RBS Business Banking | RBS Post Office banking services

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Overview

As a Royal Bank of Scotland customer, you can:

  • Pay in cash with a pre-printed paying in slip or chip and PIN debit card
  • Deposit cheques with a printed paying-in slip
  • Exchange cash for coin using the Post Office Change Giving service – you must register for this service
  • Withdraw cash using your debit card and PIN
  • Get your balance using your debit card and PIN

What you need to know:

  • Post Offices have various cut-off times and services, so do check with the Post Office you wish to use to see what they offer and what their cut-off time is for deposits, as this can impact when any deposit you make credits your account 
  • Cash paid in at a Post Office using a Visa Debit card will be added immediately
  • Cash paid in using a paying-in slip will be added to your Royal Bank account by the end of the next working day, if paid in before the Post Office cut off time. If missed, this will be two working days. 
  • Cheques paid into the Post Office will be added to your Royal Bank  account when we receive them from the Post Office, which is normally within two working days. Cheques will follow the normal cheque clearing cycle once we have received them.  Please note, sometimes it might take a little longer for cheques to reach us from the Post Office
  • You can’t mix cash and cheque payments, this will need to be two separate transactions
  • Services at the Post Office are subject to the same charges as our branches
More Information

 

Services What you need Transaction limit Transaction timescales

Cash pay in

Cash to be paid in and pre-printed paying-in slip or chip and PIN debit card.

Coin deposits must not exceed £250.

Regular deposits of £10,000+ per week are by arrangement only. Please contact us or speak to your Relationship Manager to arrange. How to contact us

Cash paid in using a paying-in slip will be added to your Royal Bank account by the end of the next working day, if paid in before the Post Office cut off time. If missed, this will be two working days.

Please note that sometimes it might take longer to reach us.

Cash deposited with a chip and PIN debit card will show in account immediatley.

Mixed pay-ins: You can’t mix cash and cheque payments, this will need to be two separate transactions.

Post Office cut off times: ‘Paying-in services’ transaction timescales are subject to Post Office cut off times. This is the point of time in which the banking transactions are collected from the Post Office

Cheque pay in

Cheque to be paid in and pre-printed paying in slip.

Royal Bank Post Office cheque deposit envelope (available only from the Post Office).

A pre-printed paying-in slip is required for every Royal Bank  branded Post Office cheque deposit envelope used.

Service charges may apply for each paying-in slip used.

Cheques paid into the Post Office will be added to your Royal Bank  account when we receive them from the Post Office, which is normally within two working days. Cheques will follow the normal cheque clearing cycle once we have received them.  Please note, sometimes it might take a little longer for cheques to reach us from the Post Office.

Mixed pay-ins: You can’t mix cash and cheque payments, this will need to be two separate transactions. A pre-printed paying in slip will be needed for each transaction.

Post Office cut off times: ‘Paying-in services’ transaction timescales are subject to Post Office cut off times. This is the point of time in which the banking transactions are collected from the Post Office

Change Giving

 

You will need to register to use this service. Please contact us or speak to your Relationship Manager to arrange a valid Change Giving card provided following registration. This will be required to complete each transaction. How to contact us

Notes to be exchanged for coins only.

None

 

Instant - provided the Post Office has received your change order request at least 24 hours in advance.

Change Giving registration: Please allow approximately 15 business days for the Change Giving registration to be completed before attempting to use the service for the first time.

Cash withdrawal

Bank debit card and PIN

Up to the value of the card limit. Subject to sufficient funds.

 

Instant   

Balance enquiry

Bank debit card and PIN

None

Instant

 

Additional Information:

Service charges: Services at the Post Office are subject to the same charges applicable at Royal Bank of Scotland branches. Please contact us or your Relationship Manager for further information. How to contact us


Mixed pay-ins: Please note that cash and cheques cannot be mixed when carrying out a ‘Paying-in cash with slip’ transaction’. Separate paying-in slips are required.


Post Office cut off times: ‘Paying-in services’ transaction timescales are subject to Post Office cut off times. This is the point of time in which the banking transactions are collected from the Post Office.


Business Quick Deposit: Our Business Quick Deposit service is not available at the Post Office.


Change Giving registration: Please allow approximately 15 business days for the Change Giving registration to be completed before attempting to use the service for the first time.

Frequently asked questions


We answer questions about Post Office Services.
How do I order a paying-in book?

We will automatically send you a new paying-in book when you start to run out of paying-in slips. Otherwise, the quickest way to order a new paying-in book is via:

• Digital Banking
• Bankline
• Or call your local service team who will place an order for you
 

Will I be charged for carrying out transactions at the Post Office?

Services at the Post Office are subject to the same charges applicable to Royal Bank of Scotland branches. Please contact the Bank or your Relationship Manager for further information. How to contact us

How long does it take for cash to be paid through the Post Office?

Cash paid in at a Post Office using a pay-in slip will be added to the Royal Bank of Scotland account and treated as cleared when we receive it from the Post Office (which is usually two business days after you pay it in).

For example:

• Pay in cash on Monday before the Post Office cut off time, the Royal Bank of Scotland account will usually be credited by the end of Tuesday after we receive the funds from the Post Office.

Pay in cash on Monday after the Post Office cut off time, the Royal Bank of Scotland account will usually  be credited by end of Wednesday after we receive the funds from the Post Office.

How long does it take for cheques to be paid through the Post Office? 

Sterling cheques paid in at a Post Office will be added to your account when we receive them from the Post Office which is usually within two working days. Please note sometimes they might take a little longer to reach us.

The cheques will follow the normal cheque clearing cycle once we have received them from the Post Office.

For example:

• Pay in a cheque on Monday before the Post Office  cut off time, we will usually receive it by Wednesday, the cheque value will appear on your statement by Thursday (with Wednesday’s date), and funds will be available to withdraw by the following Tuesday.

• Pay in a cheque on Monday after the Post Office cut off time, we will usually receive it by Thursday, the cheque value will appear on your statement by Friday (with Thursday’s date), and funds will be available to withdraw by the following Wednesday.

Can I use the Business Quick Deposit (BQD) service at the Post Office?

No, the Post Office service does not accept BQD bags. Cash deposits can only be made using a pre-printed paying in slip, and cheque deposits with a pre-printed paying-in slip, and cheque deposits with a pre-printed paying-in slip and designated envelope (envelopes available from the Post Office).

How do I contact the Post Office?

Call the Post Office

Telephone: 03457 22 33 44 or Text Phone: 03457 22 33 55

Lines are open from: 08:15 -18:00 Mon – Friday and 08:30 – 14:00 on Saturday. Calls may be recorded. Calls to 0345 will cost no more than calling a standard geographic number starting with 01 or 02 from your fixed line or mobile and may be included in your call package dependent on your service provider.

Email the Post Office:

customercare@postoffice.co.uk

Write to the Post Office

Freepost

Post Office Customer Care

How do I complain?

Please contact the Post Office on the details above, or else you can speak to our complaints team

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