# Royal Bank of Scotland — Simple, safe and secure

> Mobile banking app for managing accounts, payments, savings, and financial services. (iPhone/iPad app by NatWest Group plc.)

- Source: https://appshunter.io/ios/app/royal-bank-of-scotland/id334852412 (this page in markdown: same URL + `.md`)
- Developer: [NatWest Group plc](https://appshunter.io/developer/479351816)
- Category: Finance
- Price: Free
- Rating: 4.80/5 from 1,328 App Store ratings · 820 written reviews indexed
- Age rating: 4+
- Requires: iOS 16.0 · 672 MB
- Languages: American English, French (France), European Spanish
- Released: 2018-03-19
- Data updated: 2026-08-28
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/royal-bank-of-scotland/id334852412/reviews.md

## What is Royal Bank of Scotland?

Take control of your banking. Our app makes your day-to-day banking easy, quick and secure.

Why the RBS app?

Manage your money easily and securely:
•	Apply for current, savings, child, teen, Premier, and student accounts quickly. Eligibility criteria apply. 
•	See all your bank accounts straight from your Home screen.
•	Freeze and unfreeze your card at any time (Mastercard only).
•	Use Pots to set money aside from your main account for everyday needs and to stay in control of your spending.
•	Set up fingerprint, voice or facial recognition for better security and to send high value payments in-app, amend payment limits and more. Fingerprint, voice or facial recognition are only available on selected devices.

Send, receive and access money quickly:
•	Request money via a QR code or link.
•	Send money faster with a personalised list of favourite payees.
•	Split a bill up to £500 by sharing a payment request link with multiple people at once. (Eligible current accounts only. Payment requests can be sent to anyone with an eligible account with a participating UK bank and uses online or mobile banking. Paying bank criteria and limits may apply.)
•	iPhone only: Get Cash in emergencies with a unique code without using your card. You can withdraw up to £130 every 24 hours at our branded ATMs. You must have at least £10 available in your account and an active debit card (locked or unlocked).

Stay on top of your spending and saving:
•	Keep track of payments all in one place.
•	Save your spare change with Round Ups if you have an eligible current account and instant access savings account. Round Ups can only be made on debit card and contactless payments in Sterling.
•	Budget easily by managing your monthly spending and set categories.
•	Turn on push notifications to get alerted when money reaches or leaves your account.

Get support for every life event:
•	Spend abroad in Euros and US Dollars without fees or charges by applying for a Travel account. You must have enough money in your travel account. To apply for a Travel account, you need an eligible sole current account and to be over 18. Other terms and fees may apply.
•	Get updates on your credit score and insight on how to improve it. Your credit score data is provided by TransUnion and is only available to customers over 18, with a UK address.
•	Discover our additional products and services, including mortgages, home and life insurance and loans, in one place.
•	Fast track your money goals with the help of our handy plans, tools and tips.

Important info:

Please note, the app contains images when logging in that may cause a reaction in individuals who are photosensitive. You can switch these off for your device by visiting the settings menu and the accessibility menu, where you will be able to find motion and visual control settings within the menu (note that this is not within our app, but in the settings of your device itself).

Our app is available to customers aged 11+ with a UK or international mobile number in specific countries. Be aware that some features and products have age restrictions and are only available if you’re over 16 or 18.

By downloading this app, you’re accepting our Terms and Conditions, which can be viewed at rbs.co.uk/mobileterms.

Please save or print a copy along with the Privacy Policy for your record.

## Key features

- Apply for various account types
- View all bank accounts
- Freeze/unfreeze cards
- Biometric login and payment security
- Send/receive money via QR code or link
- Split bills
- Track spending and set budgets
- Round up spare change for savings

## What do users think of Royal Bank of Scotland?

Overall sentiment: neutral

**Pros**

- 👍 Easy to use
- 🚀 Smooth and fast
- 🔒 Secure banking
- 💡 Helpful features like 'Get Cash'
- 👍 Straightforward navigation
- 👍 Convenient mobile banking

**Cons**

- 🐛 Face ID/biometrics not working
- 🐛 App crashes or freezes
- 🐛 Cheque deposit feature not working
- 🐛 Accounts not syncing properly
- 🐛 Unreliable app performance
- 🔒 Concerns about security and fraud

**Commonly reported bugs**

- App not working overseas or with certain devices
- Repeated prompts to update app
- Inability to access older transactions and statements
- Issues with depositing cheques through the app

**Most requested features**

- Ability to see running balance on transactions
- Option to customize app interface and colors
- Improved notification system
- Better support for joint accounts and multiple users
- More transparency on payment limits and restrictions

## Recent user reviews (10 of 820)

All indexed reviews: https://appshunter.io/ios/app/royal-bank-of-scotland/id334852412/reviews.md

### 5/5 — Mr N

*2026-08-07, version 7.68.0*

RBS apps very easy and helpful

### 5/5 — Truly fabulous 42 years banking with RBS

*2026-08-06, version 7.68.0*

I have banked with RBS when I first started work over 40years ago and they have provided exceptional professionalism support and continuous updates on best products for me calling me into branch for review my banking

### 5/5 — Easy to use

*2026-08-06, version 7.68.0*

Paying credit cards

### 5/5 — Grateful

*2026-08-06, version 7.68.0*

Thank you RBS for making my life easy

### 1/5 — Stop asking me for reviews all the time

*2026-08-06, version 7.68.0*

I like the app - it works really well but I can’t use it because you keep asking me to review it!

### 5/5 — Needy

*2026-08-05, version 7.68.0*

stop asking me to review the app - EVERY TIME I LOG IN.

It's fine BTW

### 5/5 — Bank

*2026-08-05, version 7.68.0*

Good

### 1/5 — Pop-Up Fatigue

*2026-08-05, version 7.68.0*

The banking app is fine but the never-ending pop-up seeking feedback is so annoying.

### 3/5 — Confusing historical balance data

*2026-08-05, version 7.68.0*

Have been a longtime RBS customer, but recently switched to mainly using Monzo as my main account because it’s much easier to keep track of incoming and outgoing payments. I switched back to using RBS when I saw they had introduced pots like Monzo. That is great. However, I still find it difficult to keep track of payments and balance, because it’s not showing in sequential order. It confuses what my balance was historically, by lumping all “payments in” together, so it doesn’t accurately show what my balance was with a certain transaction. It’s very confusing and I am considering going back to monzo for this unfortunately.

### 5/5 — RBS

*2026-08-05, version 7.68.0*

Customer service is class years of kind people help whrn you need you bank thanks rbs

## Frequently asked questions about Royal Bank of Scotland

### What can I do with the RBS mobile banking app?

The app allows you to manage your day-to-day banking securely and easily. You can apply for various account types, view all your bank accounts, freeze or unfreeze your card, send and receive money, split bills, track your spending, and set budgets. It also offers features to help with saving and provides access to financial tools and support for life events.

### Is the RBS app free to use?

The app itself is free to download and use. While the app is free, some of the financial products and services it provides access to may have associated fees or charges, as is standard with banking services. The description indicates the app has ads.

### What are the security features of the RBS app?

The app offers robust security features to protect your banking. You can set up touch, voice, or face ID for enhanced security, and send high-value payments in-app. It also allows you to freeze and unfreeze your Mastercard at any time. These biometric features are available on selected devices.

### Who is eligible to use the RBS mobile app?

The app is available to customers aged 11 and over who have a UK or international mobile number in specific countries. Some features and products may have additional age restrictions or eligibility criteria, such as requiring an eligible current account or being over 18.

### Can I use the app to manage my spending and savings?

Yes, the app provides tools to help you stay on top of your spending and saving. You can keep track of all your payments in one place, budget easily by managing your monthly spending and setting categories, and save spare change with the Round Ups feature on eligible accounts. Push notifications can alert you to money entering or leaving your account.

## Version history (last 5 releases)

### 7.69.0 — 2026-08-12

•	Stay up to date with your mortgage all from your app. View your balance and account details, and track your progress.
•	You can now track your remaining annual ISA allowance in your app.
•	We’ve made payment approval requests easier to review, appearing on your Home screen the moment they arrive.

### 7.68.0 — 2026-07-13

•	View and download statements from previous years.
•	Break down your spending by company or category. This is available for your current accounts and credit cards.
•	Transactions are now easier to access from your home screen so you can see them quickly and access features you need the most.

### 7.67.0 — 2026-06-15

•	We’ve updated your payments screen to make it easier for you to find what you need.
•	Helpful features and products just for you are now at the bottom of your home screen.
•	Your benefits are now all in one place, so it’s even easier to view and use them.
•	If you’ve fallen behind and need help to get back on track, you can find support in Help, under Help with money worries. 
•	Quickly change the account you use for your monthly loan payments in just a few steps.
•	Transactions are now easier to access from your home screen so you can see them quickly and access features you need the most.

### 7.66.1 — 2026-06-01

•	Explore all the Premier tools and support available to you in one place, directly from your current account.
•	Transactions are now easier to access from your home screen so you can see them quickly and access features you need the most.

### 7.66.0 — 2026-05-18

•	Explore all the Premier tools and support available to you in one place, directly from your current account.
•	Transactions are now easier to access from your home screen so you can see them quickly and access features you need the most.

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## More apps by NatWest Group plc

- [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

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*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 2026-08-28.*