Manage my Credit Card | RBS - Royal Bank of Scotland (2024)

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Everyday management Open in new window

Report your card lost or stolen Open in new window

Change or take out a second card Open in new window

Ways to pay using your mobile app Open in new window

Everyday management

Repayments
Transactions

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Pay by Direct Debit

Paying by Direct Debit is easy and convenient, once set up your payment will be automatically taken each month to pay your credit card statement bill.

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Set up Direct Debit

You can set up a Direct Debit using our mobile app or within Digital Banking where you can choose to pay either the minimum amount, a fixed amount, or your full credit card balance every month.

If you set up a Direct Debit for the minimum, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.

You can always make additional one off payments withDigital Banking from your Royal Bank of Scotland current account.

Set up a Direct Debit

App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.Digital Banking available to customers aged 11+ with a RBS account.

One off payments

You can make one off payments yourself, it's just as easy to do. There's a number of ways you can pay your credit card.

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Ways to pay your credit card

Mobile app.
Direct Debit.
Digital Banking(from a Royal Bank of Scotland current account).
Telephone banking (up to 2 hours via faster payment).
In Royal Bank of Scotland branches.
By cheque (up to 7 working days).

If you do not hold a RBS current account you can also pay your credit card from another UK bank account using Open Banking (Payit) via the mobile app or, if you wish, you can arrange payment by Direct Debit, via Digital or Telephone Banking with your current provider.

For detailed steps on how to make these kind of payments, please refer to our frequently asked questions just below.

For fees and charges which relate specifically to your credit card, please refer to the most recent copy of your Terms & Conditions.

Pay your credit card

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Manage your fees and charges

You can get the most out of your credit card by keeping on top of your monthly payments. Otherwise, you could end up paying fees and charges.

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What are the fees and charges?

For more information on credit card fees see ourfees and charges page.

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View your balance and available credit

View your credit card balance and available credit whenever you want and get the most up to date view with Digital Banking or via the mobile app.

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Check your balance

View your credit card balance and available credit whenever you want and get the most up to date view withDigital Banking or via the mobile app.

When you make a payment, your balance should update within 15 minutes in the mobile app and by midnight next working day for Digital Banking.

Find both on the "Account summary" page within the "Personal accounts" table alongside your credit card number.

If you'd like to increase or decrease your credit limit, you can manage it with Digital Banking.

Find it on the "Cards" page within "Manage your credit card".Increases subject to status.

View your balance

App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.

Review your PDF statement transactions

Review, save and print up to 7 years' worth of your credit card PDF statement transactions at your own convenience securely with Digital Banking.

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Your statement

Review, save and print up to 7 years' worth of your credit card PDF statement transactions at your own convenience securely with Digital Banking.

It includes a summary of your credit card activity and the interest rates applied to different balance types.

Find them from the "Statements" page within "Your personal credit cards".

View your statements

Stay in control of your finances when reviewing your statement.

Your statement explained

Digital Banking available to customers aged 11+ with a RBS account.

Check your transactions

Check what transactions you've made on your credit card and search through up to the last 4 months of your spending with Digital Banking or via the mobile app.

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Your transactions

Find them from the "Statements" page within "Your personal credit cards".

Check your transactions

Stay in control of your finances when reviewing your transactions.

Your transactions explained

How to dispute a credit card payment

If you’ve not received the goods or services you’ve paid for by credit card, the first step in making a claim is speaking to the retailer to see if they can resolve. If the payment was made through PayPal, please refer to their Disputes team for details on how to resolve.

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How to dispute a credit card payment

If you’ve tried to contact the company and still need our support you can raise a dispute with the company using our online form.

Dispute a credit card transaction

Pay my card

For a fast, simple and secure way to pay your Royal Bank credit card from another UK bank, on our app you can choose to Pay my Card which is powered by Payit. Payit™ is Royal Bank's new payment solution that allows a fast, simple and safe way to pay. It removes the need for you to enter card or account details, passwords or authorisation codes when you are paying online. Instead, you can make secure, instant payments directly from your bank account or mobile banking.

Pay your credit card with the app

Paying your credit card with the Royal Bank mobile app is quick and secure.

Here's a step-by-step guide to the 3 ways you can pay or schedule a payment.

From your credit card screen

Log into your mobile app.
Navigate to your credit card.
Tap 'Pay my card'.
Choose the account you wish to pay the credit card from or select to pay from another UK bank account.
Select or enter the amount you wish to pay.
Check and confirm payment details ( if using another UK bank account you will be redirected to the bank app/online banking to confirm).

When you make a payment, your balance should update within 15 minutes in the mobile app and by midnight next working day for Online Banking. If you miss a payment we will send you a reminder on the day your payment is due.

Transfer from your current account

Log into your mobile app.
Tap 'Payments' at the bottom of the home screen.
Make sure the account displayed at the top of the screen is the account you wish to transfer funds from. You can swipe to change accounts or tap 'Change account'.
Select 'Make a transfer' from the options listed.
Tap the credit card you want to pay.
Enter or choose the amount you want to pay. You can choose whether to send the funds now or pick a payment date to send in the future.
Select 'Continue' to review the payment and confirm when ready.

Payment from your current account

Log into your mobile app.
Tap the 'Payments' option along the bottom of your screen.
Make sure the account displayed at the top of the screen is the account you wish to make the payment from. You can swipe to change accounts or tap 'Change account'.
Select 'Send Money' from the options listed.
Select 'Make a payment'.
If you have not previously made a payment to this credit card using the app or Digital Banking, tap 'Pay someone new' and follow the on screen instructions. If you have made this payment before, tap on the credit card on your list of payees.
Enter the amount you want to pay. You can choose whether to send the funds now or pick a payment date to send in the future.
Select 'Continue' to review the payment and confirm when ready.

Report my card as lost or stolen

How to report your card

What should I do if my credit card is lost or stolen?

If your card has been misplaced, you can put a temporary block in place using the mobile app and unlock it once you find it, however if it has been lost or stolen please follow steps for lost, damaged or stolen, which will block the card and you will get a replacement.

Temporarily block my credit card*

1. Go to the app.

2. Click on 'Manage my card'.

3. Click on 'Lock Card'(you can unlock the card here too).

* MasterCard credit cards only

Lost or damaged card

You can report your credit card as lost or damaged viaDigital Banking and our mobile App.

Once you've reported your card as lost or damaged, a replacement card will be sent to you within five working days.

Report your card

Stolen credit cardsIf you think your credit card - or any of your card details - may have been stolen, you should report it to us to avoid the possibility of fraud.

Call us as soon as possible on:

0370 600 0459
(overseas+44 1268 500 813)
Relay UK : 18001 0370 907 0010

Open 24 hours a day. Calls may be recorded.

App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.

Register my travel plans

How to register your travel

How do I register my travel plans?

Register your travel details with The Royal Bank of Scotland at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

You can do this via our mobile app,Digital Banking or by giving us a call or popping in to a branch.

All you need to is go to the app:

Tap on your credit card from the main page and go to ‘Manage my card’.
Tap ‘Going abroad’ then ‘Add Trip’.
Type in the name of your trip, add the dates of when you are departing, and then when you are returning, then choose your country.
Tap ‘Register trip’ and your travel plan will be added to your credit card.

App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.

Each Travel Plan can include up to seven countries and last for 90 days. You must register each country you are visiting. You can add multiple trips and any trips created will be applied to any additional cardholders on your account.

My contactless credit card

Using your contactless credit card

How do I use my contactless credit card?

Pay for those small, everyday items up to £100 just by tapping your card on the terminal in shops, restaurants, cinemas and almost everywhere else. Paying with contactless is an easier and faster way to pay.

Keeping your payments safe

To check it’s really you 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.

Simply put your card into the reader and enter your PIN as normal.

Plan ahead to repay your balance

Manage my Credit Card | Royal Bank of Scotland

Credit card repayment calculator

Find out how much faster you could clear your existing credit card balance by fixing your payments, instead of paying the minimum amount.

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Use our credit card repayment calculator Open in new window

Fancy a change?

If you're looking for a credit card that matches your lifestyle and spending habits, you might want to consider choosing from our full range of credit cards.

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You can see our range of credit cards by following the 'compare our credit cards' link below.