Royal Bank of Scotland Helpful Banking

Get straight to the financial help you need

Take control of your finances

Notepad Manage your money

Manage your money

Check out our managing your money page for helpful hints on how to reduce your spending, understand borrowing, start saving and investing.

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Calendar Set a budget

Money worries?

Are you struggling to pay for a loan or everyday bills? Perhaps you've been impacted by Coronavirus. Find out how we can help you.

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Banking made easy with the mobile app

With the Royal Bank app you can carry out your day to day banking in the palm of your hand.

Here are just a few highlights of the Royal Bank app:


The quickest way to check your balance, make payments and transfers, and manage your direct debits.

Safe and secure

With fingerprint and facial recognition. Available on selected devices.


Track your spending and set monthly budgets for things like shopping and eating out. Criteria apply.


Pay others with account details, phone numbers or saved payees. Criteria apply.

Download the app

Downloading the Royal Bank of Scotland app couldn't be easier, follow these three simple steps below.

1.   On your mobile or tablet, go to the App Store if using Apple or Google Play if using Android

2.   Search for 'Royal Bank of Scotland'

3.   Tap to download the app 

Get the app

Experience the quickest way to manage your money.

Get the app

Experience the quickest way to manage your money.

Find out your credit score

Get your free credit score and view some of the key details that help to calculate your score all on our app, making it easier to plan ahead.

Set up a savings goal

Savings Goal Tool is a feature within our mobile app and Digital Banking that helps you understand how much you need to save to reach your savings goal. It's available to anyone with an instant access savings account.

On average, customers save twice as much when they save towards a goal.

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

Could you save money on your energy bills?

We spend a lot of money on gas and electricity. That's why we've pulled together our top energy saving tips. Because when you cut how much energy you use, you not only spend less, you also reduce your carbon footprint. It’s a win-win.

Mortgage tools and guides

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NatWest mortgages are available to over 18s.

Laptop Mortgage essentials

How much can I borrow?

Mortgage calculator

Use our mortgage calculator to see how much you could borrow, what it might cost you per month and to compare mortgage rates.

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Calculator Mortgage calculator

Mortgage help and support

Read our guides

Read our guides to buying a new home, from saving for a deposit to remortgaging or buying a second home.

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Calendar Mortgage payments

Manage my mortgage

Manage your payments online

Sign in to Manage My Mortgage to view your balance, change payment dates, or switch to a new deal.

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How to do your banking from home

Looking after our customers and colleagues during these difficult times is our number one priority. Our Banking for Everyone page gives you the support and guidance you need if you're unable to get out and about.

Helping you access and manage your money

If you’re concerned about being affected financially or being unable to get to the bank due to coronavirus (COVID-19), we are here to help. We can support you with:

Video banking appointments if you need to speak to one of the team

Digital lessons to help you feel more confident with Digital Banking and using the mobile app

How to send money, get cash, and go contactless

Information on how to avoid scammers and stay safe

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Video banking available between 8am – 8pm Monday to

Friday and 9am – 3pm Saturdays. Video Banking

may be recorded.

Want to make the most of your money?

Use our financial health check tool and learn how to make simple banking changes that could benefit you.

Better banking for you

Tackling fraud

Working with you to keep your money safe.

Updates to our app

Even easier mobile banking and new features.

Covid-19 support

How we can help if your finances are affected.

Something else we can help you with?