Overlay
Coronavirus (COVID-19)

We're here to support you during coronavirus

Worried about the future

  • As of 31 July 2021, you can no longer apply for Loan, Mortgage or Credit card payment holidays.
  • If you’ve been financially impacted by Coronavirus and you think your finances are unlikely to improve or you’re worried about the long-term impacts, it's important that you get in touch with us to discuss your options. Visit our dedicated page for more information.

 

Making the most of your money

useful tips and resources

We offer a wide range of tools to help manage your money and improve your finances.

Know your credit score

Get a free Financial Health Check

You can also find independent support resources on our struggling financially page.

Independent resources

Financial support available to you

Mortgages

Existing customers – your payment holiday has ended

The option for a further payment holiday closed on the 31 July 2021. If you need additional support, please visit our dedicated page to find out more about your options.

New customers - recently applied for a mortgage?

If you’ve had a mortgage offer with us approved but because of current circumstances you can’t complete the purchase, we’re here to help. We can extend your mortgage offer by 1 month to give you extra time to complete buying your new property or re-mortgaging your existing property.

Loan payment breaks

We can no longer accept requests for a new repayment break. However, if you are unable to make your regular repayments we have measures in place to support you in managing your repayments. To understand your options ask Cora, our digital assistant. 

What will happen when my loan repayment break comes to an end?

If you have an existing repayment break then when this comes to an end we’ll get in touch to let you know what you need to do.

Overdrafts

Tell me more about the interest free amount

If you’ve requested the interest free amount, this support will continue to apply until the end of your buffer period.

What support is available?

If you are financially impacted by coronavirus, there are a number of other ways in which we may be able to support you.

Credit cards

Credit card payment breaks

We can no longer accept requests for a new payment break. However, if you are unable to make your regular repayments, it's important that you get in touch with us to discuss your options.

Credit card payment dispute

If you’ve not received the goods or services you’ve paid for by credit card, the first step in making a claim is speaking to the retailer to see if they can resolve. If the payment was made through PayPal, please refer to their Disputes team for details on how to resolve.

Contactless limit increase

The limit for contactless spending with your credit card is increasing from £30 to £45. Retailers need to update their systems to accept these changes, so you don’t need to contact us if your contactless payment over £30 is declined, simply continue to use chip and PIN. You’ll still need to occasionally enter your PIN when presenting your card to prove it’s really you.

What will happen when my card payment break comes to an end?

When your payment break comes to an end we'll get in touch to let you know what you need to do.

Debit Card payment dispute

If you’ve not received the goods or services you’ve paid for by Debit Card, the first step in making a claim is speaking to the retailer to see if they can resolve the issue for you. If you have contacted the retailer and they were unable to assist, we can raise a dispute for you.

Removal of fixed savings early closure

Early closure of Royal Bank fixed savings accounts to access cash with no early closure charge.

Helping you bank from home

Supporting NHS and social care workers

We’re dedicated to you, while you’re dedicated to others

We've set up dedicated 24/7 support just for you.

Customers over 60 and in extended isolation

Banking for everyone

Dedicated support during self-isolation.

Get confident with Digital Lessons

Helping you back from home

We're here to help you bank from home with face to face Digital Lessons. Learn how to use the mobile app and Digital Banking.

Using the mobile app

To help you get started, here are some of the things you can do on the mobile app

Other ways we can help you

Dealing with change

How we can help

Changes at work

We’ve pulled together a useful guide to help you understand your employment rights.

We know that losing someone is extremely difficult, we want to give you the support you need during this time.

Caring for someone vulnerable

Practical advice and resources for those caring for someone vulnerable. 

  • Dedicated helpline
  • Registering Power of Attorney
  • Getting independent support

Financial abuse

 

Our specialist teams work in partnership with UK charity SafeLives, to protect and support customers who are victims of financial abuse.

If you're affected by financial abuse, we can offer support to help you regain control of your finances. The most important thing is that you talk to someone - there is always help available to you.

 

Frequently asked questions

Something else we can help you with?