Business banking

Manage your account
Whatever you need,
we're here to help

Manage your account

Bank accounts

Manage your signatories

When business circumstances change, your bank mandate may need to change too.

Add or remove signatories

You can manage the signatories on your account by completing the business account signatory mandate form. 

You can find out more on the Manage your signatories page.

Business account charges

Minimise your business account charges with our helpful tips.

Review and minimise business charges

Whether you're paying money in or taking money out, making or receiving payents, we have everything you need to know about business account charges, including top tips on how to minimise those charges.

Find out more on the Business account charges page.

Manage your overdraft

You can apply to increase, decrease or remove your arranged overdraft online.

Change or remove your arranged overdraft

You can increase, decrease or remove your arranged overdraft free of charge using Digital Banking, or by getting in touch with your Relationship Manager. You can also use our business overdraft calculator to discover the rates you're likely to pay and check your eligibility.

Find out what you'll pay using our overdraft calculator.

Business cards

Manage your credit limit

Change your credit limit online or via the mobile app.

Changing your credit card limit

You can change your credit limit by logging in to Digital Banking or Credit Card Services, through the mobile app on your smartphone, or by giving our card services team a call.

To find out more about, please visit the How do I change my credit card limit page.

Add or remove cardholders

Get a new card within 7 working days.

Additional cardholders

To add a new cardholder, print, sign and return the completed form to our Cards Customer Services team. 

Download the Additional Cardholder Form

Making & accepting payments

Payment solutions for you and your business.

Managing payments

Whether you're making or accepting a payment electronically, by credit card, cash, or cheque, find out how to do it quickly and securely. 

Find out more on the Managing Payments page.

Order a replacement card

Has your card been lost, stolen or damaged? Don't worry, we've all been there.

Ordering a new card

If your credit card has been lost, stolen or damaged, you can let us know by completing the correct form via Digital Banking or in the mobile app. 

For lost, stolen or damaged debit cards, please fill in the correct form on the Business Debit card page.

If you need access to cash in a hurry, you can give us a call 24 hours a day. We'll provide you with a code that lets you withdraw up to £300 of your money from any Royal Bank of Scotland, NatWest or Ulster Bank cash machine.


Manage your cards online


We've recently launched ClearSpend, a free mobile app and desktop service that gives you control of your commercial card account in real-time and lets employees check their balance on the go.

Find out how it could help you control spending and monitor balance and transaction information on the ClearSpend page.

Savings accounts

Certificate of interest

Request your annual summary of interest.

How much interest have I earned?

You can view and download your Certificate of Interest in Digital Banking. You can also give us a call and we'll post a copy out to you.

Log in to Digital Banking and select 'Statements' from the main menu. 

Order a paying-in book

Order a paying-in book online or over the phone.

Order a paying-in book

If you've ordered a paying-in book before, you can order a new one via Digital Banking. If this is the first time you've ordered a paying-in book, you will need to contact us on 0345 600 2230 (24 hours). 

Order a savings card

Order a new card online or via the mobile app.

Order a replacement savings card

Log-in to Digital Banking and select 'Cards' from the main menu to report your card lost or damaged. We'll cancel your old card and get a new one sent out.

Alternatively, you can do all of this in the mobile app. 

If you think someone has stolen your card or may have access to your PIN, please call us on 0345 600 2230 (24 hours).


Looking to pay off your loan early?

Get a final settlement figure

Talk to the team about your final payment

If you're in a position to pay off your loan early, get in touch for a final settlement figure. 

You can reach us 24 hours a day on 0345 600 2230.

Making over-payments

Make over-payments or one-off payments at any time.

Making over-payments and extra payments

If you're looking to pay off the balance of your loan early, you can get in touch with our team to arrange to make a one-off over-payment, or to set up regular additional payments.

You can reach us 24 hours a day on 0345 600 2230.

Change your repayments date

When circumstances change, we're here to help.

Change your repayments date

We get that financial circumstances change from time to time. If you need to make a change to your repayments date, get in touch with our team to find out how we can help.

Call us today on 0345 600 2230.

Misplaced your agreement?

Order a copy of your loan agreement

Request a copy of your loan agreement

If you want to review the terms and interest rate associated with your loan, get in touch and ask for a copy of your loan agreement.

You can reach us 24 hours a day on 0345 600 2230. 

Do you have a Business Plus credit card?

Find out more about managing your card online, including useful information on how to change your credit limit, make payments, register your travel plans and making your money work harder for you.

Making changes to your account

Update your details

You can update your contact details using Digital Banking. For changes to a business name or address, call us or visit your nearest branch.

Going on holiday

Off somewhere nice? Let us know and we'll make sure your spending isn't affected. You can register your travel plans online and via the mobile app.

Close your account

You can close a business account by calling Business Telephone Banking, or by completing and returning a Business Account Closure form.

Frequently asked questions

You can carry out a range of actions within our award-winning mobile app, and we're adding more functionality all the time. To find out more and to see a demo, visit the mobile banking page.

We take online security very seriously. That's why we have an entire section of the website dedicated to keeping you and your business safe online.

Visit the Fraud & Security Advice Centre for more information.

You can sign up to Digital Banking using our mobile app. You'll need your account number, sort code and debit card. 

Alternatively, you can sign up online using your debit card details.

When you sign up for an account with Royal Bank of Scotland, you become eligible for a fantastic range of additional services and products created to help you start, run and grow your business.

Find out more on our Services page.

Anything else we can help with?

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