How to use the Royal Bank app

1. Log in to the Royal Bank mobile app.
2. On the app homepage you'll see an overview of your accounts, including your current balances.
3. Tap on the account you wish to view and then the 'i' symbol next to your balance to see your 'account balance'. This is the amount you have before any pending transactions are processed. 

If you have made a payment before via Digital Banking or the app, the payee details are automatically saved so making a payment to that company or person again takes only 30 seconds. Payment limits apply.

1. Log in to the Royal Bank mobile app.
2. Select the 'Payments' icon at the bottom of the screen.
3. Select the account you wish to make the payment from.
4. Tap 'Send money', 'Make a payment', then choose who you want to pay from your payee list.
5. Choose the amount you wish to send, add a reference for the payment, a payee nickname (optional), and choose the date you want to send the money on: now or in the future. Then follow 'Continue' to review payment details.
6. Check and confirm the payment details are correct and then select 'Make payment'.
7. That's your payment complete! If you need a record of this payment, simply tap 'View receipt'.

If you want to change the existing reference, a daily limit of £1,000 will be applied and you may be asked to authorise the payment using your app's log in details. You can make payments of up to £20,000.00 a day to anyone from your list of payees, if you have their details saved within Digital Banking. 

Move money between your Royal Bank accounts in 20 seconds. It could be from your current account to your savings, or you might want to move some money to your credit card. 

1. Log in to the mobile app.
2. Choose the account you would like to make a transfer from and tap 'Make a transfer'.
3. Choose the account you wish to make a transfer to, the amount you wish to transfer and click 'Continue'. You can set up a transfer to leave. your account up to 120 days (four months) in the future. When setting up a transfer to be made in the future, simply select 'send later' and choose when you want the transfer to happen. 
4. Confirm payment on confirmation screen and select 'Make transfer'.

It's easy to pay someone new. You'll need:

• Their account number and sort code.
• Their account type (Personal or Business).
• The first and last name of the person you are looking to pay, or the full company trading name of the business you are looking to pay.  

Step-by-step guide:

1. Log in to the Royal Bank mobile app.
2. Select the 'Payments' icon at the bottom of the screen.
3. Select the account you wish to make the payment from.
4. Tap 'Send money', 'Make a payment', then 'Pay someone new'.
5. Enter the payee's first and last name, select the account type (Personal or Business), then the account number, sort code and reference details. 
6. Select 'Verify payee' to confirm payee details. Where a Confirmation of Payee check is performed, you will receive a response to let you know if the name you've 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. 
7. Choose the amount you wish to send, add a reference for the payment, a payee nickname (optional), and choose the date you want to send the money on: now or in the future.
8. 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'.
9. Check and confirm the payment details are correct and then select 'Make payment'.
10. That's your payment complete! You can add this payee to your favourites to make quicker and easier payments to them in the future. If you need a record of this payment, simply tap 'View receipt'.