RBS Telephone Banking

RBS Telephone Banking Sign
RBS Telephone Banking

0843 557 3401

RBS (Royal Bank of Scotland) is a bank based in the UK. If you need to contact the RBS telephone banking number call 0843 557 3401.

RBS Telephone Banking Contact Numbers

Department Contact Number
Balances 0843 557 3401
Transfers 0843 557 3401
Payments 0843 557 3401

RBS Telephone Banking Opening Hours

Day Opening Times
Monday 24 Hours
Tuesday 24 Hours
Wednesday 24 Hours
Thursday 24 Hours
Friday 24 Hours
Saturday 24 Hours
Sunday 24 Hours

RBS Branch Opening Hours

Day Opening Times
Monday 9.15 – 16.45
Tuesday 9.15 – 16.45
Wednesday 9.15 – 16.45
Thursday 9.15 – 16.45
Friday 9.15 – 16.45
Saturday CLOSED
Sunday CLOSED

Head Office Address

36 St Andrew Square
Edinburgh
EH2 2YB

Why would I use RBS Telephone Banking?

  • To check your account balance.
  • To make a payment or move money between accounts.
  • To apply for an overdraft, a loan or a credit card.
  • To report a card as lost or stolen.
  • To switch your account to RBS.
  • To report an issue with logging into online banking.
  • To make a complaint.
  • To report identity fraud.
  • To get a PIN for emergency cash withdrawals.
  • To find the location of your nearest branch.
  • To find out more about business, corporate or international banking.

RBS Current Accounts

For everyday banking, RBS has a range of current accounts. They are as follows:

  • Select Account- no monthly fee.
  • Select Silver Account- £10 monthly fee, European travel insurance, phone insurance, tastecard membership.
  • Select Platinum Account- £16 per month, worldwide travel insurance, phone insurance, breakdown cover, National Trust days out membership.
  • Black Account- £26 per month (financial criteria applies), worldwide airport lounge access, home emergency service, 24/7 concierge service.
  • Student Account- comes with a National Express coach card for 1/3 off fares.
  • Graduate Account- Interest free overdraft to help support you after university.
  • Revolve Account- designed specifically for 11-18 year olds.

It’s easy to switch to an RBS current account, with the switch guarantee which means that the bank takes care of transferring payments and closing your old account. The whole process takes approximately seven days.

RBS Credit Card

RBS has a range of credit cards, which can be used for different purposes. They are as follows:

  • Reward credit card- Earn rewards for your everyday spending habits.
  • Clear rate platinum card- Low rate on your purchases and balance transfers.
  • Reward black card- For customers who want travel benefits.
  • Student credit card- Designed specifically for students.

If you want a credit card but aren’t sure that you will be approved, you can use an online approval indicator on the RBS website- it won’t impact your credit score. You can also use a repayment calculator to see how fast you can clear your balance.

RBS Savings Account

Get into the habit of saving with one of the savings accounts from RBS. Here are some of the options available to RBS customers:

  • Instant Saver- Instant access to your savings.
  • Cash ISA- Allows you to save up to £15,000 per tax year, tax free.
  • Fixed term savings account- Fixed rate of interest over the course of one or two years.
  • Children’s savings- To help you save for your child’s future.

RBS Loans

Whether you need a loan for a car, a home redecorating project or to start up a business, RBS could help. Here are the current loan products on offer:

  • Car loans- between £1,000-£25,000 with fixed monthly repayments.
  • Debt consolidation loans- helps you pay off existing debts.
  • Home improvement loan- cost effective solution to upgrading your home.
  • Holiday loans- for a honeymoon or round the world trip.

RBS Mortgages

Whether you are looking to move into your first home, remortgage for a better deal or buy a property to let out to tenants, RBS has a mortgage for you. You can see how much you could lend, with an agreement in principle. For high earners with a minimum sole income of £100,000, you could be able to get an interest only mortgage.

Note that your home could be repossessed if you don’t keep up the repayments on your mortgage.

RBS Insurance

Choose from several insurance products, such as:

  • Home insurance- buildings and contents cover or cover for students and tenants.
  • Life insurance- cover for your loved ones if the worst happens.
  • Car insurance- protect your vehicle.

Travel

RBS can help your holiday go smoothly, with a range of travel products such as: ordering your travel money, informing the bank that you will be abroad or calculating your holiday spend.

Royal Bank of Scotland Online Banking

RBS Online Banking
RBS Online Banking

Online banking is definitely the most popular form of banking today due to how easily and conveniently transactions can be made. The Bank of Scotland online banking allows you to bank 24 hours a day 7 days a week. There is also the option to have your statements delivered online instead of on paper by letter. To use internet banking, you must first register. Once you have registered you will be ready to use internet banking within a few minutes and log in via their website. Once logged in with your unique username and password, you will be able to manage transactions, set up direct debits and standing orders, pay family and friends as well as paying bills. Registering for online banking requires you to provide your sort code and your account number which can be found on your debit/credit card. You will be contacted on the email address you provide if there are any queries that come up on your account.

RBS Digital Banking

RBS Digital Banking is a new way to manage your account, 24 hours a day. Use your internet browser, mobile phone or tablet to do the following:

  • Check your balance and view recent transactions.
  • Use a card reader to pay bills or people easily.
  • Check your statement and save it as a PDF.
  • Earn 3% in rewards for bills paid by Direct Debit.
  • Get up to £300 emergency cash if you lose your bank card.

RBS Business Banking

Whether you are a start up, turnover up to/over £2m annually or work internationally, RBS can help you manage your finances. Choose from:

  • Business bank accounts.
  • Business credit cards.
  • Instant access savings accounts.
  • Business loans and funding.
  • Financial advice per sector.
  • Commercial mortgages and loans.
  • Client deposit accounts.
  • Investments.
  • Foreign exchange.
  • International cash management.
  • Importing/exporting solutions.
  • UK Government schemes.

You’ll also be able to get advice on managing different types of payment risks and on regulatory requirements.

About RBS Bank

RBS origins can be traced to the Society of the Subscribed Equivalent Debt in 1707. In 1727, the Society, having undergone several name changes, became known as the Royal Bank of Scotland. In 1728, the bank invented the overdraft, allowing a merchant to access £1000 in credit- this was considered to be an innovation in modern banking.

Over the next few years, there was fierce competition between the Royal Bank of Scotland and the Bank of Scotland. The Royal Bank had a policy to try and drive the Bank of Scotland out of business. In 1783, the bank decided to open its first branch outside of Edinburgh, with one in Glasgow followed by Dundee, Rothesay, Greenock and Leith soon afterwards.

By 1910, following a series of mergers with other Scottish banks, the Royal Bank of Scotland had 158 branches and around 900 staff.

In recent history, in 2011, the bank was fined almost £30 million for its anti-competitive loan products. Then, just a year later, computer problems prevented customers from accessing their accounts.

Today, the Royal Bank of Scotland is still headquartered in Edinburgh. Ross McEwan is the CEO and the company has over 92,000 employees. It is a wholly owned subsidiary of the Royal Bank of Scotland Group.

Getting a mortgage with the Royal Bank of Scotland

Mortgages offered to customers by the Bank of Scotland are provided by Halifax. Contact the bank of Scotland if you want to speak with a mortgage adviser where they can help you with all different kinds of queries, whether it be that you are buying your first home, want to move mortgages or are moving from you current home. The Bank of Scotland provide a mortgage calculator on their website where you can get an idea of how much you would be paying a month for the type of home you want to move into, as well as figuring out how much you could borrow.

When working out how much you could lend on a mortgage, the bank will ask you basic questions such as your regular income and your regular outgoings, such as your day to day living expenses. Bank of Scotland has a fairly flexible mortgage lending policy, but properties under £40, 000 are not considered as secure enough for a mortgage.

RBS Mortgages
RBS Mortgages

it is possible that you will be charged a mortgage account fee when setting up or coming out of your mortgage, which is interest-free. Any charges that are going to be in place will be made aware to you in advance so you can agree to them before you have to pay them.

Getting a Royal Bank of Scotland Credit Card

A credit card can be needed for a number of reasons, whether it be to help you out financially in general, to cover a big one off payment and therefore there are different types available which, again, you can compare on the Bank of Scotland website. Please note that you must be over 18 to have a credit card. You can opt to choose between a long balance transfer offer where 0% interest will be charged for the first 39 months, or a low fee balance transfer offer and there is even one available to students which has a credit limit of up to £1000 and weekly balance updates can be provided via text to avoid over spending.

If you already have a Bank of Scotland credit card but want to switch to a different one, you can do so as long as it is paid off. You can also apply to see if you are eligible for a second card. You cannot swap your credit card within the first 60 days of owning one. If you have a classic credit card or a student credit card, you are eligible to swap it for one of the other ones available. Please note that you cannot swap your existing card to a student one if you didn’t have one in the first place. Applying for a credit card cannot be done online, you will need to either contact the Bank of Scotland via the contact number or go into your local branch to discuss your options.

Same as your regular bank debit card, your Bank of Scotland credit card can be managed online via online banking. Things such as transferring a balance to the bank can be done online but if you want to alter your credit limit or change the details of the cardholder then you must contact by phone. You can also pay off your credit card online.

My bank of Scotland Account

You can open a current account with bank of Scotland online, and there are a range to choose from. You can have a regular everyday account, which is hassle free, but Bank of Scotland also offer reward accounts that will reward you £3 monthly, £12 monthly, £18 and £28. These differ depending on your circumstances and are known to ‘reflect your lifestyle’. Contact the Bank of Scotland if you would like to know more information about these.

For more information about RBS, call RBS telephone banking.

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