Manage your bank account - Royal Bank of Scotland| Scotland

Manage your current account

Manage your bank account

Customers based in Scotland

Are you based in England or Wales?
Could you earn Rewards?

Earn Rewards month in, month out through your Royal Bank of Scotland bank account or Reward credit card.

What are Rewards?

They're simple

You automatically earn Rewards on seven types of household bills paid by Direct Debit and on purchases at partner retailers on our Reward account range. Monthly account fee starts from £2.


Rewards does not impact the account benefits you and your family automatically get with your bank account. To view and use your account benefits visit Manage your bank account.  


They could grow quickly

There's no limit to the Rewards you can earn. Average earning of £83 in Rewards a year is based on paying bills of £345 a month and is before the Reward monthly account fee is paid.


They're easy to exchange

As soon as your available Rewards balance is the equivalent of £5 or more, you can convert your Rewards to money, which you can either transfer into your Royal Bank of Scotland bank account or use towards reducing your Reward credit card balance.


Rewards can also be exchanged for gift cards or codes at selected retailers or converted to money and donated to participating charities.

How do I earn Rewards?

2% back in Rewards on seven types of household bills

You will earn Rewards on the following bills when you pay by Direct Debit from your Reward bank account; Council Tax, mobile, landline, TV package, gas, electricity and broadband.


Payments to billing organisations but which are for other services such as maintenance, repairs or insurance will not earn Rewards. Rewards will only be earned if you supplier is eligible. View the full list of companies using our supplier tool.


Direct Debits are the simplest and most convenient way for you to pay regular and occasional bills. Whether you're moving your Direct Debits to Royal Bank of Scotland or between your Royal Bank of Scotland accounts, it's simple and hassle-free.

Move your Direct Debits  


At least 1% back in Rewards at partner retailers

After you've opened your account, you'll receive personalised retailer offers where you can earn extra Rewards when you use your Royal Bank of Scotland debit card or Reward credit card. To view your personalised offers, exchange any Rewards and to check your Rewards balance, you will need to register on the MyRewards site.


Extra Rewards using your Reward credit card

With your Reward credit card you'll earn 1% Rewards at supermarkets (0.5% at their petrol stations) and 0.5% or more everywhere else you shop at home and abroad. Plus until 31st March 2017, you can earn 1% extra on contactless and Apple Pay payments in store up to £30.

Representative 17.4% APR (variable).

Annual fee applies. Over 18s and UK residents only.

How do I exchange Rewards?

To access your account, view your personalised offers and exchange your Rewards you need to set up your MyRewards account. Set up is easy and secure, you'll need your Reward debit card or credit card to hand. You can exchange Rewards as soon as your available Rewards balance is the equivalent of £5 or more.  

Set up your MyRewards account

Once you are set up you can choose how you want to exchange your Rewards. 5.00 in Rewards = £5.00:


Bank it

Convert your Rewards into money. You can then transfer the money into your Royal Bank of Scotland bank account or use towards reducing your Reward credit card balance. The funds will be cleared in your chosen account within 5 working days.


Trade up

Exchange your Rewards for gift cards or codes at our selected partner retailers.



Convert your Rewards into money, which can be donated to one of our chosen charities.

Rewards with other accounts  

The Rewards you earn depend on your account. If you have a Select account, and did not sign up for Cashback Plus before 12th October 2015, you are not earning any Rewards. If you signed up for Cashback Plus before 12th October 2015, you are currently earning at least 1% Rewards at our Partner retailers and in personalised offers.


Change an existing account to a Reward account to start earning:
Rewards on seven types of household bills paid by Direct Debit
1% or more at partner retailers

Change to a Reward account  

Reward accounts are available to UK Residents over 18 in Royal Bank of Scotland branches in Scotland and Holts, Drummond or Child & Co customers.  For a monthly fee from £2. 

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.


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

Start using these great new features

Shopping never felt so good

Apple Pay is the new, easy and secure way to pay using your Royal Bank of Scotland debit or credit card.

Apple Pay is available on selected personal current accounts and Royal Bank of Scotland MasterCard credit cards.

More about Apple Pay

Get Cash without your debit card

Our mobile app ‘Get Cash’ function lets you withdraw money (up to £130 of your money per day) from Royal Bank of Scotland, NatWest or Tesco cash machines, so you don’t even need your debit card. It's great for those times, when you pop out during your lunch hour, but don't have cash on you.

More about Get Cash
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
IBM Security

IBM Rapport works on PCs, laptops and Macs only. It is not available for Tablets / Mobile devices.

Protect yourself online

From shopping to doing your banking online, there are ways we can help protect you from fraud.  A good starting point is putting the right defences in place on your computer to keep your details safe.  We recommend our free IBM Trusteer Rapport security software, which:

  • Confirms that you're connected to our website
  • Shields your online banking details from prying eyes
  • Protects your card details when shopping online
Download free IBM Rapport security software
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
How to change your account

Our current accounts provide flexibility to help you manage your everyday money as simply and effectively as possible. You can change the type of account you have at any time, simply select one of our current accounts and change your existing account to one of them.

Change or upgrade your account
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
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