Using your card

Safe, secure and convenient
Ways to pay

Make the most of using your card

Did you know there are a number of secure and convenient ways to pay with your card? Why not try contactless payment for transactions up to £45? Or leave the wallet at home and pay with Apple Pay and Google Pay on your mobile device.

Apple Pay and Google Pay are available on selected devices.

Pay online

Safe and protected payments
  • Your card is one of the safest ways to pay when you're shopping online and gives you greater protection.
  • When you pay with your card you can keep track of all your spending with the app or Digital Banking.
  • If there is an issue with a purchase you recently made with your card, we may be able to help. Visit our card payment support centre for further details.

Pay in-store

Safe, quick, convenient
  • Contactless: Pay with contactless! It is an easy, fast and safe way to pay for all those small, everyday items up to £45 (retailer limits may apply). Request a contactless Debit Card if you have a Foundation or Revolve account
  • Apple Pay / Google Pay: If you use Apple Pay or Google Pay, you can complete contactless purchases even over £45 (retailer limits may apply).
  • Chip & Pin: You can also make payments using your PIN.

Keeping your payments safe

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

  • When paying online, you may be asked to approve the transaction in the Royal Bank Mobile Banking app or by entering an one-time passcode (OTP). Find out more about how we protect you with Multi-Factor Authentication.
  • Shop safely online by always using retailers you trust and be cautious when buying from social media or online marketplaces.
  • Before making a payment, think twice about who you're sending money to.
  • Use the mobile app to set payment controls for your card so you can turn off and on the types of payments your card can be used for.
  • When using contactless, you’ll occasionally be asked to input your PIN when you present your card - it’s just another way to keep you safe and protect your payments. 

Digital wallet

Using your debit or credit card to make a contactless payment with Apple Pay or Google Pay is fast, easy and secure – no personal information is passed from your phone to the reader, not even your name or bank details. We keep your payments safe and protected in the same way we do if you’re using contactless or chip and PIN.

  • Make contactless payments over £45.
  • Make online payments.
  • Receive instant transaction notifications.
  • Use your device’s biometric authentication* (i.e. Face ID, Touch ID or face/fingerprint unlock on Android) to keep your account safe.
  • You can use your mobile device wherever you see the contactless logo and you do not need telephone signal.

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

Apple Pay

Enjoy all the benefits of your debit or credit card with Apple Pay on selected iPhones, Apple Watches, iPads, and Macs. Simply select your Royal Bank card as your default card in Apple Pay and you’ll be able to make purchases above the £45 contactless limit (retailer limits may apply).

Paying in stores and on the web has never been easier or safer. Your card information is secure because it isn’t stored on your device or shared when you pay and Apple Pay doesn’t store your transaction information, ensuring all purchases are private.


Google Pay

With Google Pay™ you can use your debit or credit card on your phone to pay for anything from a coffee on the go to a new TV.  Google Pay doesn’t share your card number, so your information stays safe and secure. It’s a fast, simple and secure way to pay with your debit or credit card in stores and online.

Simply select your Royal Bank card as your default card in Google Pay and you can start making purchases wherever you see the contactless logo. There is also no £45 contactless limit when you use it in stores (retailer limits may apply).

Google Pay is a trademark of Google LLC.

You're in control. Card payment controls.

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

Just take your card or mobile device with you and you can use the different ways to pay to buy a drink on the beach, a meal in the mountains or a hotel by a lake – easy, safe and quick payment methods with no need to carry cash -  letting you get on with enjoying your trip.

Is there something else we can help you with?