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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.
Fees by credit card
In the drop down box below, select your credit card to display a summary of the corresponding fees and charges*.
Non Sterling Transaction
2.75%
Money Advance
3%
Annual Fee
£24
The annual fee is refunded if you have a Reward current account.
Non Sterling Transaction
0 %
Money Advance
3%
Annual Fee
£84
The annual fee is refunded if you have a Reward Black current account.
*This table does not take into account any promotional deals in place at the time of account opening.
Late or missed payments
It's important to make your payments on time otherwise you could be charged more in interest and it could impact your credit file.
Avoid late payments by setting up a Direct Debit
One simple way of avoiding missing or being late with payments is by setting up a Direct Debit. This would mean the payment would be taken automatically on a monthly basis. You can set the Direct Debit to pay the minimum amount, the full balance or a set amount.
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Going over your credit limit
It's important to stay within your credit limit otherwise you could be charged more in interest and it could impact your credit file.
To help you stay within your limit, we will send you a text when you are using 95% of the credit limit. Please ensure your mobile number is up to date so you receive these alerts.
Another simple way to help manage your credit card is by having our Mobile app which means you can log on anyway, anytime and see what your balance is.
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Returned payments
A returned payment is when the payment from your Direct Debit or cheque is rejected. This will have been due to insufficient funds in the account that the payment is being made from.
You might want to consider changing the date of your statement which will change your payment date, so that it is at a more convenient time.
If you would like to discuss this option please contact us.
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What’s my minimum payment?
The minimum amount you need to pay each month is shown on your statement. We encourage you to pay more than this, to clear your balance more quickly and pay less interest.
Go to our repayment calculator to work out how long it could take to pay off your credit card balance.
Struggling to pay?
It’s really important you get in touch, the sooner you call us the quicker we can help. When you do, you'll be speaking to dedicated colleagues who are here to support you and discuss your current situation.