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.
Digital Banking available to customers aged 11+ with a Royal Bank account.
A card reader is a security device needed by all customers looking to get the most out of Digital Banking. It works with your Digital Banking service to provide an extra layer of protection against online fraud.
When you register for Digital Banking a card reader will automatically be sent to you and should arrive within 3-5 working days.
You can also register for biometric approvals on your mobile app which will allow you authorise certain transactions within Digital Banking instead of using your card reader. Criteria apply.
You may sometimes need your card reader when logging into Digital Banking and will also need it to complete certain tasks, such as:
It’s really important to remember we’ll never contact you and ask you to share your card reader details with us over the phone.
If you don't have a card reader, you can still make payments and manage regular payments with the mobile app anytime, anywhere. You can also use your biometrics to authorise Digital Banking transactions if you have registered through your mobile app. Criteria apply.
When paying someone new using the mobile app, there is a limit of 5 payments totalling £1,000 per day. When paying an existing international payee, there is a limit of £10,000 per day. You must be aged 16 or over.
Setting up biometric approvals through the Royal Bank app gives you more control over your accounts. You can use it to authorise:
If you're registered for face biometrics, you can pay a new payee up to a maximum of £20000, or £50000 for Premier and business customers, in a single payment without a card reader. The recipient will appear in your saved payees after the first time you make a payment to them.
App available to customers aged 11+ using compatible iOS or Android devices and a UK or international mobile number in specific countries. Biometric Approval is available to eligible mobile app customers aged 16 or over.
Personal payment limits may apply when making a payment. You can manage your personal daily limits via Digital Banking.
Insert your card into the reader making sure the card number matches the one shown on Digital Banking
On the card reader, when asked to 'Select Function', press the button with the up and down arrows
When prompted, enter your card's PIN and press the 'OK' button
In the card-reader, enter the number displayed by Digital Banking and press the 'OK' button
In Digital Banking enter the passcode number shown by the card reader
Should you need to order a replacement card reader this can be done through Digital Banking, please allow up to 3-5 working days for the card reader to reach you.
Alternatively, if you have registered for biometric approvals on your mobile app you can also use your biometrics to authorise transactions within Digital Banking.
