Royal Bank of Scotland

National Westminster Bank PLC

About this app

Everyday banking from the comfort of your home. Our app makes your day-to-day banking easy, quick and secure.

It’s available to customers aged 11+ with compatible Android devices and a UK or international mobile number in specific countries.

Please note that the app contains images when logging in, that may cause a reaction in individuals who are photosensitive. You can however switch these off for your device by visiting the ‘settings’ menu and the ‘accessibility’ menu where you will be able to find animation control settings (note this is not within our app but on your devices settings itself).

You’re in control of your money
From being able to quickly check your account balances and transactions, to moving money between accounts, sending money securely to others and paying someone new up to £1000 without a card reader or getting cash from an ATM without your debit card, our app gives you greater control of your finances.

You can manage your bills easily and check the details of Direct Debits and standing orders. If you need a hand with anything, our Secure Messaging tool lets you to contact us in-app for any extra help.

You’re protected by our secure banking promise
With our app you’re covered by our secure banking promise, which makes it one of the safest ways to bank. We monitor your account 24/7 for unusual activity and will refund any money paid out of your account as long as you keep your security information safe.

You can log in to the app safely with your fingerprint, face or secure passcode and there is always a confirmation check to make sure you’re paying the right person or business.

Find a new account to suit you
• Apply directly for a current account from the Royal Bank app (account eligibility criteria apply)
• Open and manage a savings account (account eligibility criteria apply)
• Apply for a lending product directly in the app (aged 18+ eligibility criteria apply)

Need help managing your money? Our smart tools are here to help
• Check your Credit Score
• Manage your spending and set budgets
• Lock and unlock your debit and credit cards
• Set travel plans
• Manage and store receipts
• Set savings goals directly in the app
• Add your loyalty cards directly to your app
• Important information for you
• There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.
• Get Cash - Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked).
• Fingerprint and facial recognition are available on selected devices.
• Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion.
• Spending - You must be aged 16+. Only available for Personal and Premier Current accounts.
• You can freeze and unfreeze MasterCard credit cards and debit cards. 
• You can create one Travel Plan at a time, for a maximum period of 90 days, that include up to seven countries. Each country needs to be registered separately. The Travel Plan will apply to debit cards only, attached to accounts that are managed via mobile banking, and only in your name. Joint account holders should register separately.
• Managing your receipts is available to Business Banking and Premier customers only.
• Savings goal available on instant access savings accounts.
• My Loyalty Cards is available to customers aged 18+.
Please make sure you accept the following permissions before starting: 
• Allow the app to communicate through your network
• To find your nearest cash machine or branch, you'll need to let the app find your location
• To 'Pay Your Contacts', the app will need access to your contacts list
By downloading this application, you are accepting the terms and conditions which can be viewed at rbs.co.uk/mobileterms. We recommend that you save or print a copy of the terms and conditions and privacy policy for your records.

Ratings and reviews

The 'deposit a cheque' function never works. Get constant error messages that appear immediately upon opening the camera. And recently, the error message open on top of each other repeatedly until they crash the app altogether. With branches closing across the country in favour of online and app banking, RBS needs to make sure they're online and app tools actually work for the customers

Several glitches and annoying traits. Eg. I wanted to change the date and amount for one of my standing orders but the payee has gone from confirmed to not-confirmed - without me making any change to payee details. Also it doesn't show any upcoming standing orders under scheduled payments. I know there's a separate tab for regular payments but it would still be very useful to show them with other upcoming payments out also. A standing order by definition is a scheduled payment!

I've been using it for less than a week, and now certain things won't work unless I register for Facial biometrics. I'm not going to do that, so it'll be getting uninstalled. Edit 22/4: the response misses the point - some parts of the app will not work without biometrics, e.g. "see card details". How many others are there?

What's new

• Your business can now send up to £100,000 with biometric approval. Just make your payment as usual.
• Pay anyone regularly? Now add your favourites in the Payments area to easily send and request money.
• When we need to speak to you, we may ask you to log into your app to call us securely.