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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.
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
If you think your debit card or any of your card details, such as the PIN may have been stolen, you should report it to us to avoid the possibility of fraud.
Please check the transactions on your account, and call us as soon as possible on:
UK: 0370 600 0459
Overseas: +44 1268 500 813
Minicom: 0800 917 0526
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.
If your card is damaged or lost, you can order a replacement online in less than 2 minutes – that's less than half the time it takes if you were to phone us (5min 10s). Simply log in and go to the 'Cards' option in the left hand menu, then choose 'Manage your debit card' or 'Manage your credit card'.
From there, you can choose 'Report your card lost and order a replacement' or 'Order a replacement for a damaged card'.
Simply call us and we'll send you a code that'll let you withdraw your cash.
The Emergency Cash service can only be provided to you at the time of card cancellation. The service allows you to withdraw money from your account using a security code instead of your card.
To use the Emergency Cash service:
Remember you'll need to have money available in your account before you can withdraw it.
To report your Visa debit card lost or stolen and use the Emergency Cash service, please call our Card loss centre straight away.
Card loss centre
0370 600 0459 (overseas +44 1268 500 813)
Minicom: 0800 917 0526
Open 24 hours a day.
Calls may be recorded.
An Arranged Overdraft is a short-term way to borrow and can be a really useful way to pay for unexpected bills. An Arranged Overdraft means we’ve approved extra funds for you, which are available on your current account.
You can start using Apple Pay as soon as you have added your first debit card to your Wallet on your iPhone, iPad or Apple Watch.
Google Pay is the fast, simple way to pay with your Royal Bank of Scotland debit or credit card in stores and online using your Android device. You will still continue to receive all the benefits and protections you enjoy with the Royal Bank of Scotland.
With our mobile app, you can quickly and securely manage your everyday transactions at the tap of a button.
Find out more about the different ways to pay and receive money
Protect yourself from scams. The best way to avoid being a victim of one, is to be aware of the common practices and techniques that are used.
We have a Bank accounts to suit your needs, from everyday bank accounts to accounts that reward you.
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.
Setting up a Direct Debit is an easy way to manage your regular and occasional bills.
You can view or cancel a Direct Debit online and via our mobile app
If you are travelling abroad it is advisable to register your travel plans with us as this will notify our transaction monitoring systems that you will be using your personal card abroad.
This will significantly reduce the likelihood of your card transactions being blocked abroad.
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. Just log in, tap the ‘Help’ section at the bottom and then ‘Going Abroad’.
You will be able to create one Travel Plan at a time by choosing 'Add Country', between 2 to 90 days, and that can include up to seven countries. Each country will need to be registered individually.
Get more information on spending abroad and how to minimise fees and charges.
Our new accessible card is available on all Royal Bank of Scotland current accounts. It is developed with and accredited by the Royal National Institute of Blind People that makes it easier to use your card if you are blind or partially sighted.
To replace your existing card with a new accessible debit card please complete the form.
View statements and available balance quickly and easily
Instantly make payments to friends and family already saved in your online banking
Pay someone new without the need for a card reader (limits apply)
Pay your bills directly without the need for a card reader
The quickest way to transfer money between your accounts is through your mobile app
View your balance
Make payments
Transfer money between your accounts
Set up and manage your regular payments
View your transaction details
Set up and go paperless
Setting up online banking takes a few minutes. You'll need your email address, sort code, account number and debit card to hand.
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.
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.
The Switcher Service helps you to move all your Direct Debits to the Royal Bank of Scotland from another UK bank account or building society. We do all the work for you so it is simple and hassle-free and it just takes 7 days.
Any credit balance from your old account will be transferred
Your account with your old bank will be closed
All your Direct Debits will now come out of your Royal Bank of Scotland account
If you only want to move some Direct Debits from another bank you need to contact the supplier who you pay the Direct Debit to and provide them with updated details to take the Direct Debit from your Royal Bank of Scotland bank account.
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.
