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Manage your credit card
Everyday management
Pay my card
For a fast, simple and secure way to pay your Royal Bank credit card from another UK bank, on our app you can choose to Pay my Card which is powered by Payit. Payit™ is Royal Bank's new payment solution that allows a fast, simple and safe way to pay. It removes the need for you to enter card or account details, passwords or authorisation codes when you are paying online. Instead, you can make secure, instant payments directly from your bank account or mobile banking.
How does it protect you?
When buying something with your credit card, Section 75 of the Consumer Credit Act might protect you. If something goes wrong with the purchase, we as your credit card provider might be able to help you out. You can make a claim under Section 75 if:
- The price of the goods or services is between £100 and £30,000.
- You used a credit card for any part of the purchase, even just the deposit.
- There was a breach of contract or misrepresentation (e.g., the goods were faulty, not as described, or not received)
- The retailer goes into administration before you receive your goods.
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Credit card repayment calculator
Find out how much faster you could clear your existing credit card balance by fixing your payments, instead of paying the minimum amount.
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Fancy a change?
If you're looking for a credit card that matches your lifestyle and spending habits, you might want to consider choosing from our full range of credit cards.
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You can see our range of credit cards by following the 'compare our credit cards' link below.
Could a second credit card help you manage your spending?
It's important to remember that a second credit card will mean you could have two balances to pay off every month, including accrued interest. There may also be two annual fees to pay, if you choose a card with an annual fee
Eligibility applies. You cannot open a second credit card of the same type as your current card.
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Reasons to download our app
- If you have misplaced your card, you can lock and unlock it on the app.
- Set up a Direct Debit, pay your credit card or view your last 2 years statements.
- Request a PIN reminder or unblock your PIN.
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Manage your credit card simply and safely with Digital Banking
- Set up and manage instalment plans and regular payments.
- View your balance and transactions.
- Register your travel plans.
- Adjust your credit limit.
- Request a balance transfer.
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