On this page
Overlay
Your debit card
Safe, secure and simple ways to pay
Apple Pay
Learn how to set up Apple Pay for payments on your Apple device.
Google Pay
Learn to set up Google Pay for payments on your Google device.
Click to Pay
Click to Pay is fast, simple, and secure for online payments. You don't need to fill in the card details every time.
Available at selected retailers.
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.
Take care with your One Time Passcodes
When setting up your digital wallet, you'll be asked to verify your identity. Doing so through the mobile app is the most secure way to do this. If you verify your identity through a One Time Passcode (OTP) read the accompanying text message carefully before using the code, as it tells you the purpose of the OTP which should be aligned with what you’re trying to do.
Pay online and save your details safely
Many internet browsers can autofill your payment details – so you only need to remember your 3-digit CVC code on the back of your card. Find out more by visiting Safari , Google Chrome or Microsoft Edge autofill guides.
Be fraud aware
We’re always on the lookout for transactions that seem a bit strange. So we might occasionally ask you to approve your online card payment in your Royal Bank banking app or by entering a one-time passcode (OTP) before the money leaves your account.
Treat these codes like your card PIN and never share them with anyone - even the bank, police, or any other trusted organisation.
Never approve a card payment in your mobile app that you haven't made yourself or that someone else has asked you to approve - this is a scam.
Find out more about how we protect you with Multi-Factor Authentication.
Information Message
Shop safely online
We all love a bargain but be vigilant when buying online. Don't give anyone your personal information such as login details and passcodes. Only use shops that you trust and always take extra care if you’re buying from social media or online marketplaces.
Find out more about things to look out for when shopping online and how to protect yourself from fraud and scams.
Information Message
Use strong passwords
When spending online use strong passwords and try to mix them up between accounts.
To help you keep track, many internet browsers now offer to generate and securely store your passwords to help keep your details safe.
Find out more about generating and managing passwords in Google Chrome, Safari on Mac or iPhone, or Microsoft Edge.
Information Message
Securely store your details
Many internet browsers can autofill your payment details – so you only need to remember your 3-digit CVC code on the back of your card. Find out more by visiting Safari , Google Chrome or Microsoft Edge autofill guides.
Information Message
Turn on debit card notifications and set payment controls
Switch on spending notifications in the app and get instant payment alerts.
Use your app to set payment controls for your card. Turn off and on the types of payments your card can be used for.
Information Message
Be a ScamSmart investor
Before you make an investment payment, check the FCA ScamSmart website for advice on how to protect yourself from investment and pension scams. Make sure you know who you are dealing with and check to see if a firm is FCA-authorised. Always remember, if a deal sounds too good to be true, it probably is and you may lose your money.
Information Message
Other ways to pay
Did you know you can make payments using our Mobile app or Digital Banking?
It’s a safe and easy way to make payments within minutes.
We don’t charge a fee to send standard international payments using digital banking or the mobile app.
Please be aware, the recipient bank may charge fees for international payments.
More about international payments
Helping you stay safe
Always be cautious of out of the blue requests to send money via bank transfer. Stop and think, could it be a scam? Visit our security centre pages to find out more.
