# Royal Bank ClearSpend > Business spending control and management for commercial card accounts. (iPhone/iPad app by NatWest Group plc.) - Source: https://appshunter.io/ios/app/royal-bank-clearspend/id1397509095 (this page in markdown: same URL + `.md`) - Developer: [NatWest Group plc](https://appshunter.io/developer/479351816) - Category: Finance - Price: Free - Age rating: 4+ - Requires: iOS 15.0 · 62 MB - Languages: English - Released: 2018-07-26 - Data updated: 2026-08-18 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/royal-bank-clearspend/id1397509095/reviews.md ## What is Royal Bank ClearSpend? ClearSpend is the smarter way to control your business spending. The Royal Bank ClearSpend mobile app gives you complete control of your Commercial Card account. - Real time balance information - View transactions, including pending and declines - View regular statements - Set cardholder credit limits - Set cardholder merchant category blockings - Lock and unlock an employee’s card - Receive transaction notifications - Approve online purchases - Create departments to segregate spend - App for administrators and cardholders Registration It only takes a couple of minutes to get started on Royal Bank ClearSpend. Simply download the App and click ‘Need to register’ and then follow the onscreen instructions. Please note, the Business or Commercial Card account will need to be registered and activated before cardholder users can register. Royal Bank ClearSpend is available to eligible Royal Bank Business and Commercial Card account customers with compatible iOS devices and a UK or international mobile number in specific countries. Over 18s only, other terms and conditions apply. ## Key features - Real-time balance information - View transactions (pending and declined) - Set cardholder credit limits - Block merchant categories - Lock/unlock employee cards - Approve online purchases - Create departments for spend segregation ## Recent user reviews (10 of 27) All indexed reviews: https://appshunter.io/ios/app/royal-bank-clearspend/id1397509095/reviews.md ### 1/5 — Notifications do not work *2024-07-11* When you purchase something. No notifications appear in the app. ### 1/5 — Absolutely useless app *2024-05-17* If you don’t have a mobile phone signal, forget it! The app sends a text message with an OTP (One Time Password) to enable you to log in, as a security measure, with no other alternative option. If you have a signal, great, if not, a complete and utter waste of time. Not fit for purpose! ### 1/5 — Terrible app *2023-11-09* Let’s RBS down badly and the customer service when you have to phone is even worse. Moving to another credit card provider ### 2/5 — Transaction notification delays *2023-09-14* Horrendous app. Doesn’t notify you of pending transactions until days after you’ve tried to make a transaction. I had seven notifications overnight from purchases I’d tried to make days before. Needs a rethink as the website is t much better. Both devices at home with excellent Wi-Fi. Used PayPal instead. **Developer response:** We are extremely sorry for the inconvenience. The problem has now been resolved. ### 1/5 — Horrible app - make me move into another bank *2023-08-04* Poor notifications. Always on hold. Problems on 78% of the transactions and verification, which generate the problem of card blocked ### 1/5 — Awful App *2023-05-16* This app is terrible and why RBS could not just with their main online banking app as they do with their personal credit cards I have no idea. I would recommend not signing up for this service. I will be leaving **Developer response:** Thank you for sharing your feedback. Integrating business credit card accounts into our Royal Bank of Scotland Mobile Banking app is something that is now currently under development. ### 1/5 — Summary balance not updating *2023-05-02* After the last update the credit card balance is just not updating with the transactions filed, meaning the ‘balance available’ figure is completely inaccurate. This has caused multiple embarrassing card declines across the company. When a credit limit is then temporarily changed for an individual card the summary does update, but this is too little too late - we only get to this point after the card has been declined. This makes the app utterly useless for keeping track on individual expenditure and limits, which is the whole point of it. Please fix this ASAP. Edit update: I’ve just had to downgrade this now to a one star. The app is utterly useless until this is sorted. I cannot accurately keep an eye on tens of thousands of expenditure across the company, making use of credit cards now a significant risk on our risk register. Totally unacceptable that a bank app has this much risk to my business. **Developer response:** We are extremely sorry for the inconvenience. The problem has been resolved in out latest update. ### 5/5 — All working well *2023-04-09* Was expecting problems with the app based on the comments but it works fine for me ### 1/5 — Doesn’t work *2023-04-09* After being forced to update, this doesn’t work. Just freezes immediately after logging in. Does the developer not test their work? This doesn’t happen with the likes of Starling. **Developer response:** We're extremely sorry for the inconvenience this has caused you. The problem has now been resolved in the latest update. ### 1/5 — Can’t login *2023-04-08* Same as others app loads but then stuck on spinning wheel **Developer response:** We're extremely sorry for the inconvenience this has caused you. The problem has now been resolved in the latest update. ## Frequently asked questions about Royal Bank ClearSpend ### What does the Royal Bank ClearSpend app do? The app provides comprehensive control over your business's commercial card spending. It allows you to view real-time balances, track transactions, set spending limits for cardholders, and manage employee cards. Administrators can also approve online purchases and organize spending by department. ### What are the key features of the ClearSpend app? Key features include real-time balance information, viewing pending and declined transactions, setting cardholder credit limits, blocking specific merchant categories, locking and unlocking employee cards, receiving transaction notifications, approving online purchases, and creating departments to segregate spend. ### Is the Royal Bank ClearSpend app free to use? Based on the provided information, the app itself is free to download and use. There are no mentions of in-app purchases or subscription fees for the core functionality. ### Who is the target audience for this app? This app is designed for administrators and cardholders of eligible Royal Bank Business and Commercial Card accounts. It is particularly useful for businesses looking to gain better control and oversight of their employee spending. ### How do I register for the Royal Bank ClearSpend app? Registration is straightforward. After downloading the app, click 'Need to register' and follow the on-screen instructions. It's important to note that the Business or Commercial Card account must be registered and activated before cardholder users can register. ## Version history (last 5 releases) ### 9.2.0 — 2026-06-11 Security and performance update. We’ve improved sign in protection, including email guidance if you’re locked out and stronger passwords when you reset. You may also see extra verification during registration. Plus accessibility improvements, reporting capped to 3 years, and general technical performance fixes. ### 9.1.0 — 2026-03-03 When you’re checking out in a participating merchant’s app, we’ll now take you straight to ClearSpend to verify your purchase and bring you back when you’re done, making checkout quicker and easier. ### 9.0.0 — 2025-10-21 We’ve enhanced your statement access. You can now view and download up to 36 months of historic credit card statements directly within the app - an increase from the previous 12-month limit. This update supports improved financial record-keeping and easier access to your transaction history. ### 8.0.0 — 2025-08-21 We’ve made it even easier to start using your credit card! With our latest update, you can now instantly add your card to your phone’s digital wallet—right from the ClearSpend app. No more switching apps or manual entry. Just tap, add, and go! Enjoy faster, more secure payments with in-app wallet provisioning. ### 7.0.0 — 2024-11-20 In our latest update, we've made some bug fixes and technical changes behind the scenes. ## Apps similar to Royal Bank ClearSpend | App | Rating | Price | Category | | --- | --- | --- | --- | | [NatWest ClearSpend](https://appshunter.io/ios/app/natwest-clearspend/id1227471926) | 4.2 (5) | Free | Finance | | [Coutts Mobile](https://appshunter.io/ios/app/coutts-mobile/id570181477) | 3.0 (8) | Free | Finance | | [Sterling Bank Online-Personal](https://appshunter.io/ios/app/sterling-bank-online-personal/id1225810096) | 2.8 (5) | Free | Finance | | [Bank of Scotland Mobile Bank](https://appshunter.io/ios/app/bank-of-scotland-mobile-bank/id485728109) | 4.9 (2,664) | Free | Finance | | [Halifax Mobile Banking](https://appshunter.io/ios/app/halifax-mobile-banking/id486355738) | 4.9 (7,316) | Free | Finance | | [Aqua credit card](https://appshunter.io/ios/app/aqua-credit-card/id1059355733) | 4.7 (325) | Free | Finance | ## More apps by NatWest Group plc - [Royal Bank of Scotland](https://appshunter.io/ios/app/royal-bank-of-scotland/id334852412) - [NatWest International](https://appshunter.io/ios/app/natwest-international/id451464914) - [Isle of Man Bank](https://appshunter.io/ios/app/isle-of-man-bank/id451476336) - [Ulster Bank RI Mobile Banking](https://appshunter.io/ios/app/ulster-bank-ri-mobile-banking/id469519882) - [Ulster Bank NI Mobile Banking](https://appshunter.io/ios/app/ulster-bank-ni-mobile-banking/id469523324) - [NatWest Investor Relations app](https://appshunter.io/ios/app/natwest-investor-relations-app/id512311030) All apps by NatWest Group plc: https://appshunter.io/developer/479351816 ## Related topics [natwest clearspend](https://appshunter.io/ios/topics/natwest-clearspend) · [natwest group plc](https://appshunter.io/ios/topics/natwest-group-plc) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-18.*