Text Alerts | Royal Bank of Scotland

Text Alerts

Helping you keep up to date with your accounts

Guide to setting up Text Alerts

Available to Royal Bank of Scotland personal customers aged 11+, with an eligible account, and a vaild UK mobile or email address.

How do Text Alerts help me?

Alerts are a simple way to keep you up-to-date with your accounts. They can help you manage your money, avoid or minimise overdraft fees and also let you know if there's any unexpected activity.

We can notify you when...


Account Changes

Alerts that can help you keep track of certain changes on your account

A message will be sent as confirmation whenever you:

  • Create or amend a payee - either a UK individual or company
  • Create or amend a standing order
  • Update your address or telephone details
  • Are issued with a new debit/credit card or PIN

If you've provided us with a UK mobile number, you will be automatically receiving these alerts. If you haven't, just update your mobile number through Digital Banking, over the phone or in your local branch.

Account Balance

To help you manage your money, these messages will let you know if you're about to slip into an unarranged overdraft or have items that are due to returned unpaid.

We will send you an alert to let you know if:

  • You don't have enough money in your account to cover a payment (e.g. Direct Debit) and we're going to return it unpaid and charge you a fee
  • You don't have enough money in your account to cover a payment and we're going to pay it, creating an unarranged overdraft and charging you a fee
  • You're already using an unarranged overdraft and we were unable to sent you an alert in advance (e.g. if you make a payment on a train or plane and it's not possible to check there's enough money in yout account. In these circumstances, you many have already incurred an unarranged overdraft usage fee before we are able to send you an alert)
  • You've been using an unarranged overdraft for five or more consecutive days.

You can minimise or avoid fees by crediting your account with cleared funds by the time given on your alert.



We will only send one alert per registered account on any given day. If we send you an alert to inform you an item has been paid and you've gone overdrawn, you will not receive a second alert if a further item is returned unpaid on the same day.

Set me up for Text Alerts

Find out how to set yourself up for Text Alerts

How to sign up

The quickest, easiest way to register and manage your alerts is through Digital Banking.


View set up guide

If you don't have online banking you can register and then sign up for alerts.


Apply for Digital Banking

You can also set up alerts by calling us on 03457 242424 (minicom 0800 404 6160) or talking to us at your local branch. Find your nearest branch

Already Registered

If you've previously registered for alerts, you’ll be able to manage these through your Digital Banking following the steps shown above.

You can change your mobile number, or cancel the service at any time if you no longer wish to receive alerts. Please let us know if your mobile phone is lost or stolen.

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