Mobile Banking | Royal Bank of Scotland

NatWest mobile app

Mobile Banking

We've recently updated our app with lots of handy new features

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App available on most smartphones to Royal Bank customers with Digital Banking and a UK mobile number

Update to the Royal Bank mobile banking app

Man with a tablet showing a woman who is using a laptop the Royal Bank of Scotland app

Add your signposting title here… Are you enjoying the benefits of our mobile app update?

 

We have given our Royal Bank of Scotland app a brand new look and feel as well as adding some fantastic new payment options to make your banking even easier.

Find out more

Here are our favourite changes to the Royal Bank app

Make payments up to £250 instantly without a card reader

Need to pay a friend or the plumber? Make payments of up to £250 securely, with just an account number and sort code.

You can find 'Pay Someone New' at the top of your Payees List when making selecting to make a 'Payment' from your account.

 

  • The payment details will not be saved.
  • You must be aged over 16 and have available funds to send from your account (including any overdraft facility).
  • Maximum of 5 payments totaling £250 per working day, which is separate from daily withdrawal and Get Cash limits.   

For security reasons, the first time you use a feature that allows money to leave your account with the mobile app, you will be asked to confirm a second activation code.

 

Simply follow the on screen instructions to have an activation code text to you. This code will go to the mobile number we hold for you on our records.

You can send money to customers of other banks using Paym

Paym is a service available to most of the UK’s leading banks and building societies that allows people to send money using just a mobile number.

You do not need to register to send money via the Paym service. Just select Pay Your Contacts and follow the steps.

 

You do need to register for Paym with us if you would other people of other banks to be able to send you money using your money number. To register, open the app and select Paym from the 'More' menu. You’ll find all the details there.

 

  • Paym is available on most personal accounts.
  • When registering you need to select the account in which you wish to receive payments.

After you’ve registered, your friends just need to use their bank’s own mobile app to send you money using Paym. They don’t need to know your account number or sort code. All they need is your name and mobile phone number and they’ll be able to send money to your account.

 

Paym Terms and Conditions (opens in a new window)

No need to stand in a branch queue to cancel your Direct Debit

Set up, view and cancel your standing orders and Direct Debits using your banking app. 

Open up the mobile app to set up standing orders to saved payees, companies or between your own accounts. You can view the status of your regular payments, check the details, keep an eye on the next payment date and cancel future payments.

 

  • To cancel a standing order from within the mobile app you must give two working days notice.
  • To cancel a Direct Debit from within the mobile app you have up until 8.20pm (UK time) on the day the payment is due. At or after 8.20pm (UK time), the payment due on that day will have been taken and we will not be able to retrieve it.

For more details on setting up and cancelling regular payments and timescales, visit Support Centre.

Add your signposting title here… Getting started is quick and easy

 

Once you have downloaded the app, register in a few simple steps using your Digital Banking details.

Why not see for yourself how quick and easy it is by trying our mobile banking demo? There are plenty of features to explore.

 

Explore our mobile banking app demo

And you can still bank on the go with these great features

Track your spending on the move

Busy commute? Check your balance and recent transactions any time, any place

With our mobile banking app you can view the balance on all accounts you hold with us, as well as search your transactions as far back as seven years. Tap on a particular transaction to find out more details.

 

Try it with our mobile demo

 

Withdraw money even if you have left your card at home

You can withdraw money at any Royal Bank (in Scotland), NatWest or Tesco cash machine thanks to Get Cash.

With Get Cash you can quickly choose an amount of cash that you would like to withdraw from within the app. We will then provide you with a secure cash code that will be valid for 3 hours. You can use this cash code yourself or text it to someone else. You can use this service up to twice a day, but can only have one cash code at any one time. If the code expires, the funds will re-credit your account within 24 hours.

 

To use this service;

 

  • Maximum withdrawal limit of £130 every 24 hours. This must be within your daily withdrawal limit.
  • You must have at least £10 available funds to withdraw from your account (including any overdraft facility).
  • You must have an active debit card for your account.

 

For security reasons, the first time you use a feature that allows money to leave your account with the mobile app, you will be asked to confirm a second activation code.

 

Simply follow the on screen instructions to have an activation code text to you. This code will be sent to the mobile number we hold for you on our records.

 

Try it with our demo

Don't have someone's bank details? Send money using their mobile number

Split a taxi or go halves on dinner, with Pay Your Contacts you don't to need to swap bank details.

Choose a person from your Contact List or type a new number. You can pay anyone with a Royal Bank of Scotland, NatWest, Ulster, NatWest Offshore or Isle of Man mobile app, or registered for Paym. The person will receive the money instantly.

 

Important information

 

  • You must have available funds to send from your account (including any overdraft facility).
  • There is a maximum payment of £250 a day, which is separate from daily withdrawal and Get Cash limits.

 

For security reasons, the first time you use a feature that allows money to leave your account with the mobile app, you will be asked to confirm a second activation code.

 

Simply follow the on screen instructions to have an activation code text to you. This code will go to the mobile number we hold for you on our records.

 

Explore with our mobile demo

Apply for new accounts with your banking app

To apply for an account through your app, log in and select the 'Products' option from the menu.

You can begin applications for:

 

  • A new savings account
  • A new overdraft, or make a change to your existing limit.

Important Information

 

To apply for a savings account you must be aged 16 or over and a UK resident.

To apply for an overdraft you must be aged 18 or over, a UK resident and have an eligible current account.

 

You can find the full terms and conditions for each product by visiting our savings and overdrafts account pages. 

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