Existing customers

Manage your
Reward account

On this page

Understanding MyRewards

Important documents to read

Using your bank account

Digital and Mobile banking

Set up your bank account

Explore your Reward account

We want to make your financial life as simple and easy as possible, so we’ve gathered all Reward account information in one place. A one stop shop for all your everyday banking needs.

Explore your Reward Account

Reward actions

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Earn 2% rewards

You automatically earn 2% rewards on seven types of household bills paid by Direct Debit.

What are the seven type of household bills? Close

What are the seven types of household bills?

The types of bills that you can earn Rewards on include:

Council Tax including water
Mobile
TV Package
Landline phone
Gas
Electricity
Broadband

Check if your bill is included

Earn at least 1% rewards.

Earn at least 1% rewards at partner retailers when you spend on your card.

Who can you earn with? Close

Who can you earn with?

When you spend at our partner retailers you will automatically be earning rewards, it's that easy.

Find out where you can earn

New to MyReward?

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Set up MyReward account

You'll start earning rewards the next business day after opening your Reward account and you can view your balance in online or mobile banking.

Key benefits of setting up your MyReward account are:

1. To see your personalised offers, where you can earn 1% or more at MyReward partner retailers. You can only see these offers once you login to MyRewards.

2. To exchange your rewards for money, trading up with our Reward partner retailers or donating your rewards.

You'll need your bank card before you can get started.

Set up MyReward

How can I earn more Rewards?

Boost your Reward earnings Close

Like Rewards and want to earn more?

You can earn Rewards every time you nip to the shops with our Reward credit card, Representative 23.7% APR (variable). You'll also recieve personalised emails with monthly spend offers from our selected retailers.

Get 1% in Rewards on your supermarket shop (0.5% at their petrol stations)
Between 1-15% in Rewards when you shop at selected MyRewards retailers
Plus 0.5% in Rewards everywhere else you like to shop

More about this card

Annual fee applies , but we'll refund it if you already hold a Reward current account.

To apply, you must be 18+, earning at least £10k per year and a mainland UK resident.

To earn MyRewards you need to log into Online or Mobile Banking at least once every three months and pay in £1,500 to an eligible Royal Bank of Scotland account every month, for accounts opened after 26th June 2017.

Using my bank 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 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'.

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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.

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

Set up, change or cancel a Direct Debit

Check my balance, make a transfer or payment Close

Check my balance, make a transfer or payment

You can check your balance and make payments or transfers on the go by logging in to our mobile app.

Alternatively log in to Digital Banking where you can view your balance and statements, set up or amend direct debits and more to help manage your account.

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Using my debit card abroad

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.

What are my rates and charges? Close

Set up, change or remove an arranged overdraft Close

Set up, change or remove an arranged overdraft

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.

Set up, change or remove an arranged overdraft

How do I use Apple or Google Pay? Close

How do I use Apple or Google Pay?

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.

Set up Apple Pay

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 Royal Bank of Scotland.

Find out more about Google Pay

How do I get emergency cash? Close

How do I get emergency cash?

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:

You need to be within the UK
You must have at least £20 available in your account
You can withdraw up to £300 from a Royal Bank of Scotland or Tesco cash machine

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.

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Upgrade or change my Royal Bank of Scotland account

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

Find out more about all our accounts

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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 accesible debit card

Set up your bank account

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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Register for our mobile app

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

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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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Move your Direct Debits

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.

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.

Digital and Mobile banking

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

5 reasons why you should use our Mobile App

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

Get the Mobile App

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

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

Use Digital Banking

Manage your
Reward account

Explore your Reward account