RBS Business Banking | Sign up for digital banking

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 'An Royal Bank of Scotland 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 SMS if we have your email address and mobile number, or by post if not.

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 Royal Bank of Scotland 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 10 days if it's sent by SMS and 45 days if it's sent by post.

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 of Scotland 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 terms

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

Who we are

Your account is with The Royal Bank of Scotland plc.

We are a member of The Royal Bank of Scotland Group (the Group). For information about our group of companies please visit www.rbs.com and click on 'About Us', or for similar enquiries please telephone 0131 556 8555 or Minicom 0845 900 5960.

Use of personal information and regulatory details

Your information

For details on how we use your information, please see our Privacy Notice

Regulatory Information

We are authorised and regulated by the Financial Services Authority. We are entered on the Financial Services Authority's Register and our Firm Reference Number is 114724.

Complaints

If you are not satisfied with any of our products or services, we have a complaint handling procedure which you can use to resolve such matters. You may request a leaflet giving details of the procedure from any branch.

We are a member of The Financial Ombudsman Service. If you are still not satisfied after following our complaint handling procedures, you may be able to ask the Ombudsman to review the complaint. The Ombudsman will review complaints made by consumers, microenterprises, small charities and small trusts.

A microenterprise means a business whose annual turnover and/ or balance sheet total does not exceed € 2 million (or sterling equivalent) and employs fewer than 10 people, a small charity is one with an annual income of less than £1 million and a small trust is one with a net asset value of under £1 million at the time of the complaint.

You can find out more about The Financial Ombudsman Service in a leaflet available from any branch. Alternatively, you can write to:
Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London E14 9SR

Credit reference agencies
We may make periodic searches at credit reference agencies and will provide information to the Group to manage and take decisions about your accounts. This may include information about how you manage your account including your account balance, credit limit and any arrears. We will also provide this information to credit reference agencies who may make this information available to other organisations so that they can take decisions about you, your associates and members of your household. The information may also be used for tracing purposes.

Fraud prevention agencies
If false or inaccurate information is provided and fraud is identified or suspected, details may be passed to fraud prevention agencies.
Law enforcement agencies may access and use this information.

We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:

• checking applications for, and managing credit or other facilities and recovering debt
• checking insurance proposals and claims
• checking details of job applicants and employees.

We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.

We can provide the names and addresses of the credit reference and fraud prevention agencies we use if you would like a copy of your information held by them. Please contact The Data Protection Manager, Retail Regulatory Risk, 2nd Floor, Business House B, Royal Bank of Scotland Gogaburn, Edinburgh, EH12 1HQ. The agencies may charge a fee.

Business banking Helping you get ahead

Adobe Reader TM

Get in touch Contact us
Existing customers

0345 6002230

Minicom
0800 404 6160

Mon-Sun 24/7
Calls may be recorded 

Set Tab for lightbox