Life Moments

Spending automatically places your current account transactions into categories, so you can get a detailed picture of where your money goes each month and makes staying in control of your money even easier.

You can also set and track monthly spending budgets for one or more categories to help you stay on top of your spending and you'll be able to see at a glance exactly how you're doing against the budgets you've set. Our app will even show you how much you'll save over the year if you stick to your budgets. 

Find out more about Spending by opening your app and selecting it from the bottom of your screen.

What you need to know:

Our App can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us.

Learn more about Spending

Touch ID, Face ID and Android Fingerprint are available on compatible mobile and tablet devices.

Enable on your device when you sign up to the mobile app or through the Settings menu in your Profile.

Touch ID and Face ID are available on selected Apple devices. Android Fingerprint is available on selected Android devices.

Create a personal greeting

• This will appear every time you log in, why not get creative with emojis!
• Create your greeting via the Settings option in your Profile.

Change account nicknames

• Select an account then tap the menu icon in the top right corner to change your account nickname.
• Nicknames are handy to see what each account is used for at a glance.

Change the order of your accounts

• Want to see your current account first when you log in? Press, hold and drag on any account from the home screen to change their position.

To pay someone new with the banking app:

1. Open your app and tap on the account you want to send the money from
2. Select Payments and then choose 'Pay someone new' at the top
3. Follow the step by step instructions to complete your payment

You can save the payee details for next time and download a PDF copy of the payment.

Please note that you must be aged 16 or over and there is a maximum of 5 payments totalling no more than £750 per day.

To pay a saved payee:

1. Open your app and tap the account you wish to pay
2. Select Payments from the menu and follow the step by step instructions

Limits do apply, so if you are paying a saved Digital Banking payee and don't change any details the daily maximum is £20,000. If you are paying someone you have only paid using the app or you change an existing payee's details, a maximum daily limit of £750 will apply.

Transfers

• Instantly move money between your own accounts anytime, anywhere.
• Choose to move the money now or schedule it for a date in the future.

Standing orders

• Check the details of any standing orders you have set up from your accounts.
• Set up standing orders between your own accounts or to pay any of your existing payees.
• Cancel or amend existing standing orders, but please allow 2 working days notice.

Direct Debits

• Check the details of your Direct Debits authorised from your accounts.
• Cancel any Direct Debits leaving your accounts - no need to visit or call us. 

When cancelling Direct Debits from within the mobile app you have up until 8.20pm (UK time) on the day the payment is due. At or after 8.20pm (UK time), the payment due on that day will have been taken and we will not be able to retrieve it.

The mobile banking app is the only way you can temporarily lock a debit or credit card.

To do this, simply open your app, tap on the account the card is linked to and select 'Manage my card'.

Did you know that you can still use Get Cash to withdraw money from an ATM, even if your debit card is locked? Now that's smarter banking.

Please note that:

• Credit card lock/unlock is available on MasterCard only.
• Withdraw up to £130 every 24 hours at any NatWest, Royal Bank of Scotland (in Scotland), Ulster Bank NI or Tesco ATM, as long as it’s within your daily withdrawal limit. You must have at least £10 available in your account and your card must be active (locked or unlocked).

Withdraw cash from an ATM even if you don't have your card using just your mobile app.

It's simple, smart banking and let's you continue with your day even if you have left your wallet at home.

To use Get Cash simply open your app and tap the Get Cash option along the bottom of your screen.

Please note:

Withdraw up to £130 every 24 hours at any NatWest, Royal Bank of Scotland (in Scotland), Ulster Bank NI or Tesco ATM, as long as it’s within your daily withdrawal limit. You must have at least £10 available in your account and your card must be active (locked or unlocked).

You can add selected accounts held at other UK banks into your Royal Bank of Scotland app, as long as your other bank is one of the participating banks and you are registered for their online banking. Once added, you can see the balances and transactions of those selected accounts.

To add your accounts held elsewhere and check if they can be added, open your mobile app and scroll to the bottom of your accounts.

Tap on "Add an account from another bank" or use your Profile section to get started.