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Banking with Royal Bank of Scotland

Making a payment

Payment limits

For more information about different payment types and payment limits please see our common questions below.

Paying someone new

It’s easy to pay someone new using just their name, account number and sort code.

By mobile - what you'll need

Up to date app

The latest version of the Royal Bank app already installed on your device.

Their account details

The account type (Personal or Business), account number and sort code. 

Their name

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.

Your step-by-step guide:

Step 1

Open the Royal Bank app and select the ‘Payments’ icon at the bottom of the screen. Make sure you have selected the account you wish to make the payment from. 

Step 2

Select ‘Send money’, ‘Make a payment’, then ‘Pay someone new’. Enter the payee’s first and last name, select the account type (Personal or Business), then the account number, sort code and reference details.

Step 3

Select ‘Verify payee’ to confirm payee details. Where a Confirmation of Payee (CoP) check is performed you will receive a response to let you know if the name you have 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.

Step 4

Choose the amount you wish to send, add a reference for the payment, a payee nickname (optional), then choose the date you want to send the money on: now or in the future.

Step 5

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’.

Step 6

Check and confirm the payment details are correct and tap 'Make payment'. That's it, payment made! You can also add this payee to your favourites to make quicker and easier payments to them in the future.

Online - what you'll need

Digital Banking

To be registered for Digital Banking.

Safe and secure

Your debit card and card reader or your mobile app if you have registered for biometric approval.

Their details

The payee details - this includes the first and last name of the person you are looking to pay, as well as the account type, account number and sort code.

Your step-by-step guide:

Step 1

Login to Digital Banking. Select 'Payments & transfers' from the main menu, choose which account you want to make the payment from, and click on 'Pay someone new'.

Step 2

Type in the first and last name of the payee or the full company trading name (up to 140 characters, acceptable special characters are '/', '&' and '-'). Type in the payee's sort code and account number. Select the account type (Personal or Business).

Step 3

Click next, where a Confirmation of Payee (CoP) check is performed you will receive a response to let you know if the name you have 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. 

Step 4

Review and edit the payee name – the payee name will be prepopulated from the full name you provided but you have the option to edit it. The payee name will appear on your statement and the payee list. Type in a reference - this should be something to help identify you to the payee (Up to 18 characters. Acceptable special characters are '/', '&' and '-'). 

Step 5

Click next, enter the amount you wish to pay, then select ‘Pay now’ or ‘Choose a date’ if you want to schedule this payment to leave on a future date. Click next again.

Step 6

Before completing your payment you can review the details entered. If correct you will now need your debit card and card reader or your mobile app if you have registered for biometric approval - follow the on screen instructions. Once completed you will see the payment confirmation and the option to print your transaction.

Paying a saved payee

If you have made a payment before via Digital Banking or the mobile banking app, the payee details are automatically saved. The best part is, if you're using the same payment details, you don’t need a card reader or biometric approval to complete the transaction.

By mobile - your step-by-step guide:

Step 1

Open the Royal Bank app and select the ‘Payments’ icon at the bottom of the screen. Make sure you have selected the account you wish to make the payment from. 

Step 2

Select ‘Send money’, ‘Make a payment’, then choose who you want to pay from your payee list.

Have your payee saved as a favourite? Just tap the favourite payee and 'Send money' for a quicker way to pay.

Step 3

Choose the amount you wish to send, add a reference for the payment, a payee nickname (optional), then choose the date you want to send the money on: now or in the future. Select ‘Continue’ to review payment details.

Step 4

Check your payment details then select ‘Make payment’. That's it, payment made!

Online - your step-by-step guide:

Step 1

Log in to Digital Banking. Select 'Payments & transfers' from the main menu, choose which account you want to make the payment from, and from your list of saved payees select the person or company you want to pay.

Step 2

Enter the amount you wish to pay, then select 'Pay now' or 'Choose a date' if you want to schedule this payment to leave on a future date. Click next.

Step 3

Before completing your payment you can review the details entered. Once you have clicked on 'Confirm' you will be shown a summary of your newly arranged payment and you'll also have the option to print your transaction.

Common questions

Find out more about payments

Biometric approval in app

Use biometric approval to confirm it's really you

You are your strongest password so why not use your face (or voice which is coming soon) to approve your everyday banking needs and keep your accounts even more secure.

Biometric approval is available to eligible mobile app customers aged 16+.

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Send money abroad

Want to send money abroad?

You can make international payments quickly and safely using our mobile banking app or Digital Banking.

  • We don’t charge a fee to send standard international payments using digital banking or the mobile app.
  • Live rates, so that you know exactly how much you will pay when making a transaction.

Please be aware, the recipient bank may charge fees for international payments.

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Transfer money between your accounts

It's quick and easy using our app or Digital Banking.

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Something else we can help you with?