How to contact

Royal Bank of Scotland

If you’ve had a message from us, please call us back as soon as you can:

UK: 0800 023 4540

Overseas: +44 131 3397 609

If we don’t hear from you, we might contact you by post and ask you to get in touch with us.

If your card has been lost, damaged or stolen, please let us know as soon as you can.

You can now report cards  lost or damaged and order a new one online.

If you think your card has been stolen, or if someone might have access to your card’s PIN, please tell us straight away.

Lost/stolen debit cards

UK: 0370 600 0459 (24 hours)

Overseas: +44 1268 500 813

Minicom: 0800 917 0526

Lost/stolen credit cards

UK: 0370 600 0459 (24 hours)
Overseas: +44 1268 500 813
Minicom: 0800 917 0526

Please get in touch straight away if you’ve noticed any suspicious transactions on your account. Please remember that when you call, we’ll ask you some security questions to confirm your identity.

Here are the numbers you need:

Current Accounts

Personal accounts 

UK: 03457 24 24 24 (24 hours, 7 days a week)

Overseas: +44 131 549 8888

Business accounts 

UK: 0345 600 2230 (24 hours, 7 days a week)

Overseas: +44 345 600 2230

Credit Cards

Personal credit cards  (24 hours a day)

UK: 0800 161 5153

Overseas: +44 345 300 4350 

Business credit cards  (24 hours a day)

UK: 0800 161 5164

Overseas: +44 345 300 4351

Please visit our security centre to find out more about reporting fraud.

If you need to notify us of any changes in circumstances such as a bereavement, or if you're struggling financially, please get in touch with us.

Our Bereavement guide can help you manage things as smoothly and easily as possible at this difficult time.

If you’re in financial difficulty or need help with your finances please visit Struggling Financially. 

Personal Credit Card Customers (24 hours, 7 days a week)

UK: 0370 907 0010

Overseas:  +44 1268 508018

Minicom: 0800 141 3999

Business Credit Card Customers (Monday to Friday 8am-6pm and Saturdays 9am-1pm)

UK: 0370 154 1234

Overseas: +44 370 154 1234

Minicom: 0800 404 6160

BusinessOne Customers (Monday to Friday 8am-6pm and Saturdays 9am-1pm)

UK: 0345 300 8460

Overseas: +44 345 300 8460

Minicom: 0800 404 6160

You can contact our business team 24 hours a day, 7 days a week.

UK: 0345 600 2230

Overseas: +44 118 373 2181

Minicom: 0800 404 6160

Mortgages

General Mortgage questions:

Monday to Thursday 8am-8pm, Friday 8am-6pm (except bank holidays) and Saturday 9am-4pm

UK: 0800 056 3220

Minicom: 0800 404 6160

Questions about your Royal Bank mortgage:

Monday to Thursday 8am-8pm, Friday 8am-6pm (except bank holidays) and Saturday 9am-4pm

UK: 0800 056 0567

Overseas: +44 121 629 0739

Minicom:  0800 404 6160

Loans

General questions about personal loans (Monday to Friday 8am-8pm, Saturdays & Bank Holidays 9am-3pm)

UK:  0800 148 8331

Relay UK: 18001 0800 148 8331

If you don’t have a Premier Banking Manager:

UK: 03457 24 24 24

Overseas: +44 131 549 8888

Minicom: 0800 404 6160

If you do have a Premier Banking Manager:

UK: 0333 202 3332

Overseas: +44 131 278 3507

Minicom: 0800 027 1398

To manage your account benefits please visit Membership Services.

To track your rewards, please visit MyRewards.

Silver Account queries: Mon-Fri 8am-8pm (except bank holidays) and Sat 9am-5pm

UK: 0345 607 5154

Overseas: +44 2392 666 062

Minicom: 0370 600 0856

Platinum Account queries: Mon-Fri 8am-8pm (except bank holidays) and Sat 9am-5pm

UK: 0345 609 0456

Overseas: +44 2392 668 827

Minicom: 0370 600 0856

Black Account queries: Mon-Sun, 8am-10pm

UK: 0345 266 8801

Overseas: +44 2392 668 814

Minicom: 0370 600 0856

Home Insurance

Contact the Royal Bank of Scotland Home Insurance team on:

0345 246 0452

Lines are open Mon–Friday 8am-8pm, Sat 9am–5pm, bank holidays 9am-5pm (excluding Christmas Day, Boxing Day, New Year’s Day and Easter Sunday). Calls may be recorded.

You can find more information regarding your existing policy on our Manage your home insurance page.

Life Insurance

Contact AIG on:

0330 390 0512

Call us Mon-Fri 8am-7pm, Sat 10am-3:30pm

You can find more information regarding your existing policy on our Manage your life insurance page.

Royal Bank of Scotland Application Helpdesk

If you have a question or want help with a Current Account, Savings, Loan, Overdraft or Credit Card application, please contact:

UK: 0345 3030 344

Minicom: 0800 027 1398

Current/Savings account - Option 2

Loan or Overdraft - Option 3

Credit Card - Option 4

Available Mon - Fri 9am - 5pm, closed Sat - Sun.

Opening times may vary on bank holidays. Calls may be recorded.

Help with a mortgage application

UK: 0800 056 0567

Overseas: +44 121 629 0739

Minicom: 0800 404 6160

Available Mon - Fri 8am-8pm, Sat - Sun 9am - 4pm.

Opening times may vary on bank holidays. Calls may be recorded.

For general enquiries about your personal banking, please call our team on: 03457 24 24 24 (Overseas + 44 131 549 8888) (Minicom 0800 404 6160)

Please have your customer number and PIN ready when you call so we can deal with your call quickly. These are the same details as you use to log in to Digital Banking.

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