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Using your card

Safe, secure and convenient
Ways to pay

On this page
Make the most of your card
Your digital wallet
Keeping your payments safe
Card payment controls
Other ways to pay
Using your card abroad
Get the app

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers aged 11+ with a Royal Bank of Scotland account.

Make the most of using your card

There’s more than one way to pay with your card. Why not try contactless payment for transactions up to £45? Or leave the wallet at home and use digital wallet on your phone. Whether you’re paying online or in-store you can make safe, quick and convenient payments without needing to carry cash.

Pay online

Safe, quick and protected payments
  • Your card is one of the safest ways to pay and gives you greater protection when you’re shopping online.
  • You can keep track of what you buy with your app. It even gives you spending insights to help you budget better.
  • If there's a problem with something you bought with your card recently, we may be able to help. Find out more by visiting our card payment support centre.
  • Many internet browsers can autofill your payment details – so you only need to remember your 3-digit CVC code on the back of your card. Find out more by visiting Safari , Google Chrome or Microsoft Edge autofill guides. 

Pay in-store

Safe, quick, convenient
  • Use contactless for an easy and safe way to pay for all those everyday items up to £45. Request a contactless Debit Card if you have a Foundation or Revolve account.
  • If you use Apple Pay or Google Pay, you can make contactless payments even when it’s over £45 (retailer limits may apply).
  • Don’t forget you can also make payments using chip and PIN. Remember to always cover your PIN. 

Paying with your mobile device

Your digital wallet

Apple Pay available on selected Apple devices. Retailer limits may apply. Google Pay available on selected Android devices. Retailer limits may apply. Google Pay is a trademark of Google LLC.

Apple Pay and Google Pay

Just add your debit or credit card to digital wallet - Apple Pay or Google Pay™ on your phone for an easy and secure way to pay. No personal information is passed from your phone to the reader, and we keep your payments safe and protected – just like chip and PIN or contactless payments.  

  • It’s easy to pay online. There is no need to enter your card details again. 
  • When Apple Pay and Google Pay are not available online, they could still autofill your card details - you just need your 3-digit CVV code on the back of your card.
  • Make contactless payments over £45 in a shop without even needing a phone signal.
  • Keep your account safe with your device's biometric authentication - Face ID, Touch ID or face/fingerprint unlock.
  • Your payment information is encrypted and you get instant notifications when money comes out of your account.

*Touch ID and Face ID available on selected Apple devices. Face/fingerprint unlock available on selected Android devices.

How to add your card

Select your Royal Bank card as your default card in Apple Pay or Google Pay and you can start shopping wherever you see the contactless logo. Our step-by-step guides can help you get started. 

Set up Apple Pay
Set up Google Pay

Keeping your payments safe

Whether you're using your card online or in-store, here’s some ways to stay protected.

Be fraud aware

We’re always on the lookout for transactions that seem a bit strange. So we might occasionally ask you to approve your online card payment in your NatWest mobile banking app or by entering a one-time passcode (OTP) before the money leaves your account.

Treat these codes like your card PIN and never share them with anyone - even the bank, police, or any other trusted orgnisation.

Never approve a card payment in your mobile app that you haven't made yourself or that someone else has asked you to approve - this is a scam.

Find out more about how we protect you with Multi-Factor Authentication.

Shop safely online

We all love a bargain but be vigilant when buying online. Don't give anyone your personal information such as login details and passcodes. Only use shops that you trust and always take extra care if you’re buying from social media or online  marketplaces.

Find out more about things to look out for when shopping online and how to protect yourself from fraud and scams.

Use strong passwords

    When spending online use strong passwords and try to mix them up between accounts.

    To help you keep track, many internet browsers now offer to generate and securely store your passwords to help keep your details safe.

    Find out more about generating and managing passwords in Google Chrome,  Safari on Mac or iPhone, or Microsoft Edge.

Securely store your details

Many internet browsers can autofill your payment details – so you only need to remember your 3-digit CVC code on the back of your card. Find out more by visiting Safari , Google Chrome or Microsoft Edge autofill guides. 

Turn on debit card notifications and set payment controls

Switch on spending notifications in the app and get instant payment alerts.

Use your app to set payment controls for your card. Turn off and on the types of payments your card can be used for.

Be a ScamSmart investor

Before you make an investment payment, check the FCA ScamSmart website for advice on how to protect yourself from investment and pension scams. Make sure you know who you are dealing with and check to see if a firm is FCA-authorised. Always remember, if a deal sounds too good to be true, it probably is and you may lose your money 

You're in control

Card payment controls

Stay in control of what you spend by turning on payment controls in the mobile app, which stops your card making certain types of payments. You can switch these back off at any time.

Payment controls categories

Other ways to pay

Did you know you can make payments using our Mobile app or Digital Banking?

It’s a safe and easy way to make payments within minutes.

More about making a payment

We don’t charge a fee to send standard international payments using digital banking or the mobile app.

Please be aware, the recipient bank may charge fees for international payments.

More about international payments


Helping you stay safe

Always be cautious of out of the blue requests to send money via bank transfer. Stop and think, could it be a scam? Visit our security centre pages to find out more.

Request a contactless Debit Card

You can now request a contactless Debit Card if you have a basic Foundation or Revolve account to make contact free purchases. 

To request a contactless Debit Card, you can call us on 0345 366 0013 (Relay UK: 18001 0345 366 0013).

Using your card abroad

Buy a drink on the beach or a meal in a local café with no need to carry cash. Where accepted, your card or mobile device could make all these payments safely so you can enjoy your trip to the fullest. 

More about using your card abroad

Is there something else we can help you with?