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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Royal Bank of Scotland Helpful Banking
Get straight to the financial help you need
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.
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:
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.
Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion. App available to customers with a compatible iOS and Android device and a UK or international mobile number in specific countries.
Help to save money
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.
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.
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.
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.
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
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.