What is the best customer service number for RBS?

*This website advises that calls to 084 numbers cost 7p/min plus your phone provider’s access charge.

Customer service is important to us at RBS. That is why we have set up a unique support system to handle all of your needs and solve any problem. Whenever you call RBS customer service you can be assured we will treat your call as both urgent and important.

Getting help is simple — just give a call to our customer service line and provide us with your customer number and telephone banking PIN. This will allow us to identify you and access your account information quickly. And remember that you can call anytime because our contact number is in operation around the clock!

With RBS telephone banking you can accomplish most any function, including the transferring of funds and checking your balance.

When should you contact RBS Customer Services? Call for any of the following reasons:

• To report a fraud
• To inquire about overdrafts
• To transfer money
• To make general inquiries about your account
• Whenever your card isn’t working properly
• If you can’t remember your PIN number
• To report a lost or stolen card.

A Little Bit More About RBS

RBS stands for The Royal Bank of Scotland. We operate over 700 branches throughout Scotland as well as the rest of the UK.

Perhaps you have heard that RBS was previously fined for anti-competitive practices. Well, the good news is that everything has been resolved and we are now back and stronger than ever!

We continue to operate internationally, offering an extensive variety of banking services to a wide assortment of clients including corporate, retail and financial organizations.

RBS also provides an outstanding investment banking division, called “Markets & International Banking.” This special division provides international & corporate customers with a an extensive list of unique services — providing them with global financing, including risk management forecasts and objectives.

At RBS we want you back! And to gain back our many previous customers, as well as attract new ones, we are placing our focus on providing you with excellent customer service.

Another outstanding feature of RBS is our dedicated fraud helpline. If you discover there has been a transaction made on your account that you did not authorize, the fraud helpline is there to give you immediate support. They are just a phone call away!

Here are a few helpful for calling our customer service line:

• Try to call during non-peak hours. Like everyone else, we receive more calls during certain times of the day.

• Have your account number handy, along with any other personal information you provided us. This will help us verify your identity quickly. Your security is important to us!

Common RBS Customer Service Questions

How can I sign up for online banking?

If you are already an RBS customer, go to the RBS website and click the ‘Log In’ link. On the next page, follow the instructions to register for an account. You may need the details of your debit card to hand to register. Most customers find this to be a great alternative to RBS phone banking.

How can I report a lost or stolen debit card?

The easiest way to report a lost or stolen debit card is via your online banking account. Once you have logged in on the RBS website, click the ‘Cards’ link on your menu and then click the ‘Manage Your Debit Card’ link.

You should then be given the option to report your card as lost or stolen as well as to order a replacement card. There should also be the option to report a card as damaged and order a replacement. Choose the relevant link and follow the onscreen instructions.

If your card has been stolen and you suspect the thief may know your PIN number, call the RBS contact number above as soon as possible. After you have reported your card as stolen and your PIN as potentially being used, RBS should cancel your card and organise a new card and PIN number to be sent to you.

How long does it take to transfer money?

If you are transferring £0.01 – £99,999.99 between your own RBS accounts, the transfer should be effective immediately. If you are transferring money to a business account, your account with another bank or another person, the money should come out of your account immediately and appear in the recipient account within a few hours.

On bank holidays, weekends and after office hours, transfers may take slightly longer. It may also take more time to transfer money to a credit card account.

What is a ‘CHAPS payment’ and how can I make one?

A ‘CHAPS payment’ is a large payment or transfer that will be sent and received on the same day. This method of payment is usually made if a customer needs to transfer over £20,000 on the same day. The payment can usually be made in your local RBS for a fee. Customers making a CHAPS payment will need to have their debit card and valid ID to hand.

Keep in mind, for the transfer to be made on the same day, customers will need to make their CHAPS payment before RBS’s afternoon deadline.

Please note: Private Banking customers may be able to make CHAPS payments over the phone or via online banking.

How can I make a transfer without a card reader?

If you would like to pay someone that you have paid before via online banking, you should not need a card reader to make the payment. However, if you would like to pay a new payee or amend a payee’s details, you may need a card reader to do this.

Alternatively, if you have the RBS mobile banking app, you may be able to make relatively small transfers by using the ‘Pay My Contacts’ feature and entering the recipient’s phone number.
If you need to pay a new payee and cannot use the mobile banking app, you can make transfers by visiting an RBS branch. Remember, you may need to have your debit card and valid ID to be able to make a transfer.

Please note: If you have lost your card reader, you can order a new one via the ‘Security’ tab of your online banking account.

Where can I find my sort code and account number?

Your sort code and account number can be found on a number of RBS items, including your debit card, online banking account, cheque book, bank statement and credit book. Your account number is usually the eight-digit number and your sort code is usually the six-digit code with two dashes. If you are still experiencing trouble call the RBS phone number and speak with a customer service specialist.

What is my overdraft limit?

Overdraft limits vary depending on what kind of account you have. You should be able to view your overdraft limit by logging in to your online banking account and clicking on the relevant account. On the next page, you should be able to see your online statement as well as your overdraft limit at the top of the statement.

In some cases, it may say ‘0’ next to the word ‘Overdraft’ – this means you do not have an overdraft limit. If you would like to apply for an overdraft, you may be able to do so online, via the RBS number or at an RBS branch.

What does ‘available’ and ‘balance’ mean on my account?

When you log on to you online banking account, you may see two different figures; ‘balance’ and ‘available’. The ‘balance’ figure represents how much money is in your account at the beginning of the day.

The ‘available’ figure represents how much money is in your account including pending payments for that days. The ‘available’ figure may also include your overdraft balance but it likely wont include recent contactless payments. In general, your ‘balance’ is what is in your bank account at that moment but the ‘available’ figure is what is available for you to spend. Call the RBS helpline if you require additional assistance.

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