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How long does it take to make a payment to my credit card?

Below are the different ways that a Royal Bank of Scotland credit card bill can be paid, and the time to allow for each payment method.

Royal Bank of Scotland Credit Card Online Services

  • 2 full working days for debit card

At any branch of NatWest or Royal Bank of Scotland

  • 2 hours for Faster Payments
  • 3 full working days for cash and other payments
  • If paying by cheque, funds must be cleared before payment is accepted

At a branch of any other bank

  • 3 full working days
  • If paying by cheque, funds must be cleared before payment is accepted

Royal Bank of Scotland Digital Banking

  • 2 hours for Faster Payments
  • 3 full working days for other payments

Royal Bank of Scotland telephone banking

  • 2 hours for Faster Payments
  • 3 full working days for other payments

Cheque payments by post

  • 7 full working days
  • Funds must be cleared before payment is accepted

Direct debit

  • Minimum payment - payment is claimed 25 calendar days from statement date or shortly afterwards
  • Full payment - payment is claimed 15 calendar days from statement date or shortly afterwards

Another banks' online and telephone banking services

  • 2 hours for Faster Payments
  • 3 full working days for other payments

Working days excludes weekends and bank holidays.