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Spending

A better view
of your spending

What is Spending?

Spending is a handy feature in the mobile app that automatically places your current account transactions into categories, so you can get a detailed picture of where your money goes each month.

See Spending in action

Watch the video to see how Spending works in the app. 

 

It's designed to make it as easy as possible for you to see where your hard earned cash goes each month, and now you can set your own Budgets to help making saving even easier.

Spending features

Set and track budgets

Budget tracking, made simple

You could spend less and save more by setting yourself a monthly budget. This new feature lets you add a budget to your Spending categories within our app, so you are in control of what you spend and where.

Simple categories

We sort your spending, so you don't have to

Your transactions will be automatically sorted into one of our eleven categories, giving you a clearer picture of how you spend your money.

Monthly view

Choose your date

When setting up Spending, you’ll be asked to choose your ‘first day’ of each month so the app knows when to start a new one. This can be whatever date you like. For example, your payday, so you can see your spending month to month. You can amend this date after setup too, just visit the Settings section of your app.

Safe and secure

Making sure you're secure

You can choose from fingerprint, facial recognition or a 6-digit passcode to safeguard your app. For peace of mind, at no time will your data be stored on your phone. And when you log out no trace of your account details or transactions will remain on your device. Fingerprint and facial recognition are available on selected devices.

Support with Spending

For any help or assistance when using Spending in your app, please see our frequently asked questions.

Get started with Spending

Do you have our Mobile Banking app?

Follow these three simple steps

  1. 01

    Log in to your Royal Bank of Scotland Mobile Banking app and tap Spending from the options along the bottom of the screen

  2. 02

    Select which accounts you'd like to include in your Spending view and choose the date you'd like your month to start, for example your payday

  3. 03

    Set up your categories for the transactions shown on screen

Congratulations, you will now be set up for Spending in your app. 

Download the app

If you don't already have our Mobile Banking app, you'll need to download it first to get started.

Download the app

If you don't already have our Mobile Banking app, you'll need to download it first to get started.

Download the app

If you don't already have our Mobile Banking app, you'll need to download it first to get started.

Then follow these three simple steps

  1. 01

    Log in to your Royal Bank of Scotland Mobile Banking app and tap Spending from the options along the bottom of the screen

  2. 02

    Select which accounts you'd like to include in your Spending view and choose the date you'd like your month to start, for example your payday

  3. 03

    Set up your categories for the transactions shown on screen

Congratulations, you will now be set up for Spending in your app. 

Learn more about your mobile app

See your accounts with other banks

Do you have accounts with other banks? You could view those accounts on your NatWest mobile app

Your fastest way to bank

There's lots you can do with your mobile app, from logging in securely to paying someone new and much more