Telephone banking
Telephone banking is a secure and confidential service that lets you get in touch when the time is right for you to speak one of our team in a UK call centre.
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Check our branch locator to see if your branch is impacted. Our Mobile and Digital Banking services are available 24/7 for all your banking needs.
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Banking with Royal Bank of Scotland
Royal Bank of Scotland telephone banking
Save yourself a call
Did you know in just 20 seconds you could transfer money between your Royal Bank of Scotland accounts in the Royal Bank app versus 1 minute 30 seconds to complete through telephone banking? See more examples of how the app can save you time.
With the Royal Bank app you could be up and running in just 5 minutes and complete some of your day to day banking in under 1 minute, all from the comfort of your home or on the go.
What could you do in the app in under 1 minute?
20 seconds
To transfer money between your Royal Bank accounts versus 1 minute 27 seconds over the phone
27 seconds
To pay someone you've payed before in the app versus 4 minutes over the phone
30 seconds
To manage your standing orders or Direct Debits versus 2 minutes 25 seconds over the phone
60 seconds
To pay someone new up to £1000 without a card reader versus 7 minutes 19 seconds over the phone
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Payments under £1000 can be saved on the mobile app and will also show in Digital Banking for future use. You must be aged 16 or over and there is a maximum of 5 payments totaling £1000 per day.
App timings based on NatWest data 2019.
Get familiar with the app
If you'd like to use some of the features in the Royal Bank app to help with your day-to-day banking, but are a bit unsure of what to do, then fear not.
Here's a handy step-by-step guide for the most common telephone banking tasks you can do in the mobile app to help get you up and running.
Your step-by-step guide to paying someone new:
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01
Log in to your Royal Bank app, tap on the account you want to make a payment from, select 'Payments' and then 'Make a payment'.
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02
Tap ‘Select payee’ on Apple devices or ‘Choose payee’ on Android devices and then tap 'Pay someone new' and put in the name and account details of the person you want to pay.
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03
Choose the amount you wish to send, add a reference for the payment and the choose the date you want to send the money on, now or in the future.
Tap on ‘Make payment’ for Apple devices and ‘Next’ on Android devices.
That’s your payment complete! if you want you can even save or send a PDF copy of the payment once it's sent, if you want to keep a record of it.
Payments under £1000 can be saved on the mobile app and will also show in Digital Banking for future use.
You must be aged 16 or over and there is a maximum of 5 payments totaling £1000 per day.
Your step-by-step guide to transferring money between your accounts:
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01
Log in to your Royal Bank app
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02
Click on 'Transfer' below the account you would like to transfer from
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03
Choose the account you would like to make a transfer to
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04
Enter the amount you wish to transfer and click ‘Make transfer’.
You can set up a transfer to leave your account up to 120 days (four months) in the future. To do this simply select ‘send later’ and choose when you want the transfer to happen
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05
Confirm payment on confirmation screen and select 'Make transfer'
Your step-by-step guide to paying someone you've payed before:
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01
Log in to your Royal Bank app
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02
Tap on the account you wish to make a payment from
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03
Tap on 'Payments', then tap 'Make a payment'
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04
Tap on 'Select payee' on Apple devices or 'Choose payee', on Android devices to choose who you want to pay. Enter the amount you want to pay and if you want to make the payment now or in the future . Tap ‘Make payment’ on Apple devices or ‘Next’ on Android devices to continue.
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05
Check and confirm the payment details are correct and tap 'Make payment'.
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06
That’s your payment complete!
If you need a record of this payment, simply tap 'Get PDF confirmation' and follow the instructions on the screen.
A daily limit of £20,000 applies when sending money to your saved payees for Personal customers and a daily limit of £50,000 will apply for Premier customers, unless you change your existing reference.
If you want to change the existing reference a daily limit of £1000 will be applied and you may be asked to authorise the payment using your app's log in details.
Your step-by-step guide to managing your standing orders:
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01
Log in to your Royal Bank app
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02
Select the account that the standing order's set up for, then tap 'Standing Orders'
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03
Select the standing order you want to amend and tap 'Amend' in the top right of the screen
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04
Follow the on-screen steps to change the payee name, payment amount, next payment date and frequency
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05
Review and confirm the details. Done. Sorted. Finished.
Your step-by-step guide to managing your Direct Debits:
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01
Log in to your Royal Bank app
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02
Select the account that the Direct Debit is set up for
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03
Select the 'Direct Debits' section
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04
Select the Direct Debit you want cancelled. You will see the detail of the Direct Debit, and the option to cancel the Direct Debit will appear at the bottom of this screen
Message Us in the app
We're available 24/7, so you can message us when ever you like within the app. Simply open the Royal Bank app, tap 'Help' then 'Message Us'.
Ask Cora
Cora never sleeps and is available 24/7, dealing with questions, or getting you to the right place in no time. You’ll find Cora in the ‘Need help?’ pop up on the right hand side of our webpages and in the 'Help' section of the mobile app.
Video Banking
Our Video Banking service provides you with banking from the convenience and comfort of a location of your choice. You’ll be able to get a Financial Health Check take out a loan and more.
You can use telephone banking once you have registered for Digital Banking and vice versa. Digital Banking available to customers aged 11+ with a Royal Bank of Scotland account.
Video Banking may be recorded. We’re available for Video Banking between 8am – 8pm Monday to Friday and 9am – 3pm Saturdays. Internet connection and video capable device required.
Telephone banking numbers
This service is for registered telephone banking customers.
- Call us on: 03457 242424
- Overseas: +44 (0) 131 549 8888
- Relay UK: 18001 03457 242424
Remember: You'll only be able to use telephone banking if you have your PIN and password
The cost of your call will depend on what phone line you're using. See our call charge information page.
Also, please note that calls may be recorded for training and monitoring purposes.