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How long will my account take to open?

New customer

If you have applied for a current account or an instant saving account online and this is your first account with us the process may take up to 10 days dependent upon the identification you provide whilst applying.

Existing customer

If you have applied for a current account or an instant saving account online and you already have an existing account with us, then your new account should be open within 24 hours.

For any further information please contact:

General enquiries

Application support

For Current or Savings accounts

We offer 24/7 application support online via Cora, our digital assistant, and our friendly webchat team. Simply click the Cora button below and ask 'help with my account application' and select the current or savings account.

Have you met Cora, your digital assistant?
Cora can help you with a wide range of queries, including this one.

Ask Cora

You can also do this in the mobile app by tapping 'Help' on the homescreen, followed by ‘Message us’.

Royal Bank of Scotland application helpdesk (Loans, Overdrafts or Credit Cards)

Royal Bank of Scotland application helpdesk
0345 3030 344
Minicom: 0800 027 1398
Open Monday to Friday 9am - 5pm, closed Sat-Sun.
(Opening hours may vary on Public Holidays)
Calls may be recorded.

Loan or Overdraft - option 3
Credit Card - option 4

Loan enquiries

Royal Bank of Scotland Lending
0800 121 121
overseas: +44 131 549 8888
Minicom: 0800 404 6160
Open Monday to Friday 8am - 8pm, Saturday 9am - 3pm (excluding public holidays)
Calls may be recorded.

Credit card enquiries

Card services
You can contact our credit card team via secure messaging within your mobile app, or alternatively please ring on:
0370 907 0010 (overseas +44 1268 508 023)
Relay UK: 18001 0370 907 0010
Accessibility information (opens in a new window).
Open 24 hours a day.
Calls may be recorded.
Call charge information.