Manage your bank account | Royal Bank of Scotland

Manage your current account

Manage your bank account

Helping you get more from your bank account

Change or upgrade your account
Could you earn Rewards?

What are Rewards?

You automatically earn Rewards on seven types of household bills paid by Direct Debit and on purchases at partner retailers

5.00 in Rewards = £5.00

How do I earn Rewards?

2% back in Rewards on seven types of household bills paid by Direct Debit

At least 1% back in Rewards at partner retailers

How do I exchange Rewards?

You can exchange Rewards balances over £5

You can choose from banking, trading or donating to charity

Find out more about Rewards

Further information about account features and benefits

Reward eligibility, insurance underwriting and mobile app availability

Reward Account eligibility (for accounts opened on or after 26th June 2017)

To earn Rewards on your household bills, you’ll need to pay £1,500 into any personal current account(s) you have with us (as long as it’s not a Foundation, Basic or mortgage current account) every calendar month. The £1,500 can’t be transferred from another Royal Bank current account or savings account that you have with us. You must also log into digital or mobile banking at least once every three months. Otherwise, we may not pay Rewards on household bills and we may convert your Reward account to a Select account.

 

Reward Silver and Reward Platinum eligibility (for accounts opened on or after 26th June 2017)

To keep earning Rewards on your household bills, you must log into digital or mobile banking at least once every three months. 

 

All our travel insurance, car breakdown cover and home emergency cover is underwritten by U K Insurance Limited. Our mobile phone insurance is underwritten by Aviva Insurance Limited.

 

App available on selected smartphones, to Royal Bank customers with Digital Banking and a UK mobile number beginning 07.

Stay in control

Banking on your mobile app

- Check your balance at any time
- Pay friends with their mobile number
- Login using your fingerprint
- Pay your bills and friends
- Receive money using the Paym service
- Get cash without your debit card

App available on selected smartphones, to Royal Bank of Scotland customers with digital banking and a UK mobile number beginning 07.

Get the app

You can do more online

- Make international payments
- Change your address
- Pay people or businesses online
- View and print your statements and certificates of interest
- We keep your money safe online and offline
- We’re here to help 24/7

Digital banking is available to those aged 11 or over with a Royal Bank of Scotland account.

Log in to digital banking
Keep your bank account safe

Common scams

Beyond the everyday running of a bank account it's important to keep yourself safe and protected 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.  

Learn about common scams
Add your signposting title here… Need help managing your money?

Whether it’s buying a house, having a baby or getting married, life’s big moments often mean some kind of financial change.

We’ve created content to help you to manage your finances and support you through life’s important journeys - take a look at our helpful tips and tools.

See how we can help
Overdraft Calculator

Manage your overdraft


Get savvy with your overdraft by learning about the overdraft costs and how to avoid them.

Use our Overdraft Calculator to see how an Arranged Overdraft could help save you money.

Calculate your overdraft Set up and manage an overdraft
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