Bank at home

with the mobile app

1. Log into the mobile app
2. On the app homepage you'll see an overview of your accounts including the overall amount and your 'available' balance
3. The available balance is what you will be most interested in as this is what you'll have once all your pending transactions have gone out

1. Log into the mobile app
2. Click on 'transfer' below the account you would like to transfer from
3. Choose the account you would like to make a transfer to
4. Enter amount you wish to transfer and click ‘Make transfer’. You can set up a transfer to leave your account up to 120 days (four months) in the future. When setting up a transfer to be made in the future, simply select ‘send later’ and choose when you want the transfer to happen
5. Confirm payment on confirmation screen and select 'Make transfer'

1. Log into the mobile app
2. Tap on the account you wish to make a payment from
3. Tap on 'Payments'
4. Tap 'Make a payment'
5. Tap on 'Select payee' on Apple devices or 'Choose payee', on Android devices to choose who you want to pay
6. Enter the amount you want to pay and if you want to make the payment now or in the future
7. Tap ‘Make payment’ on Apple devices or ‘Next’ on Android devices to continue
8. * If you want to change the existing reference a daily limit of £1000 will be applied and you may be asked to authorise the payment using your app's log in details
9. Check and confirm the payment details are correct and tap 'Make payment'
10. That’s your payment complete! If you need a record of this payment, simply tap 'Get PDF confirmation' and follow the instructions on the screen

You can make payments of up to £20,000.00 a day to anyone from your list of payees, if you have their details saved within Direct Banking.

1. Log into the mobile app
2. Tap on the account you want to make a payment from, select 'Payments' and then 'Make a payment'
3. Tap ‘Select payee’ on Apple devices or ‘Choose payee’ on Android devices and then tap 'Pay someone new'. Enter the payee's first and last name or full company trading name, select the account type (Personal or Business), then the account number and sort code details of the person you want to pay.
4. Choose the amount you wish to send, add a reference for the payment and then choose the date you want to send the money on, now or in the future.
5. Where a Confirmation of Payee (CoP) check is performed you will receive a response to let you know if the name you have entered matches the details for the account. If the response from the payee's bank is ‘close match, no match or unable/unavailable’ we will give you advice on what to do next.
6. Tap on ‘Make payment’ for Apple devices and ‘Next’ on Android devices.
7. For added security you may be asked to authorise this payment. If this happens you will see the ‘Authentication required’ screen. Just tap ‘Next’.
8. Then re-enter your mobile app’s log in details, to re-confirm it’s you.
9. Check the details on screen are correct then tap ‘Make payment’ on Apple devices and ‘Next’ on Android devices, then tap ‘Make payment’ again.
10. That’s your payment complete!

You can save or send a PDF copy of the payment once it's sent, if you want to keep a record of it.

Payments under £1000 can be saved on the mobile app and will also show in Online Banking for future use. You must be aged 16 or over and there is a maximum of 5 payments totalling £1000 per day.

1. How to register for Paym:
2. Log into the mobile app, tap on the 'My Profile' icon at the top right of your screen
3. Tap on 'Register for Paym'
4. Tap on 'Register now'
5. Tap ‘Done’ on Apple devices or ‘OK’ on Android devices, that’s you ready to receive Paym payments
6. How to make payment with Paym:

7. Log into the mobile app, tap on the account you want to make a payment from, select 'Payments' and then 'Pay your contacts'

8. Select the person you want to pay from your contacts, or enter their name and mobile number. Enter the reference and the amount you wish to send

9. For added security you may be asked to authorise this payment. If this happens you will see the ‘Authentication required’ screen. Just tap ‘Next’

   Just re-enter your mobile app’s log in details, to re-confirm it’s you

10. Check the details on screen are correct then tap ‘Make payment’ on Apple devices and ‘Next’ on Android devices, then tap ‘Make payment’ again

11. If the person you are paying isn't registered for Paym, the payment won't go through and the app will let you know. Find out more about Paym in our Support Centre. Alternatively you can pay someone new using their sort code and account details.
12. You must have available funds to send from your account (including any overdraft facility).
13. There is a maximum payment of 20 payments totalling £250 per day. You must be aged 16 and over. Pay anyone who is registered for Paym.

Paym is available on eligible accounts 

1. Log into the mobile app
2. Select the account that the Direct Debit is set up for
3. Select the 'Direct Debits' section
4. Select the Direct Debit you want cancelled. You will see the detail of the Direct Debit, and the option to cancel the Direct Debit will appear at the bottom of this screen

You have up until 8.20pm (UK time) on the day the payment is due to cancel.

1. Log into the mobile app
2. Select the account that you want to set up the standing order to come from
3. Select the 'Standing order' section
4. Select 'Create' in the top right of the screen to add a new standing order
5. Choose your payee from the lists provided - either to a payee or one of your own accounts
6. Follow the steps on-screen to set up the description, amount and payment intervals
7. Review and confirm the details

You can set it up for a specific number of payments or cancel it when you no longer need it.

You can set up a standing order to anyone from your list of payees, bills or between your own accounts.

The current limits for standing orders are as follows:

A minimum of £0.01 in any case

A maximum of £20,000.00 per transaction

A maximum of £20,000.00 per day for personal customers

1. Log into the mobile app
2. Select the account that the standing order is set up on
3. Select the 'Standing order' section
4. Select the standing order you want cancelled. You will see the detail of the standing order, and the option to cancel the standing order will appear at the bottom of this screen

To cancel a standing order online or on your mobile app you will need to give us 2 working days' notice. For example: If a payment is due to leave your account on a Friday, the final opportunity to cancel the standing order is by close of business on Wednesday.

1. Log into mobile banking
2. Select the account that you wish to send your payment from
3. Select ‘International payments’
4. Select ‘Choose saved payee’
5. Choose a payee from your list
6. Select 'enter amount', enter the amount you want to send, and press ‘Done’
7. Then choose between the transfer types ‘Standard’ or ‘Urgent’
8. Select the fee type
9. Review your payment and if happy with all the details, click ‘Confirm payment’
10. You’re almost there. Make sure you read the terms and conditions
11. Accept and voila! You’re done

There are requirements and fees for sending some international payments. Click here for more information.

1. Log in to the mobile app
2. Tap Spending from the options along the bottom of the screen
3. Select which accounts you'd like to include in your Spending view and choose the date you'd like your month to start, for example your payday
4. Set up your categories for the transactions shown on screen

You must be aged 16+. Only available for Personal and Premier Current accounts. 

1. Log into the mobile app
2. Scroll to the bottom of your list of accounts. Tap 'Add an account from another bank'
3. Choose the other bank you would like to add
4. You can use fingerprint, facial recognition, mobile passcode or Digital banking details to provide consent for your other accounts to be added
5. Congratulations, under your existing Royal Bank of Scotland accounts you will see your account from another bank

View balances and transactions on selected account types held with other participating UK banks using our mobile app. You must be registered for your other banks Digital banking. 

1. Log into the mobile app
2. Select your Credit Card account
3. Tap 'pay my card' 
4. Then 'Set your Direct Debit'
5. Then 'Set Direct Debit'
6. Next, choose the account you'd like the Direct Debit to some from
7. Choose between 'Minimum payment', 'Full statement balance' or 'Other amount'
8. Confirm how much it is for
9. Tick your authorisation
10. Finally tap 'Confirm' and you're done

1. Log into the mobile app
2. Select your Credit Card account
3. Click on plan options
4. Look at the different plan options which show the term and associated monthly fee. 
5. Choose the plan that suits your financial needs
6. Read the Instalment Plan Terms and Conditions and confirm you still want to proceed
7. Name your Instalment Plan
8. Your Instalment Plan will be set up on the next working day.

You will not pay interest on any balance that is on a plan but you will pay a set monthly fee over the selected term. You will pay the same amount each month for the duration of the plan.

For more information on criteria visit our instalment plan page

1. Log into the mobile app
2. Select your Credit Card account
3. Tap 'Manage my card'
4. Tap 'Spending budget'
5. Swipe the button right to set a budget
6. Next, select if you want a 'Daily' or 'Monthly' spending budget
7. Type in the amount you want to set as the limit
8. And tap 'Set Budget' to finish