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HOW TO CONTACT ROYAL BANK OF SCOTLAND
NEED HELP WITH ONE OF OUR PRODUCTS?
Mortgages
Credit Cards
Loans & Overdrafts
Current & Savings Accounts
CONTACT US ONLINE
Cora is a digital chatbot trained to answer your banking questions. You can chat
to her online anytime and if she can’t help, she’ll pass you on to a real person
who can. On average she can answer questions within 5 minutes.
You can usually find Cora waiting to help at the bottom right hand side of the
screen, or in your mobile app by tapping on 'Help' followed by 'Chat to Cora'.
More about Cora Open in new window
Ask Cora
FIND ANSWERS IN OUR FAQS
Type your question here
MORTGAGES
USEFUL LINKS TO HELP WITH YOUR MORTGAGE
Manage your mortgage online
Find out how much you can borrow
Need to borrow more on your mortgage?
Information Message
FREQUENTLY ASKED QUESTIONS ABOUT MORTGAGES
How do I change the names on my mortgage?
How do I make a payment to my mortgage?
How do I add additional borrowing to my mortgage?
How do I book an appointment with a mortgage advisor?
How do I make an overpayment on my mortgage?
How much can I overpay on my mortgage?
Information Message
Search all FAQs Open in new window
MORTGAGE PHONE NUMBERS
HELP WITH A NEW MORTGAGE APPLICATION
New Mortgage applications UK: 0800 056 0567
New Mortgage applications Overseas: +44 121 629 0739
New Mortgage applications Relay UK: 18001 0800 056 0567
Available Mon - Fri 8am-6pm, Sat - Sun 9am - 4pm.
Opening times may vary on bank holidays. Calls may be recorded.
GENERAL MORTGAGE QUERIES
General Mortgage queries UK: 0800 056 3220
General Mortgage queries Relay UK: 18001 0800 056 3220
Available Mon - Thur 8am-6pm, Friday - 8am-6pm (except bank holidays) and
Saturday 9am-4pm
HELP WITH YOUR HOME INSURANCE
Royal Bank of Scotland Home Insurance: 0345 246 0452
Available Mon–Fri 8am-8pm, Sat 9am–5pm, bank holidays 9am-5pm (excluding
Christmas Day, Boxing Day, New Year’s Day and Easter Sunday).
You can also find more information regarding your existing policy on our Manage
your home insurance page.
CREDIT CARDS
USEFUL LINKS TO HELP WITH YOUR CREDIT CARD
Manage your credit card online
Credit card repayment calculator
Help with your credit card payment
Information Message
FREQUENTLY ASKED QUESTIONS ABOUT CREDIT CARDS
How do I close my credit card account or cancel my credit card?
How can I pay my credit card bill?
How do I dispute a credit card transaction?
How do I pay my credit card using Digital Banking?
How can I do a balance transfer to my credit card?
Information Message
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CREDIT CARD PHONE NUMBERS
General credit card queries
GENERAL CREDIT CARD QUERIES
General Credit Card enquires: 0370 907 0010
General Credit Card enquires UK Relay: 18001 0370 907 0010
General Credit Card enquires Overseas: +44 1268 508 018
Available 24 hours, 7 days a week
Opening times may vary on bank holidays. Calls may be recorded.
General Reward Black enquires
GENERAL REWARD BLACK ENQUIRES
Reward Black enquires: 0345 301 3950
Reward Black enquires UK Relay: 18001 0345 301 3950
Reward Black enquires Overseas: +44 1268 508 018
Available 24 hours, 7 days a week
Opening times may vary on bank holidays. Calls may be recorded.
LOANS & OVERDRAFTS
USEFUL LINKS TO HELP WITH YOUR LOAN OR OVERDRAFT
Manage your loan online
Additional borrowing on your loan
Help with paying your loan off early
Understanding your overdraft
Information Message
FREQUENTLY ASKED QUESTIONS ABOUT LOANS OR OVERDRAFTS
How do I close my loan account?
What happens once I have applied online for a personal loan?
Can I make an extra payment on my loan?
How do I change my loan payment date?
How can I increase or decrease my overdraft limit?
How much will an unarranged overdraft cost?
How do I apply for an overdraft?
Information Message
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LOAN OR OVERDRAFT PHONE NUMBERS
General loan or overdraft queries
GENERAL LOAN OR OVERDRAFT QUERIES
General Loan or Overdraft queries UK: 0345 724 24 24
General Loan or Overdraft queries Relay UK: 18001 0345 724 24 24
Help with a loan or overdraft application
HELP WITH A LOAN OR OVERDRAFT APPLICATION
Loan or Overdraft application UK: 0345 724 24 24
Loan or Overdraft application Relay UK: 18001 0345 724 24 24
CURRENT & SAVINGS ACCOUNTS
USEFUL LINKS TO HELP WITH YOUR CURRENT OR SAVINGS ACCOUNT
Manage your current account online
Make a change to your current account
Manage your savings account online
Make the most of your cash ISA
Information Message
FREQUENTLY ASKED QUESTIONS ABOUT CURRENT ACCOUNTS OR SAVINGS
How do I pay in a cheque or cash to my current account?
How do I add another person to my current account?
How do I remove a person from my joint current account or joint savings account?
Can I set up direct debits and standing orders from my savings account?
Information Message
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HELP WITH A CURRENT OR SAVINGS ACCOUNT APPLICATION
Help with a current or savings account application
HOW TO CONTACT US ABOUT AN APPLICATION
We offer 24/7 application support online via Cora, our digital assistant, and
our friendly webchat team. You can speak to Cora by using the 'Need Help?'
button, which you can find on the Cora page. Simply type the phrase 'help with
my application' to get the appropriate support.
You can also do this from the home screen of your mobile banking app. Tap 'Help'
at the bottom of the screen, then 'Chat to Cora' to start a chat
Cora page
NEED HELP WITH ONLINE OR MOBILE BANKING?
DIGITAL BANKING
Frequently asked questions about digital banking
What are the different balances in Digital Banking?
What is my Digital Banking customer number?
I've forgotten my Digital Banking login details, what should I do?
How do I register for Digital Banking if I don't have a debit card?
I haven't received my Digital Banking activation code, what can I do?
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MOBILE BANKING
Frequently asked questions about mobile banking
How do I update my email address or mobile number?
I am unable to log in to my mobile banking app, what do I do?
What is 'Spending' in the mobile app?
How do I let you know I am going abroad using the Royal Bank of Scotland mobile
app?
How do I make a claim on my mobile phone insurance?
Information Message
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DO YOU NEED URGENT HELP?
DID ROYAL BANK OF SCOTLAND CONTACT YOU?
If you’ve had a message from us, please call us back as soon as you can:
Call us back UK: 0800 023 4540
Call us back Overseas: +44 131 3397 609
If we don’t hear from you, we might contact you by post and ask you to get in
touch with us.
LOST, DAMAGED OR STOLEN CARD?
If your card has been lost, damaged or stolen, please let us know as soon as you
can.
You can now report cards lost or damaged and order a new one online.
If you think your card has been stolen, or if someone might have access to your
card’s PIN, please tell us straight away.
Lost or stolen debit or credit cards and cheque books
Lost or stolen cards and cheque books UK: 0370 600 0459 (24 hours)
Lost or stolen cards and cheque books Overseas: +44 1268 500 813
Lost or stolen cards and cheque books Relay UK: 18001 0370 600 0459
HOW TO REPORT FRAUD
Please get in touch straight away if you’ve noticed any suspicious transactions
on your account. Please remember that when you call, we’ll ask you some security
questions to confirm your identity.
Here are the numbers you need:
Current Accounts
Personal accounts
UK: 03457 24 24 24 (24 hours, 7 days a week)
Overseas: +44 131 549 8888
Business accounts
Business account fraud UK: 0345 600 2230 (24 hours, 7 days a week)
Business account fraudOverseas: +44 345 600 2230
Credit Cards
Personal credit cards (24 hours a day)
Credit Card account fraud UK: 0800 161 5153
Credit Card account fraud Overseas: +44 345 300 4350
Business credit cards (24 hours a day)
UK: 0800 161 5164
Overseas: +44 345 300 4351
Please visit our security centre to find out more about reporting fraud.
SENSITIVE OR EMERGENCY CONTACT
If you need to notify us of any changes in circumstances such as a bereavement,
or if you're struggling financially, please get in touch with us.
Our Bereavement guide can help you manage things as smoothly and easily as
possible at this difficult time.
If you’re in financial difficulty or need help with your finances please
visit Struggling Financially.
warning Message
The cost of your call will depend on what phone line you're using. See our call
charge information page.
Also, please note that calls may be recorded for training and monitoring
purposes.
Please have your customer number and PIN ready when you call so we can deal
with your call quickly. These are the same details you use to log in to Digital
Banking.
ADDITIONAL CONTACT NUMBERS
BUSINESS CUSTOMERS
Webchat is the quickest way to get in touch, just click the chat button at the
side of our business pages. Find more contact numbers on our business contact
us page.
For business banking support, or if you're struggling financially, you can call
us on:
0345 600 2230
+44 345 600 2230 from outside the UK
18001 0345 600 2230 for Relay UK
Our helpline is open 24/7 for general support; for lending and other specialist
queries, we can only assist from 9am to 5pm.
HELP WITH YOUR LIFE INSURANCE
Life Insurance: 0330 390 0512
Available Mon-Fri 8am-7pm, Sat 10am-3:30pm
You can find more information regarding your existing policy on our Manage your
life insurance page.
PREMIER CUSTOMERS
If you do have a Premier Banking Manager:
Premier banking manager UK: 0333 202 3332
Premier banking manager Overseas: +44 131 278 3507
Premier banking manager Relay UK: 18001 0333 202 3332
If you don’t have a Premier Banking Manager:
Premier banking UK: 0345 724 2424
Premier banking Overseas: +44 131 549 8888
Premier banking Relay UK: 18001 0345 724 2424
MEMBERSHIP SERVICES AND MYREWARDS
To manage your account benefits please visit Membership Services.
To track your rewards, please visit MyRewards.
Silver Account
Silver Account membership queries UK: 0345 607 5154
Silver Account membership queries Overseas: +44 2392 666 062
Silver Account membership queries Relay UK: 18001 0345 607 5154
Available Mon–Fri 8am–8pm (except bank holidays) and Sat 9am–5pm
Platinum Account
Platinum Account membership queries UK: 0345 609 0456
Platinum Account membership queries Overseas: +44 2392 668 827
Platinum Account membership queries Relay UK: 18001 0345 609 0456
Available Mon–Fri 8am–8pm (except bank holidays) and Sat 9am–5pm
Black Account
Black Account membership queries UK: 0345 266 8801
Black Account membership queries Overseas: +44 2392 668 814
Black Account membership queries Relay UK: 18001 0345 266 8801
Available Mon-Sun 8am-10pm
TELEPHONE BANKING AND GENERAL ENQUIRIES FOR PERSONAL ACCOUNTS
Why not contact us from your Mobile Banking app?
Talk to Cora from within the mobile app, and if you need more help, Cora will
pass you through to a colleague either in messaging or via the telephone. In the
majority of cases you will not need to go through any additional ID &
Verification.
Our App is available to personal and business banking customers aged 11+ using
compatible iOS and Android devices. You'll need a UK or international mobile
number in specific countries.
For general enquiries about your personal banking, please call our team:
General enquires: 0345 724 24 24
General enquires Overseas: +44 131 549 8888
General enquires Relay UK: 18001 0345 724 24 24
Please have your customer number and PIN ready when you call so we can deal with
your call quickly. These are the same details as you use to log in to Digital
Banking.
Forgotten your log-in details?
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PRODUCTS
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LIFE MOMENTS
* View all Life moments
* Managing your money
* Struggling financially
* Bereavement
* Financial Health Check
* First time buyer guide
* Travel Guide
* Financial abuse
HELP AND SUPPORT
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* Ways to bank
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* Learning with Royal Bank
* Privacy & Cookies
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Square, Edinburgh, EH2 2YB.
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