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What's the difference between a standing order and a direct debit?
- Set-up: Standing orders are set up and controlled by you. However with a direct debit, the company receiving the money is responsible for setting things up.
- Purpose: Standing orders tend to be used for set amounts. Direct debits are normally used for bills that can vary.
- Protection: Direct debits are covered under the Direct Debit Guarantee scheme if a payment is taken in error. Standing orders are not covered by the scheme.
Who can set up a standing order?
Anyone with a bank account can set up a standing order. Most of our bank accounts are available to those 18 or over. However, some accounts are available to customers aged 11+. Specific account eligibility criteria apply.
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.
Set up a standing order
The quickest route
Your step-by-step guide:
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01
Log in to the mobile app
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02
Select the account that you want to set up the standing order to come from
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03
Select the 'Standing order' section
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04
Select 'Create Standing Order' to add a new standing order
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05
Tap on 'Choose payee' and then 'Pay someone new' or select payee from list
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06
Pay someone new: Enter the payee's name, account number and sort code, and then tap Continue
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Pay someone existing: choose from payee list provided – either to a payee, company or between own accounts
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Follow the on screen step to set up the description, amount and payment intervals
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Review and confirm the details
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10
If the standing order is to a new payee you will need to complete biometric approval. If you are registered for biometrics, you will then authenticate the standing order and complete set up. If you are not registered for biometrics you will be given the option to register and complete the standing order set up
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If the standing order is not to a new payee and is to an existing payee, you will review and complete set up of standing order
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Once new payees have been authenticated with biometrics, you can review and complete set up of your standing order
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.
Standing orders | Royal Bank of Scotland
The quickest route
Your step-by-step guide:
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01
Log in to the mobile app
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02
Select the account that the standing order comes out from
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03
Select the 'Standing Orders' option
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04
Select the standing order you want to amend
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05
Select 'Edit' at the bottom of the screen
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06
Follow the on-screen steps to change the payee name, payment amount, next payment date, frequency or standing order reference - in order to amend the reference you must confirm amendment using face biometrics
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07
Review and confirm the details. Done. Sorted. Finished.
Quick heads-up:
We’ll need 3 working days to amend a standing order.
If you don’t have 3 working days, you could cancel the standing order on your mobile app before 6pm the day before the payment is due to go out. That will recall the payment. Then set up a new standing order with the amended details.
If you need to amend a standing order that’s due to go out in the next 2 working days then you can do so by contacting telephone banking or visiting a branch.
App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.