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Ways to pay
Make the most of your card
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.
Effortlessly make and receive payments
There’s more than one way to pay with your card. Why not try contactless payment for transactions up to £100? Or leave the wallet at home and use digital wallet on your phone and wearable devices. Whether you’re paying online or in-store you can make safe, quick and convenient payments without needing to carry cash. We've now introduced new ways you can get paid back within the Royal Bank app, through Request money and Split the bill.
Pay online
Safe, quick and protected payments
- Your card is one of the safest ways to pay and gives you greater protection when you’re shopping online.
- You can keep track of what you buy with your app. It even gives you spending insights to help you budget better.
- If there's a problem with something you bought with your card recently, we may be able to help. Find out more by visiting our card payment support centre.
- Many internet browsers can autofill your payment details – so you only need to remember your 3-digit CVC code on the back of your card. Find out more by visiting Safari , Google Chrome or Microsoft Edge autofill guides.
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Pay in-store
Safe, quick, convenient
- Use contactless for an easy and safe way to pay for all those everyday items up to £100. Request a contactless Debit Card if you have a Foundation or Revolve account.
- If you use Apple Pay or Google Pay, you can make contactless payments even when it’s over the contactless limit (retailer limits may apply).
- Don’t forget you can also make payments using chip and PIN. Remember to always cover your PIN.
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Request Money
Get paid easily
- You can share a secure payment link via your device sharing options or show your QR code to get paid by someone nearby.
- Split the bill allows you to share payment request links with multiple people at once directly from your transactions. Great for sharing the cost of a meal with friends.
Eligibility and criteria limits apply.
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Click to Pay available on selected retailers.
Click to Pay
Click to Pay is a new convenient and secure way to pay online using your debit or credit card without the need for filling in the details every time.
Look for the Click to Pay Icon and button at online checkout.
Enjoy one click password-free checkout securely.
Be fraud aware
We’re always on the lookout for transactions that seem a bit strange. So we might occasionally ask you to approve your online card payment in your Royal Bank banking app or by entering a one-time passcode (OTP) before the money leaves your account.
Treat these codes like your card PIN and never share them with anyone - even the bank, police, or any other trusted organisation.
Never approve a card payment in your mobile app that you haven't made yourself or that someone else has asked you to approve - this is a scam.
Find out more about how we protect you with Multi-Factor Authentication.
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Shop safely online
We all love a bargain but be vigilant when buying online. Don't give anyone your personal information such as login details and passcodes. Only use shops that you trust and always take extra care if you’re buying from social media or online marketplaces.
Find out more about things to look out for when shopping online and how to protect yourself from fraud and scams.
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Use strong passwords
When spending online use strong passwords and try to mix them up between accounts.
To help you keep track, many internet browsers now offer to generate and securely store your passwords to help keep your details safe.
Find out more about generating and managing passwords in Google Chrome, Safari on Mac or iPhone, or Microsoft Edge.
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Securely store your details
Many internet browsers can autofill your payment details – so you only need to remember your 3-digit CVC code on the back of your card. Find out more by visiting Safari , Google Chrome or Microsoft Edge autofill guides.
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Turn on debit card notifications and set payment controls
Switch on spending notifications in the app and get instant payment alerts.
Use your app to set payment controls for your card. Turn off and on the types of payments your card can be used for.
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Be a ScamSmart investor
Before you make an investment payment, check the FCA ScamSmart website for advice on how to protect yourself from investment and pension scams. Make sure you know who you are dealing with and check to see if a firm is FCA-authorised. Always remember, if a deal sounds too good to be true, it probably is and you may lose your money.
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Other ways to pay
Did you know you can make payments using our Mobile app or Digital Banking?
It’s a safe and easy way to make payments within minutes.
We don’t charge a fee to send standard international payments using digital banking or the mobile app.
Please be aware, the recipient bank may charge fees for international payments.
More about international payments
Helping you stay safe
Always be cautious of out of the blue requests to send money via bank transfer. Stop and think, could it be a scam? Visit our security centre pages to find out more.
Using your card abroad
Buy a drink on the beach or a meal in a local café with no need to carry cash. Where accepted, your card or mobile device could make all these payments safely so you can enjoy your trip to the fullest.