Royal Bank of Scotland 4+

Simple, safe and secure

NatWest Group plc

    • Free



Everyday banking from the comfort of your home. Our app makes your day-to-day banking easy, quick and secure.

It’s available to customers aged 11+ with compatible iOS devices and a UK or international mobile number in specific countries.

Please note that the app contains images when logging in, that may cause a reaction in individuals who are photosensitive. You can however switch these off for your device by visiting the ‘settings’ menu and the ‘accessibility’ menu where you will be able to find animation control settings (note this is not within our app but on your devices settings itself).

You’re in control of your money

From being able to quickly check your account balances and transactions, to moving money between accounts, sending money securely to others and paying someone new up to £1000 without a card reader or getting cash from an ATM without your debit card, our app gives you greater control of your finances.

You can manage your bills easily and check the details of Direct Debits and standing orders. If you need a hand with anything, our Secure Messaging tool lets you to contact us in-app for any extra help.

You’re protected by our secure banking promise

With our app you’re covered by our secure banking promise, which makes it one of the safest ways to bank. We monitor your account 24/7 for unusual activity and will refund any money paid out of your account as long as you keep your security information safe.

You can log in to the app safely with your fingerprint, face or secure passcode and there is always a confirmation check to make sure you’re paying the right person or business.

Find a new account to suit you

• Apply directly for a current account from the Royal Bank app (account eligibility criteria apply)
• Open and manage a savings account (account eligibility criteria apply)
• Apply for a lending product directly in the app (aged 18+ eligibility criteria apply)

Need help managing your money? Our smart tools are here to help

• Check your Credit Score
• Manage your spending and set budgets
• Lock and unlock your debit and credit cards
• Set travel plans
• Manage and store receipts
• Set savings goals directly in the app
• Add your loyalty cards directly to your app

Important information for you

• There is a maximum of 5 payments totalling £1000 per day. You must be aged 16 or over.
• Get Cash - Withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked).
• Fingerprint and facial recognition are available on selected devices.
• Credit score available once opted in through the app, to customers aged 18+, with a UK address and is provided by TransUnion.
• Spending - You must be aged 16+. Only available for Personal and Premier Current accounts.
• You can freeze and unfreeze MasterCard credit cards and debit cards.
• You can create one Travel Plan at a time, for a maximum period of 90 days, that include up to seven countries. Each country needs to be registered separately. The Travel Plan will apply to debit cards only, attached to accounts that are managed via mobile banking, and only in your name. Joint account holders should register separately.
• Managing your receipts is available to Business Banking and Premier customers only.
• Savings goal available on instant access savings accounts.
• My Loyalty Cards is available to customers aged 18+.

Please make sure you accept the following permissions before starting:

• Allow the app to communicate through your network
• To find your nearest cash machine or branch, you'll need to let the app find your location
• To 'Pay Your Contacts', the app will need access to your contacts list

By downloading this application, you are accepting the terms and conditions which can be viewed at We recommend that you save or print a copy of the terms and conditions and privacy policy for your records.

What’s New

Version 7.36.0

• You can find what you need and get help with banking by typing in the bar at the top of your app.
• Get notified when money lands in your personal account. Manage your notifications in My Profile.
• Your loan payment details are now available in app. Select your loan then tap ‘see payment options’.
• We’re improving Spending so you may see some changes to your settings. Review your settings in the 'Insights' tab.

Ratings and Reviews

4.8 out of 5
101K Ratings

101K Ratings

1234KatyKatKatie ,

Works brilliant

I love everything but there are a few things that could be improved upon.
I like being notified of transactions, I can add other bank accounts rather than logging in separately to see balances. I can add store cards and set up savings goals.

It really is a good app and a good bank. Been with RBS for a long time. Their customer service is very good (except the one guy who was extremely difficult, condescending and just down right rude, so much so, he made me swear at him and hang up…then I complained about him when I called back) never had any other problems with them and that’s since the late 1990’s. They are always helpful (apart from that one guy) and really try to sort out any problems you have.

Things that could be improved.

I’d like to be able to remove payees. You know, that old friend you don’t like anymore, just incase I send to them by accident because I ain’t going to get that cash back lol.

Secondly, when I want to see past transactions. I find the date range selector very confusing. It should let me pick a start date and an end date. It looks like it does this but it does not. It’s not as straight forward as it should be. I think the option to type a name or company would be good. That way I don’t have to sift through pages of transactions to find what I’m looking for.

Mawsky ,

Getting there but still catching up…

Overall the app is good. Certainly a big improvement on earlier interactions. Still some pretty serious niggles though.
1) Face ID for payments is appalling. Just look at the photo it recognises compared with all your poses. And what the heck is all the blinking about. I can pretty much unlock my phone with my face in the dark yet I can only send a payment if I blink like a fly is trapped behind my eyelid!! Please fix this!!
2) BACS and Salary payments. Why is it a challenger bank like Monzo can tell me when money paid in by BACS is going to clear. Not only that you get 3 days notice and you get it credited at 4pm the day before RBS would grant you access to the funds. I thought BACS payments were notified to the bank under ‘advice if fate’?
3) Likewise with direct debits. The same challenger banks notify you 3 days before the amount and the payment date when a direct debit has been called. So a) you can check the amount and b) you can ensure you have the funds to cover them or recall them if you do not this saving you a recall fee (challenger banks do not charge for failed direct debits too!!)
Implement these 3 changes to bring yourself in line with your competitors and you’ll easy get 5 stars from me.

Developer Response ,

Thank you for the review 😊. Apologies that you’ve had issues with this, we’d certainly like to get to the bottom of it for you. Feel free to message us through Facebook or Twitter with your full name, sort code and postcode and we can help resolve this!

DB Writer ,

Balances Incorrect 😔

I’ve been using this app ever since it came out and is very useful and over time improvements have made the app even better however the last update 6.6.0 is a big backward step as my balances are not correct ! I run two accounts one for bills and one for general spending, the accounts are linked so that if the general spending account balance drops below £50 it gets topped up from the other account, balances were displayed correctly prior to the update, now it’s just a mess. For example if I had £250 in my main account and say £75 in my other account it is displayed that way then I just need to apply pending transactions, now accounts show main account shows £250 and the other account shows £325, it’s added the balance from the main account to the other account making you think you have more money than you actually have 🤔. Fairly sure this is because the accounts are linked and the app does not how to handle them properly, phoned a lot of people in RBS and they can’t sort it. So Mr developers can you sort this please and make the app useful again and stop it displaying money I don’t have !!

App Privacy

The developer, NatWest Group plc, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Location
  • Contact Info
  • Contacts
  • User Content
  • Identifiers
  • Usage Data

Privacy practices may vary based on, for example, the features you use or your age. Learn More


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