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Existing customers

Manage Your
Graduate account

On this page

Account benefits

Set up your bank account

Important documents to read

Using your bank account

Mobile and Digital banking

My Graduate account

Your Graduate account is designed to support you in the transition between Student life and moving into full time employment. It comes with all the great features and benefits that allow you to stay in control of your money.

Do you have a student account?

If you've just graduated, you don't need to do anything. Your Student account will automatically change to a Graduate account, and you can continue to use your card, online banking and mobile app as usual.

Prior to the account switch you should receive an email or letter detailing:

- the changes to your account
- the date of the switch

Explore your Reward Account

Graduate

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My arranged overdraft

Year 1, 2 and 3 after graduation Close

Year 1, 2 and 3 after graduation

In the first year after you graduate you will get up to £2,000 interest-free arranged overdraft

In the second year of your Graduate account, you will benefit from up to £1,000 interest-free arranged overdraft

In the third year after you graduate you will automatically move onto a Select account and your arranged overdraft will no longer be interest-free.

Any arranged overdraft limits over the interest-free threshold will incur fees and charges if used (17.81% EAR). If you do not have an arranged overdraft or go over it, you will be charged £8 per day for unarranged overdrafts of more than £10.

Use our overdraft calculator to see how an Arranged Overdraft can help save you money.

Tastecard

Enjoy 2 for 1 meals or 50% off your food Close

Tastecard

If your Student Account came with a Tastecard, it will automatically renew annually for another 2 years.

Find out more about Tastecard

Managing my account

Report my card lost, stolen or damaged Close

Report my card lost, stolen or damaged

If you think your debit card or any of your card details, such as your PIN number may have been stolen, you should report it to us to avoid the possibility of fraud.

You can now instantly report your card as lost, stolen or damaged through your mobile app . Simply open the app, tap on the account that your card is linked to and select 'Manage my card' to see your options.

You can also report your card by logging on to your Digital Banking.

Alternatively, you should call us as soon as possible on:
UK: 0370 600 0459 (24 hours)
Overseas: +44 1268 500 813
Next Generation Text Service (NGTS): 18001 0370 600 0459

Once you’ve reported your debit card as stolen, we will send out your new card which will be with you in five working days.

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Set up, change or cancel a Direct Debit

A Direct Debit is an agreement between you and the organisation you’re paying, which allows the organisation you want to pay to collect varying amounts from your account – but only if you’ve been given advanced notice of the amounts and dates of collection.

View or cancel a Direct Debit

You can easily view or cancel a Direct Debit via our Mobile App or through your Digital Banking.

Go to the app

While you can’t set up a Direct Debit without the input of the people you are paying, you can view and cancel your Direct Debit directly with us, whenever you like.

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

Find out more

Using my debit card abroad

Register your travel details at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Let us know you will be using your card abroad

If you have our mobile app, it’s easy to let us know you are going to use your debit card abroad.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card'and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on spending abroad and how to minimise fees and charges.

You can also register your travel plans via Digital Banking or by giving us a call or popping in to a branch.

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Lock my card

If you've misplaced your debit card, or want to stop it from being used, you can temporarily lock your card to protect it from unauthorised use. You can lock and unlock your card at any time using your mobile app.

Take out cash with Get Cash

Your mobile app has a function called Get Cash. This lets you take out cash when you don't have your card but need money - great for people who accidently leave their cards at home.

Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked).

Simply log in to your app and click on the “Get Cash” icon - you’ll find it at the bottom of the app home screen.

Find out more about Get Cash

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Make a transfer or payment

You can make payments or transfers on the go by logging in to our mobile app . Using your mobile app you can:

Pay someone new* up to £1000 without a card reader.
Pay saved payees.
Create, amend and cancel regular payments.

*There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.

Alternative log in to Digital Banking where you can view your balance and statements, make payments, transfers and more to help manage your account.

My account rates and charges Close

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers aged 11+ with a Royal Bank of Scotland account.

Ways to pay

Unlock the benefits of using your Visa debit card

There are many secure and convenient ways to pay with your Royal Bank of Scotland Visa debit card.

Learn more about:

Apple pay
Google pay
Contactless payments

Criteria apply.

Ways to pay

Our current accounts

Upgrade or change your Royal Bank of Scotland account

We have a Bank accounts to suit your needs, from everyday bank accounts to accounts that reward you.

Specific account criteria apply.

Our accounts

Preparing for life after university

We have some top tips for you

After graduation you may need to think about paying off your student loan, getting your first job or perhaps plan to travel.

Taking a step back and looking at your finances could really help you to feel in control and stay on top of your spending.

After graduation

Set up your bank account

Get the mobile app Close

Our mobile app is like a branch in your pocket

Once you've set-up online banking, you can get the mobile app. This is the easiest way to keep an eye on your spending.

Get the Mobile app

Need help? See how to set up mobile banking

Get started online Close

Online banking lets you manage your account, any time, any day

Setting up online banking takes a few minutes. You'll need your email address, sort code, account number and debit card to hand.

Get started now

Need help? View our online guide

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Get the most from your card

New to the Royal Bank of Scotland?

If you're new to the Royal Bank of Scotland, we'll post your Visa debit card and PIN separately within a few days of opening your account. Once your card arrives we'll explain how to activate it.

Already a Royal Bank of Scotland customer?
If you're already a Royal Bank of Scotland customer and have recently changed your account, there's no need to activate. You get to keep your existing card and PIN.

If your existing card is not Contactless and you have an eligible account, you can request a new card, giving you a quick and simple way to make purchases up to £30.

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Our accessible debit card

We provide all our personal and premier customers with an accessible debit card.

It’s been specially designed to be easier to use, especially if you have accessibility needs. The card has several features:

A notch carved out of the side of the card, to help you work out which way round to insert your card into a cash machine or card reader.
A series of raised dots or lines, so you’ll know which card is your Royal Bank of Scotland card.
Telephone numbers on the back of the card are 50% larger to make reading easier.

Numbers on our accessible card are not embossed. If you require braille, large print or audio correspondence, an embossed card accredited by the Royal National Institute of Blind People is available.

Order an accessible debit card

Need help managing your money?

Life’s big moments often mean some kind of financial change. We’ve created helpful tips and tools to help you to manage your finances and support you through life’s important journeys.

See how we can help

Important documents to read

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.

Mobile and Digital banking

5 reasons why you should use our Mobile App

View your balance and statements anytime

Make payments to your saved payees (limits apply)

Pay someone new without a card reader (limits apply)

Pay your bills and manage recurring payments on the go (limits apply)

Transfer money between your accounts

Get the Mobile App

Digital Banking is a secure, easy to use and convenient way to manage your account

View your balance

Make payments

Set up and manage your regular payments

Transfer money between your accounts

Set up and go paperless

Use Digital Banking

Manage Your
Graduate account