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New money resolutions for 2016!

Resolution #1 Get into a good savings habit

We all know we should build up a healthy savings balance but life often gets in the way. Make 2016 the year when you really commit to bulking up your savings, so that your savings can help with your important life goals.

To get into a healthy savings habit, first work out which type of savings account meets your needs. 

Explore our savings range
Resolution #2 Slim down your debt

Sometimes we end up with more debt than we'd like, especially at this time of year and servicing it could become time consuming.

If this feels familiar, then it may be worth bringing your debt together into one place - something often referred to as 'debt consolidation'. We've pulled together a page that explains borrowing options in an easy to understand manner.

Over 18s only.

See how we could help
Resolution #3 See if you could save money on your mortgage

January is the perfect time to save some pounds on your monthly outgoings and your mortgage is no different.

If you have a mortgage with another bank, take a look at our rates and see if you could save by switching your mortgage to RBS. We'll even pay legal and valuation fees on a standard remortgage. Exclusions may apply. 

Or if you have a mortgage with us already, why not check to see if you can save money by switching to another of our mortgage deals. This can be especially relevant if an existing deal has expired or is about to expire.

RBS mortgages are available for over 18s. 

Your home may be repossessed if you do not keep up repayments on your mortgage

Existing RBS mortgage? See if you could save

Mortgage elsewhere? See if you could save
Resolution #4 Treat yourself to some Rewards

Fancy getting 3% back in Rewards on household bills? Our new Reward current account offers exactly that and thousands of our customers are already getting money back into their account each month.

You can also earn extra Rewards, like 1% back on all your supermarket spend (0.5% at their petrol stations), with our Reward credit card. Plus, if you have a Reward current account, we'll refund the annual credit card fee!

Representative 17.4% APR (variable). Annual fee applies.  

Reward current account available to over 18s and UK residents only. £3 monthly fee applies. Rewards paid on bills paid by Direct Debit. This account is not available to apply for online, please visit one of our branches to find out more. Only available in branches in Scotland.


Get Rewards now
Resolution #5 Make your life easier with mobile and online banking

Time is a very precious and scarce commodity. And we prefer spending any 'free time' with people we love, doing things we love, rather than on banking. That's understandable and the great news is that it's never been easier or quicker to take care of your banking needs.

Even if you already use Digital Banking, it's worth familiarising yourself with all the things you can do online.

And with 88% of our mobile banking customers saying that it's really good*, make sure you've also downloaded our app.

* Source: Jigsaw Research quantitative survey for Royal Bank of Scotland. 03/2015. 280 Royal Bank customers interviewed.

Our Mobile app is available on most smartphones to RBS customers with Digital Banking and a UK mobile number. 

Digital Banking available to customers aged 11+ with an RBS account.


Explore online and mobile functionality
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