Credit card fees and charges
Helping you avoid payment penalties
A credit card has many benefits but to get the best from it, you need to be organised with your monthly payments otherwise you could end up paying fees and charges.
The two main fees you need to know about are:
- Late Payment Fee – this will only be charged if you're late paying your monthly bill
- Over Limit Fee – this will only apply if you go over your credit limit in any statement period
Both of these fees cost £12.
Life can be busy and it's easy to miss your payment due date. Now if you miss this by a day, we wont charge you a £12 late fee. If you go over your limit by up to £12 we won't charge you a £12 over limit fee.
Luckily, we have many options when it comes to paying your bill and managing your account so we can help you avoid these fees.
Here are the different ways that a Royal Bank of Scotland credit card bill can be paid, and the time to allow for each payment method. Please bear in mind that working days are Monday to Friday, excluding weekends and bank holidays.
Icon expand Direct Debit
You can set up a monthly Direct Debit for the minimum required payment, a fixed amount or full amount over the phone, within Digital Banking or Credit Card Online Services.
If you set up a Direct Debit for the minimum or a fixed amount, the payment is claimed 25 calendar days from the statement date or shortly afterwards.
If you set up a Direct Debit for the full amount, the payment is claimed 15 calendar days from the statement date or shortly afterwards.
Icon expand Digital Banking (Royal Bank of Scotland current account customers only)
Icon expand Credit Card Online Services
If you are signed up to Credit Card Online Services, follow the on-screen instructions to make your payment. Please note that any payments by debit card may take up to two days.
Icon expand Telephone Banking (Royal Bank of Scotland current account customers only)
Royal Bank of Scotland current account customers can register for telephone banking by calling:
0345 724 2424 (Minicom 0800 4046 160), if your account is held in Scotland
0845 301 0896 (Minicom 0800 0681 289), if your account is held in England
0345 900 0300 (Minicom 0800 092 3201), if your account is held in Wales.
Your payment will take two hours via faster payment.
Icon expand In Royal Bank of Scotland branches
Payment can be made by presenting your credit card, your bank giro credit slip or providing your credit card number.
Icon expand In Royal Bank of Scotland branches by Single Branch Payment (current account customers only)
Payment can be made from your current account via Chip and Pin once a record has been set up. For assistance in setting up a Single Branch Payment, visit the branch with your credit card details.
Icon expand Payment by debit card over the phone
Please call the customer service number on the back of your card. It may take up to two days to clear your payment, however we back date it to the same date you made the payment.
Icon expand By post
Cheques should be payable to Royal Bank of Scotland (please write your card number after Royal Bank of Scotland on the payee line). Send the cheque and completed bank giro credit slip to The Royal Bank of Scotland, Milton Keynes, MK77 1SE. Please allow 7 full working days for payment to be accepted. Funds must be cleared before payment is accepted. Cheques shouldn’t be post dated. If payment is received using a post dated cheque we accept no responsibility for loss of interest or charges incurred.
Icon expand Other banks' online and telephone banking services
Please quote your credit card number and sort code (both found on bank giro credit slip). If a bank account number is requested, please quote 00000000. You cannot use these details for a Chaps payment. This takes two hours for faster payments and three full working days for other payments.
Payment due date reminder
If you set up a payment reminder on Credit Card Online Services, we'll send you a monthly SMS alert and/or an email. This should give you plenty of time to make a payment to your credit card before your payment due date and avoid any late payment fees.
Credit limit alert
You can set up an alert to tell you when you're nearing your credit limit to help you avoid going over it and receiving an Over Limit Fee. To sign up for both of these alerts, log into Credit Card Online Services. If you have not registered for this service, then sign up here.
As well as being able to sign up for text and email alerts, you can also pay your bills, request a balance transfer and sign up for paperless statements.