone Banking Service at any time. Details on how to cancel the Mobile Phone Banking Service can be found on our website at www.rbs.co.uk/mobile

8.2 If you have not used the Mobile Phone Banking Service for 12 months your account will be deactivated automatically and you would have to re-register in order to use the Mobile Phone Banking Service again. 

8.3 You acknowledge that it is your responsibility to delete the mobile banking application from your mobile phone if you change your mobile phone or dispose of it. 

8.4 Unless we are unable to contact you or there is a legal reason or other circumstances beyond our control preventing us from doing so, we will notify you personally before taking this action to suspend, withdraw or restrict your use of the Mobile Phone Banking Service and provide our reasons for doing so. If we are unable to contact you beforehand, where possible we will notify you and give our reasons afterwards. 

8.5 We may suspend, withdraw or restrict the use of the Mobile Phone Banking Service or any part of the Mobile Phone Banking Service where: 

(a) we have reasonable grounds to suspect that your Security Details have not been kept safe; or 

(b) we have reasonable grounds to suspect unauthorised or fraudulent use of your Security Details; or 

(c) as a result of a change in the way you operate your account or in your financial circumstances, we have reasonable grounds to believe that you may have difficulty in meeting your commitments; or 

(d) we consider it appropriate for your protection. 

8.6 If we have a valid reason for doing so, we may change the terms of our agreement with you by notifying you personally not less than 60 days before the change comes into effect. 

8.7 We may introduce new charges on your account or change the amount of any charges which already apply to your account by notifying you personally not less than 60 days before the change comes into effect. 

9. LICENCE FOR RBS MOBILE PHONE BANKING APPLICATION (the "Licence")

9.1 We hereby grant to you a non-assignable, non-transferable, non-exclusive Licence to use the mobile phone banking application (the "Application") (which shall include future updates made available to you from time to time provided you understand such updates may be subject to additional terms notified to you at the time such update is made available) subject to the following obligations and/or restrictions: 

9.1.1 you may only use the Application on one single registered mobile phone belonging to you or under your control. You will need to register separately each additional or replacement mobile phone; 

 9.1.2 you may only use the Application for the purpose of receiving the Service and for no other purpose whatsoever; 

9.1.3 the Application is licensed only to you and you shall not assign, sub-licence or grant any rights of use or any other rights in respect of the Application to any other person; 

9.1.4 you shall not copy or reproduce in any way the whole or any part of the Application; 

9.1.5 you shall not alter, modify or adapt the whole or any part of the Application; 

9.1.6 you shall not remove or tamper with any copyright notice attached to or contained within the Application and you acknowledge and agree that as between us and you all ownership in the Application remains with us; 

9.1.7 on any termination of the Service all rights granted to you in respect of the Application shall immediately cease. 

9.2 TERMINATION

9.2.1 The Licence shall commence upon your acceptance of the Licence or when you install the Application (whichever is first) and shall continue until terminated in accordance with the following clause or otherwise in accordance with the Licence. 

9.2.2 The Licence will terminate automatically if you cancel the Service and/or uninstall the Application, or fail to comply with any term or condition of the Licence. 

Upon termination of the Licence for any reason whatsoever you must uninstall the Application and destroy all copies of the Application including all components of it in your possession. 

9.3 LAW AND JURISDICTION

Our relations with you and the formation, existence, construction, performance, validity and all aspects whatsoever of these Terms and this Licence will be governed by Scottish law if your address is in Scotland or English law if you live elsewhere and the English courts shall have non-exclusive jurisdiction to settle any dispute arising out of this Licence (unless your address is in Scotland, in which case the courts of Scotland shall have non-exclusive jurisdiction). 

9.4 ACCEPTANCE OF LICENCE 

 9.4.1 You will be deemed to have accepted the terms of the Licence by installing the Application on any mobile phone.

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