Payments with your mobile banking app | Royal Bank of Scotland

Mobile Banking

Man walking in the street using his mobile banking app

Save time with mobile payments

We've added some fantastic new payment features - give them a try

Get the app

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

Send international payments with your mobile app

Great news! You can now use your mobile app to send international payments to payees that you have previously set up within Digital Banking.

Always on the move and short of time? Our app makes international payments quick and simple - with just a few taps you can select the payee, delivery speed and fee structure. 

Download and see for yourself

App available to customers with Digital Banking and a UK mobile number. Payments must be made on Digital Banking before you can pay through our app.

Person using mobile phone

Person using mobile phone

Other helpful ways to pay and receive money

Pay Someone New

Need to pay a friend or tradesman? You can use your app to pay anyone up to £250 with just their account number and sort code. You don’t need a card reader or to have paid them before using Digital Banking.

If you need to pay someone - a friend or a tradesman for instance - you can now use your app to send them up to £250. All you need is their account number and sort code. You don’t need a card reader or to have paid them before through Digital Banking.

 

To pay someone new, open the app, choose your current account then click ‘Payments’. On the next screen choose ‘Select payee’ then ‘Pay someone new’ and enter the details it asks for.   

Try our iPhone demo

Try our Android demo

 

Important information

 

The payment details will not be saved. You must have available funds to send from your account (including any overdraft facility). Maximum of 5 payments totalling £250 per working day, which is separate from your 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.

 

Pay Your Contacts

If you want to split a taxi fare or go halves on dinner, it’s easy with Pay Your Contacts. There’s no need to swap bank details or mess around with cards or cash – all you need is your app and your friend’s mobile number.

Firstly, open the app and tap on your current account. Then select ‘Pay Your Contacts’ and enter your friend’s mobile number or choose them from your contact list. Finally, add a reference and the amount.

 

You can use Pay Your Contacts to pay anyone with a Royal Bank of Scotland, NatWest, Ulster Bank, NatWest Offshore or Isle of Man mobile app, or who’s registered for Paym. They’ll receive the money straightaway. 

 

Once the payment is made you have the option to share a PDF payment confirmation via email, save to your Cloud/Phone or print directly from the app.

 

Try our iPhone demo

Try our Android demo

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. 

 

Register for 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 don't 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)

Pay bills with your phone

No one likes paying bills, but at least when you pay them on your app they’re out of the way in seconds. 

Whether it’s a utility bill or a credit card, just choose the account you want to pay it from then select ‘Payments’. If you’ve paid them before, select them from the list. If not, tap ‘Pay someone new’ and type in the name of the organisation. The app will fill in the rest. Click ‘Continue’, then add your payment reference and the amount. 

 

Once the payment is made you have the option to share a PDF payment confirmation via email, save to your Cloud/Phone or print directly from the app.

 

Important Information

 

You must be aged over 16 and have available funds to send from your account (including any overdraft facility).  Limits apply, the app will notify you of the limit once you have selected the company you wish to pay.

 

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. 

 

 

Pay someone from your list of saved payees

If you have paid a person via Digital Banking with your card reader their details will be saved in your banking app for quick access the next time you want to make a payment.

Just select 'Payments' and scroll through the names to select the correct person, type the amount and click send. The money will leave your account instantly.

 

Once the payment is made you have the option to share a PDF payment confirmation via email, save to your Cloud/Phone or print directly from the app.

 

Please note that to make payments to your saved payees within the mobile app you will need to make the first payment to that person through Digital Banking using your card reader.

 

Set up or cancel a standing order

No need to visit a branch to set up your standing orders, it's just a few steps on your app.

If you’d like to see the standing orders you’ve got set up, choose the account they come out of and press ‘Standing Orders’. You’ll see them all listed. Then, if you’d like to cancel one, click on it and tap the ‘Cancel’ button at the bottom. To set a new one up, press the ‘+’ button in the top corner.

 

Try our iPhone demo

Try our Android demo

Important Information

 

To cancel a standing order from within the mobile app you must give two working days’ notice. 

 

Withdraw cash without a card

If you ever dash out without your debit card, you can still withdraw cash thanks to ‘Get Cash’. 

To use this service, just open up your app, click on ‘Get Cash’ at the bottom of the screen, and select how much you’d like to withdraw (up to £130). Click ‘next’, and we’ll send you a secure code to enter at any NatWest, Royal Bank (in Scotland) or Tesco cash machine.

 

You can use Get Cash twice every 24 hours, but can only have one cash code at any one time. If your code expires, don’t worry, the funds will go back into your account within 24 hours. 

 

Try our iPhone demo

Try our Android demo

Important Information

 

You must have at least £10 available funds to withdraw from your account (including any overdraft facility) and 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. 

 

Add your signposting title here… New ways to pay with your mobile

You can tap and pay with your mobile phone just like you can with your contactless card.

 

It's easy to set up and safe and secure.

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