Sign up for digital banking | Royal Bank of Scotland

Who can apply?

All our business customers – apart from some trust accounts – can access Royal Bank of Scotland Digital Banking. Applications can be completed by the account-holder or an authorised user (such as an accountant).

Two to sign trusts, or One to sign trusts where the trustee does not have the power to transact on their account, are unable to use Digital Banking. 

Authorised users

For security reasons, each individual or third party who requires access to a business account should apply to become an authorised user by completing the relevant section on the application form. 

Need help?

If you want help with your application, call us on 0345 6002230 (Minicom 0800 404 6160). Lines are open 24 hours. All 03 calls from landlines and mobiles are included in free call packages. Calls may be recorded. 

How to apply

Sole traders

What you need

• Your business account number
• Your branch sort code
• A debit card for your business account (optional)

The sign-up process

This sign-up process is for all personal and business customers.
On the first page of the application, ensure that you select 'A RBS Business Account' at the bottom of the page.

Completing your application

If you have all of the above, the quickest way to get up and running is to just complete the Digital Banking application form.

If you don’t have a debit card, we will give you a customer number on screen and send you an Activation code for Digital banking by post.

Other types of companies

• Limited company
• Partnership
• Club/Society/Association/Charity/Trust (Unincorporated Body)
• Limited Liability Partnership (LLP)

What you need

• Your business account number
• Your branch sort code

The sign-up process

This sign-up process is for all personal and business customers.
On the first page of the application, ensure that you select 'A RBS Business Account' at the bottom of the page.

Completing your application

If you have all of the above, complete the Digital banking application form.

Once you have completed the form, please print, sign and post it to the following address (no stamp is required). You can also take the form to your branch.

Royal Bank of Scotland Online Banking
FREEPOST Licence No: RSSC-KJZK-ZGZY
Western Avenue
Chatham Maritime
CHATHAM ME4 4RT 

Activating Digital Banking

To protect your account, we’ll send out your Digital Banking activation details in two separate letters. The first contains your customer number and the second has your activation code. This code expires after 45 days.

If your code expires, go to the Royal Bank of Scotland Business banking home page, and click the Login icon. Click on Help 24 x 7 on the left-hand side for advice on re-submitting your details.

When you have both letters, you can activate Digital Banking.

• Go to the Royal Bank home page and click on the Digital Banking icon in the top right-hand corner of the web page.
• On the Login page, enter your customer number and tick the box that says ‘Customer with a new activation code’.
• Enter your activation code on the next page.
• Choose your PIN and password at the prompt. You’ll need these every time you access Digital and Telephone banking.

You will now be able to view your accounts summary and statements online, and make transfers between accounts.

Some transactions, such as standing order creation, require the use of a Card-Reader for additional security.

Once ordered, you should receive your Card-Reader in around three weeks. In the meantime you can still use all the other Digital banking services.

If you don’t have a business debit card, we will provide you with a digital banking card for you to use with your Card-Reader so you can use our Digital and Telephone banking services. 

Order a card-Reader

You’ll be prompted to order a free Card-Reader when you first activate Digital banking. Entering your bank card and PIN number into this small device generates a unique code that identifies you, adding an extra layer of security to certain online transactions such as:

• Making a payment for the first time online
• Setting up or changing a single or regular payment instruction
• Creating or amending a standing order
• Changing the PIN or password you use to log in to Digital banking

Once ordered, you should receive your Card-Reader in around three weeks. In the meantime, you can still use all the other Digital banking services.

If you don’t have a business debit card, we will provide you with an Online banking card for you to use with your Card-Reader so you can use our Digital and Telephone banking services. 

Business Banking term

These Terms and Conditions explain the customer's rights and responsibilities and those of The Royal Bank of Scotland plc governing the use of The Royal Bank of Scotland Direct and Digital Banking Services.

If you do not hold a Royal Bank of Scotland credit card, then the terms and conditions which relate to credit cards will not apply to you.

Definitions

'We', 'Us', 'Our' means The Royal Bank of Scotland plc.
'You', 'Your' for current and savings accounts means:

• in the case of an individual, the customer who has an account(s) with us on which the Service is available. If you have a joint account, references in these terms and conditions to 'you' include both of you together and separately; or
• in the case of a limited company, any Director, Official and any other persons authorised by the customer to give instructions on the account(s); or
• in the case of a partnership, the individual partners (in their separate capacities of partners and individuals) and any other persons authorised by the customer to give instructions on the account(s); or
• in the case of a limited liability partnership, any member and any other person(s) authorised by the customer to give instructions on the account(s); or
• in the case of a sole trader or professional practitioner, the customer who has an account(s) and any other person(s) authorised by the customer to give instructions on the account(s); or
• in the case of a club, society or unincorporated body, any official and any other person(s) authorised by the customer to give instructions on the account(s); or
• in the case of a trust, any trustee and any other person authorised by the trustees to give instructions on the account(s).

'You', 'Your' for credit card accounts means the customer who has a credit card account with us.

'Security Details' means the identifying words, codes and numbers agreed between you and us that are used in the security procedure.

'Service' means The Royal Bank of Scotland Direct and Digital Banking Services when accessed using the telephone or internet.

Authority

You authorise us to accept and act on your instructions and to pay to and from your account(s) the amounts involved when the transaction has been authenticated by the use of the security procedure we require you to follow. You acknowledge and agree that this may be on an account that could otherwise only be operated by two or more persons.
If you have a joint account, we will act on the instructions of either of you but you are each responsible for all transactions carried out and for the repayment of any borrowing which arises on your account.

Security Procedure

You must keep your Security Details secret and take all reasonable precautions to prevent unauthorised or fraudulent use of them.

You must not disclose your Security Details to any other person or record your Security Details in any way that may result in them becoming known to another person.

Please note that after initial registration or enrolment we will never contact you, or ask anyone to do so on our behalf, with a request to disclose your Security Details in full. If you receive any such request from anyone (even if they are using our name and logo and appear to be genuine) then it is likely to be fraudulent and you must not supply your Security Details to them in any circumstances. You should report any such requests to us immediately.

Where a transaction on the account is confirmed by use of the Security Details and the Service but you subsequently show was not authorised by you, you will not be liable for that transaction provided you have kept your Security Details secret, you have acted with reasonable care and in accordance with these Terms and Conditions, and you have not acted fraudulently.

If you suspect someone knows your Security Details you must contact us immediately. If you fail to do so, you will be liable for any unauthorised transactions on your account confirmed by use of the Security Details.

You will be responsible for all instructions received by us between the time you pass the security procedure until you exit from the Service. Please note that this includes any input errors or instructions sent by someone other than yourself so please do not leave the device you are using to access the Service unattended while you are still logged onto our website.
Telephone calls may be recorded.

Transactions

Banking instructions received for your current and savings accounts by 6:30pm on any banking day will normally be processed that day. (You will be advised at the time you send the instruction if the instruction cannot be processed that day but will be processed the next banking day). Instructions received at any other time will be processed the next banking day.

Provision of the Service will not give you the right to make your account overdrawn except to the extent of any overdraft which we may agree from time to time.

You are responsible for all transactions carried out using the Service and for repayment of any debt that arises from use of the Service.

Charges

We reserve the right to charge you and you agree to pay the charges for the Service or any part of it. Details of new charges and changes to charges will be notified to you in writing, or by a text message or e-mail, at least one month before they take effect and will also be available on www.rbs.co.uk.

Availability of the Service

While we will make reasonable efforts to provide the Service, we will not be liable for any failure to provide the Service, in part or full, for any cause that is beyond our reasonable control. This includes, in particular, any suspension of the Service resulting from maintenance and upgrades to our systems or those of any party used to provide the Service.

Variation/Termination of the Service

We reserve the right to change the Service from time to time and shall give you notice of any material changes.
We may, where we consider it appropriate for you or your protection, suspend, withdraw or restrict the use of the Service or any part of the Service. We will tell you as soon as practicable if we take such action. We may also end the Service or any part of the Service at any time by giving you reasonable notice.

We reserve the right to vary these Terms and Conditions and will give you 30 days' notice of any material changes.

You may terminate your subscription to the Service by notifying us. The notification will not be effective until we receive it.


Your Information

1.1 We collect and process various categories of personal and financial information throughout your relationship with us, to allow us to provide our products and services and to run our business. This includes basic personal information such as your name and contact details, and information about your financial circumstances, your accounts and transactions. This section sets out how we may share your information with other RBS companies and third parties.

1.2 For more information about how we use your personal information, the types of information we collect and process and the purposes for which we process personal information, please read our full privacy notice (our “Privacy Notice”)

1.3 We may update our Privacy Notice from time to time, by communicating such changes to you and/or publishing the updated Privacy Notice on our website www.rbs.co.uk/privacy. We would encourage you to visit our website regularly to stay informed of the purposes for which we process your information and your rights to control how we process it.

1.4 In respect of any personal information relating to a third party that you provide to us, you must:

a) notify the third party that you are providing their personal information to us and obtain their permission;

b) provide the third party with a copy of our Privacy Notice and these Terms;

c) promptly notify the third party of any changes to our Privacy Notice that we notify you of; and

d) ensure that, to the best of your knowledge, the personal information is accurate and up to date, and promptly notify us if you become aware that it is incorrect.

1.5 Your information may be shared with and used by other RBS companies.  We will only share your information where it is necessary for us to carry out our lawful business activities, or where it is necessary to comply with laws and regulations that apply to us.

1.6 We will not share your information with anyone outside RBS except:

a) where we have your permission;

b) where required for your product or service;

c) where we are required by law and to law enforcement agencies, judicial bodies, government entities, tax authorities or regulatory bodies around the world;

d) with other banks and third parties where required by law to help recover funds that have entered your account as a result of a misdirected payment by such a third party;

e) with third parties providing services to us, such as market analysis and benchmarking, correspondent banking, and agents and sub-contractors acting on our behalf, such as the companies which print our account statements;

f) with other banks to help trace funds where you are a victim of suspected financial crime and you have agreed for us to do so, or where we suspect funds have entered your account as a result of a financial crime;

g) with debt collection agencies;

h) with credit reference and fraud prevention agencies;

i) with third party guarantors or other companies that provide you with benefits or services (such as insurance cover) associated with your product or service;

j) where required for a proposed sale, reorganisation, transfer, financial arrangement, asset disposal or other transaction relating to our business and/or assets held by our business;

k) in anonymised form as part of statistics or other aggregated data shared with third parties; or

l) where permitted by law, it is necessary for our legitimate interests or those of a third party, and it is not inconsistent with the purposes listed above.

1.7 If you ask us to, we will share information with any third party that provides you with account information or payment services. If you ask a third party provider to provide you with account information or payment services, you’re allowing that third party to access information relating to your account.  We’re not responsible for any such third party’s use of your account information, which will be governed by their agreement with you and any privacy statement they provide to you.

1.8 In the event that any additional authorised users are added to your account, we may share information about the use of the account by any authorised user with all other authorised users.

1.9 RBS will not share your information with third parties for their own marketing purposes without your permission.

1.10 We may transfer your information to organisations in other countries (including to other RBS companies) on the basis that anyone to whom we pass it protects it in the same way we would and in accordance with applicable laws. We will only transfer your information if we are legally obligated to do so, or where the other country has laws that adequately protect your information, or where we have imposed contractual obligations on the recipients that require them to protect your information to the same standard as we are legally required to.”

 

Get in touch Contact us
Existing customers

0345 6002230

Minicom
0800 404 6160

Mon-Sun 24/7
Calls may be recorded 

Business banking Ahead for business

Adobe Reader TM

Set Tab for lightbox