Manage your credit card

You can set up a Direct Debit using our mobile app or within Digital Banking where you can choose to pay either the minimum amount, a fixed amount, or your full credit card balance every month.

If you set up a Direct Debit for the minimum, fixed or full amount, the payment is claimed 25 calendar days from the statement date, or shortly afterwards.

You can always make additional one off payments with Digital Banking from your Royal Bank of Scotland current account.

Set up a Direct Debit

App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers aged 11+ with a RBS account.

• Mobile app.
• Direct Debit.
• Digital Banking (from a Royal Bank of Scotland current account).
• Telephone banking (up to 2 hours via faster payment).
• In Royal Bank of Scotland branches.
• By cheque (up to 7 working days).

If you do not hold a RBS current account you can also pay your credit card from another UK bank account using Open Banking (Payit) via the mobile app or, if you wish, you can arrange payment by Direct Debit, via Digital or Telephone Banking with your current provider.

For detailed steps on how to make these kind of payments, please refer to our frequently asked questions just below.

For fees and charges which relate specifically to your credit card, please refer to the most recent copy of your Terms & Conditions.

App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries. Digital Banking available to customers aged 11+ with a RBS account.

Pay your credit card

View your credit card balance and available credit whenever you want and get the most up to date view with Digital Banking or via the mobile app. 

When you make a payment, your balance should update within 15 minutes in the mobile app and by midnight next working day for Digital Banking.

Find both on the "Account summary" page within the "Personal accounts" table alongside your credit card number.

If you'd like to increase or decrease your credit limit, you can manage it with Digital Banking. 

Find it on the "Cards" page within "Manage your credit card". Increases subject to status.

View your balance

App available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.

Review, save and print up to 7 years' worth of your credit card PDF statement transactions at your own convenience securely with Digital Banking.

It includes a summary of your credit card activity and the interest rates applied to different balance types. 

Find them from the "Statements" page within "Your personal credit cards".

View your statements

Stay in control of your finances when reviewing your statement.

Your statement explained

Digital Banking available to customers aged 11+ with a RBS account.

Find them from the "Statements" page within "Your personal credit cards".

Check your transactions

Stay in control of your finances when reviewing your transactions.

Your transactions explained

If you’ve tried to contact the company and still need our support you can raise a dispute with the company using our online form.

Dispute a credit card transaction