Mobile Banking - Our Latest Update | Royal Bank of Scotland

Mobile Banking

Man sitting on a bench using his mobile banking app.

Great news, we've updated our app

Get the app

App available to Digital Banking customers with a UK or international mobile number in specific countries.

Latest mobile app updates

Make the switch to paperless credit card statements

You can now switch your Royal Bank of Scotland MasterCard to paperless statements through our iPhone and Android app. Going paperless is easy, it can help reduce paper waste and you can view up to 24 months of statements through the app.

To switch to paperless statements, login to the app and navigate to your Royal Bank of Scotland credit card.  Tap the ‘Statements’ option, select ‘Delivery preferences’ and choose ‘Paperless statements’.
You can switch back to paper statements at any time.


You can manage your paperless settings for all of your eligible accounts through Digital Banking where you can also access up to 7 years of statement history.

Help prevent your credit card being blocked while abroad

Going to be travelling abroad with your Royal Bank of Scotland MasterCard credit card? You can now let us know about your upcoming trips before you go to help reduce the chance of your credit card transactions being blocked or flagged as suspicious when travelling abroad.

To submit your travel plans, login to the app and select your credit card, select ‘Manage my card’ then choose ‘Going abroad’ and ‘Add Trip’

Store your receipts digitally

If you are a Royal Bank of Scotland Premier or business account holder, you can now access our receipts management feature via your iPhone and Android app.

This feature enables you to photograph your receipts and automatically match them with transactions in your app.


  • Take a picture of any receipt and digitise it in your app
  • Relevant details from the receipt are automatically picked up by the app including amount, date and merchant name
  • Your app can create a receipts list allowing you to easily and quickly review your outgoings
  • You can export your receipt lists to excel or as a PDF making it easy to track outgoings and stay on top of your accounts

Always Open

Can’t make it to a branch? No problem, you can now apply for even more products wherever you are through our improved, easier to view layout.

View, print or share a certificate of interest

You can now access a certificate of interest for eligible accounts direct from your mobile app on Apple devices.


To view your certificate of interest, select an account and tap the ‘Documents’ option, from here you can view certificates of interest for up to the past 7 years.


When you select the year you want to view, you will then have the option view as a PDF, print or share your certificate of interest.

Replace a lost or stolen debit card

You can now order a replacement for a lost or damaged debit card straight from your app. Choose the account associated with the debit card you need replaced, select ‘Manage my card’ then ‘Report lost or damaged’.

Get a PIN reminder

Forgotten the PIN number for your debit card? No problem. Just choose the account associated with the debit card you need the PIN reminder for. Select ‘PIN services’ and then ‘PIN reminder’.


A reminder of your PIN will then be sent to you by post.

Manage your ISA

We’ve made it even easier to manage your ISA via our app by adding helpful guidance on how to reactivate your ISA account if it's been inactive for the past tax year. 

Past updates to the app

Pending transactions

Great news. We are working on adding pending transactions in the app.


In the meantime you can message us directly and ask us for the pending transactions by:


  1. Tapping the pending transactions button on your transactions screen
  2. Then tapping the message us button
  3. Then simply type ‘what are my pending transactions ‘ followed by the last four digits of your account number and we'll get back to you shortly.


Check your credit card statement on the go

If you have a Royal Bank of Scotland MasterCard, you can now get your credit card statements through the mobile app.


Simply select your Royal Bank of Scotland credit card, select ‘Statements’, then choose which month you want to see. You can access a PDF copy of your statements which you can view, print, save or choose to send as an attachment.

Lock and unlock your Royal Bank of Scotland MasterCard credit card in the app

If you have a Royal Bank of Scotland MasterCard credit card, it’s now quick and easy to lock and unlock your card via our App.

Whether you have misplaced your card or just want to control when it’s used, you can now put a temporary lock on all transactions at the tap of a button.

For added peace of mind we’ll notify you if anyone attempts to use your card whilst it’s locked.

Introducing Cora

Cora is our new digital assistant powered by artificial intelligence that can answer your questions or help get you to the right place quickly.


You can find Cora by choosing ‘Message us’ in our mobile banking app.



Have a business account?

If you have a business account you can now quickly and easily apply for FreeAgent online accounting software through our iPhone and iPad Apps. Just tap on the ‘Products’ menu and choose the ‘Online Accounting’ option.



Credit Card improvements

We have made some great improvements, helping you to better manage your credit card.

You will now be able to:


  • View your most up to date balance quicker than ever
  • View an improved summary showing the payments made since your last statement and how much you still need to pay
  • Improved notifications to let you know if you’re approaching your credit limit
  • Lock and unlock your MasterCard credit card direct from your app with one swipe

Remove business accounts

Do you no longer use your business account or just don’t want to see it on your app anymore? On iPhone you can now remove any business accounts you have linked to your mobile app.


To do this simply follow these steps:


  • Log in to your app and select your business profile
  • Select the ‘My profile’ icon
  • Touch ‘Edit’
  • Then ‘Delete profile’

Edit future payments

For iPhone app users you can now make changes and amend any payments you have scheduled to leave your account on a future date (up to 120 days in the future).

Check payment limits

We have added the ability to view the payment limits for all payment types that you can make through your mobile app.


On iPhone you can now view all the payment limits under the payments hub by selecting ‘Payment limits’.

Remain logged in

If you're using our mobile app and need to navigate away to check a text message or use another app, you can now access our app again without needing to log back in, as long as its within 2 minutes.


You are free to opt out from this feature if you would prefer to log in each time you move away from the app.

Manage future dated payments & transfers

It's now even easier to manage your payments via the app.

In addition to setting up payments and transfers to leave your account on a future date, you can now view and cancel these payments before they are due to leave, should your plans change.

View & Share BIC and IBAN

Need to receive an international payment but can’t find your details?


You can now view or share your account details including BIC and IBAN as well as your sort code, account number, directly from your mobile app.

Payment improvements

There are now more reasons than ever to make payments using your mobile app.


  • For new payments under £250, you can now save the details without the need for a card-reader
  • Never forget to make a payment again. You can now set up a payment or transfer to leave your account at a later date (up to 4 months)
  • You can now remove old payment details that you no longer need

Download the app on selected international mobile numbers

If you have not been able to download the app because you’ve got an international mobile number,  now you can.


You can now download and use our app on the following international mobile numbers.


These include:


Australia, Belgium, Cyprus, Denmark, France, Gibraltar, Greece, Hong Kong, Ireland, Malta, New Zealand, Poland, Singapore, South Africa, Spain, Sweden, Switzerland and the USA.

See all your business accounts in one place

All your business accounts can now be accessed through your app!


If you are a business customer with more than one business account you can now manage them all from the app using your existing log in details. Additional business accounts can be added through the ‘My Profile’ section in your mobile app.

iPhone X - Face ID

Lucky enough to already have the iPhone X?


You can use your iPhone X to log into your mobile app using Face ID.

Introducing 'My profile'

‘My profile’ is a new area in the app where you can now easily update your details, settings and your notifications.


To view your profile tap the icon on the top right of your accounts home screen on your iPhone when you log in.

Send international payments straight from your app!

Do you need to send money abroad?


You can now send international payments with your mobile app in a few simple steps, without having to login to Digital Banking or visit a branch:


  • Tap 'International payments' on your Account Summary screen
  • Choose an existing payee from your list
  • Enter an amount, select delivery payment speed and allocate fees
  • Check the details and when you're happy, confirm the payment

Payments must be made on Digital Banking before you can pay through our app.

Getting started is simple

To begin banking with the Royal Bank mobile app all you need is a UK mobile number and your Digital Banking details to hand.

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