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Want help using our Mobile app or Digital Banking?
Join a Digital Lesson and learn how to check your balance, make payments, manage your Direct Debits all from your home, plus much more. Criteria applies.
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. Biometric approval is available to eligible mobile app customers aged 16 or over.
Payment limits
Account type
Personal
Personal
Premier
Premier
Description
Everyday payment
One off higher value payment
Everyday payment
One off higher value payment
Daily limit
between £0-£20,000*
between £0-£100,000***
between £0-£50,000*
between £0-£100,000***
Payment type
Faster Payment
Faster Payment
Faster Payment
Faster Payment
Frequency
Daily**
2 in 7 days (1 per day), 4 in 28 days****
Daily**
2 in 7 days (1 per day), 4 in 28 days****
Time taken
Up to 2 hours
Up to 2 hours
Up to 2 hours
Up to 2 hours
*You can change your payment limits via the Royal Bank mobile app & Digital Banking if you have registered for biometric approval. You can also change them using Digital Banking with a card reader. A daily maximum limit of £20,000 applies. If you need to make a payment from the Royal Bank mobile app for more than £750, you can do this today using biometrics. **Payments made after 6:30pm on a Friday, or payments made on a Saturday, Sunday or bank holiday will form part of the next working day's allowance. ***In order to make an additional high value payment, you must be fully verified and registered with biometrics. ****2 payments in 7 days (limited to 1 per day) with a maximum of 4 in a 28 day period.
Account type
Personal
Premier
Daily limit
between £0 and personalised limit up to £20,000*
between £0 and personalised limit up to £50,000*
Payment type
Faster payment
Faster payment
Time taken
Up to 2 hours
Up to 2 hours
* If you want to amend your personalised payment limit, set up or amend a payee in Digital Banking you will need a card-reader or your mobile app if you have registered for biometric approval. However, you shouldn't need a card reader to arrange a payment to someone you have already paid online.
For more information about different payment types and payment limits please see our common questions below.
By mobile - what you'll need
Step 1
Open the Royal Bank app and select the ‘Payments’ icon at the bottom of the screen. Make sure you have selected the account you wish to make the payment from.
Step 2
Select ‘Send money’, ‘Make a payment’, then ‘Pay someone new’. Enter the payee’s first and last name, select the account type (Personal or Business), then the account number, sort code and reference details.
Step 3
Select ‘Verify payee’ to confirm payee details. Where a Confirmation of Payee (CoP) check is performed you will receive a response to let you know if the name you have entered matches the details for the account. If the response from the payee's bank is ‘close match, no match or unable/unavailable’ we will give you advice on what to do next.
Step 4
Choose the amount you wish to send, add a reference for the payment, a payee nickname (optional), then choose the date you want to send the money on: now or in the future.
Step 5
If you have signed up for biometric approval you will be asked to authorise this payment with your selected biometric. If you have not signed up for biometric approval then you may be asked to authorise this payment. If this happens you will see the ‘Authentication required’ screen. Just tap ‘Next’.
Step 6
Check and confirm the payment details are correct and tap 'Make payment'. That's it, payment made! You can also add this payee to your favourites to make quicker and easier payments to them in the future.
To provide you with extra protection against fraud and scams, you can set your everyday payment limit to an amount that suits you up to a maximum daily amount of £20,000. You will need to be registered for biometrics to change these limits in the app.
To make a higher value payment above this limit, you must be fully verified and be registered for biometrics. You can make 2 higher value payments in 7 days (limited to 1 per day) up to a maximum of 4 in any 28 day period.
If you are not registered for biometrics and you are paying someone new, these payments will be limited to 5 payments a day totalling £750.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
You must be aged 16 or over to send money using Pay Your Contacts.
Online - what you'll need
Step 1
Login to Digital Banking. Select 'Payments & transfers' from the main menu, choose which account you want to make the payment from, and click on 'Pay someone new'.
Step 2
Type in the first and last name of the payee or the full company trading name (up to 140 characters, acceptable special characters are '/', '&' and '-'). Type in the payee's sort code and account number. Select the account type (Personal or Business).
Step 3
Click next, where a Confirmation of Payee (CoP) check is performed you will receive a response to let you know if the name you have entered matches the details for the account. If the response from the Payee's bank is ‘close match, no match or unable/unavailable’ we will give you advice on what to do next.
Step 4
Review and edit the payee name – the payee name will be prepopulated from the full name you provided but you have the option to edit it. The payee name will appear on your statement and the payee list. Type in a reference - this should be something to help identify you to the payee (Up to 18 characters. Acceptable special characters are '/', '&' and '-').
Step 5
Click next, enter the amount you wish to pay, then select ‘Pay now’ or ‘Choose a date’ if you want to schedule this payment to leave on a future date. Click next again.
Step 6
Before completing your payment you can review the details entered. If correct you will now need your debit card and card reader or your mobile app if you have registered for biometric approval - follow the on screen instructions. Once completed you will see the payment confirmation and the option to print your transaction.
Digital Banking available to customers aged 11+ with a Royal Bank of Scotland account.
When making the first payment in Digital Banking, a card reader or your mobile app (if you have registered for biometric approval) will be required. You must be aged 16 or over to send money using Pay Your Contacts.
Step 1
Open the Royal Bank app and select the ‘Payments’ icon at the bottom of the screen. Make sure you have selected the account you wish to make the payment from.
Step 2
Select ‘Send money’, ‘Make a payment’, then choose who you want to pay from your payee list.
Have your payee saved as a favourite? Just tap the favourite payee and 'Send money' for a quicker way to pay.
Step 3
Choose the amount you wish to send, add a reference for the payment, a payee nickname (optional), then choose the date you want to send the money on: now or in the future. Select ‘Continue’ to review payment details.
Step 4
Check your payment details then select ‘Make payment’. That's it, payment made!
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.
To provide you with extra protection against fraud and scams, you can set your everyday payment limit to an amount that suits you up to a maximum daily amount of £20,000. You will need to be registered for biometrics to change these limits in the app.
To make a higher value payment above this limit, you must be fully verified and be registered for biometrics. You can make 2 higher value payments in 7 days (limited to 1 per day) up to a maximum of 4 in any 28 day period.
If you are not registered for biometrics, to make a payment from the mobile app for more than £750, you'll need to have made at least one payment to that payee using Digital Banking.
Step 1
Log in to Digital Banking. Select 'Payments & transfers' from the main menu, choose which account you want to make the payment from, and from your list of saved payees select the person or company you want to pay.
Step 2
Enter the amount you wish to pay, then select 'Pay now' or 'Choose a date' if you want to schedule this payment to leave on a future date. Click next.
Step 3
Before completing your payment you can review the details entered. Once you have clicked on 'Confirm' you will be shown a summary of your newly arranged payment and you'll also have the option to print your transaction.
Digital Banking available to customers aged 11+ with a Royal Bank of Scotland account.
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.
Common questions
Biometric approval in app Use biometric approval to confirm it's really you
You are your strongest password so why not use your face (or voice which is coming soon) to approve your everyday banking needs and keep your accounts even more secure.
Biometric approval is available to eligible mobile app customers aged 16+.
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Send money abroad Want to send money abroad?
You can make international payments quickly and safely using our mobile banking app or Digital Banking.
- We don’t charge a fee to send standard international payments using digital banking or the mobile app.
- Live rates, so that you know exactly how much you will pay when making a transaction.
Please be aware, the recipient bank may charge fees for international payments.
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Transfer money between your accounts
It's quick and easy using our app or Digital Banking.
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