RBS Interest Paying Current Account

Transfers assistance is provided. Upon receipt of the customer's signiture, RBS will arrange the rest.
They will set up all Direct Debits and standing orders, arrange the transfer of any salary/pension payments and close the existing bank account after regular payments have been confirmed and set up.
They will also ensure the transfer is completed at no inconvenience to the customer.

With the unique Photocard option the customer can have their photo and signature laser-etched on to their Highline card to help reduce the risk of fraud.
Offsetting available.
Savings sweep service available.

With the unique Photocard option the customer can have their photo and signature laser-etched on to their Highline card to help reduce the risk of fraud.
Offset Service allows customers to use their balance to reduce interest payments on their mortgage.

Digital Banking provides internet banking with the convenience to:
- manage money online 24 hours a day, 365 days a year;
- check up to date balance on most accounts and Royal Bank credit cards;
- transfer money, pay bills, set up standing orders;
- transfer money instantly from Royal Bank savings accounts to Royal Bank current accounts;
- keep a record of finances - view and print statements up to 6 months old;
- transfer money to a friend's or family member's bank account, anywhere in the UK;
- save time paying essential bills without the need to call into the bank or post office;
- set up a standing order online to make regular transfers to whomever the customer wants;
- see the details of all the standing orders and Direct Debits on the account and even cancel them online;
- quickly and securely order new cheque books and pay-in books online;
- telephone and e-mail support available from 8am to midnight, 7 days a week.

Direct Banking allows the customer access to their Royal Bank account by telephone, 24 hours a day, 365 days a year. Most everyday transactions can be carried out over the phone and only people the customer authorises can access their accounts. The key benefits are:
- get up-to-the minute information of balances;
- pay routine bills like gas, electricity and regular suppliers;
- transfer funds between accounts and any other UK bank account;
- set-up, amend and cancel standing orders;
- review and cancel direct debits;
- stop a cheque;
- notify of any change of address;
- request a full or mini statement;
- order a cheque book or pay in book;
- report lost or stolen cards.

  Gross Rate   Gross Rate   AER
  Excluding Bonus Including Bonus
£1  0.10%   0.10%   0.10%

Unarranged borrowing charge - items referred prior to payment (Referral Fees) is £30 per item (max £90 per month).

A fee of £35 will be charged for misuse of cheque guarantee card/Maestro card. Payable where the Bank is forced to pay an item which has been supported by cheque guarantee or Maestro although there are insufficient funds in the account.

The charge for a Default Notice is £30 each.

Charge for Court orders/Legal processes served on the Bank, brought on by a third party against a customer - £25 minimum.