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How do I close an account?

The ways to close an account depend on the type of product you have with us.

Personal current accounts

To close a Personal current account you will need to visit your local Royal Bank of Scotland branch. Please see the forms of ID we can accept (opens in a new window).

Royal Bank of Scotland branch locator
Find your nearest branch using our branch locator (opens in a new window).

Business current accounts

To close a Business current account please contact Direct Banking for Business where you will be asked for your additional security (partial Pin & Password details) to close the account.

Business customers
0345 6002230 (Overseas +44 131 5498888)
Minicom: 0800 404 6160
Open 24 hours a day
Calls may be recorded

Or you can close a business current account by completing and returning the Business Account Closure form (PDF 73KB).

Stocks and Shares ISAs

You will also need to visit your local Royal Bank of Scotland branch to close a Stocks and Shares ISA.

Savings accounts

If you are enrolled for Digital Banking you can close an Instant Access savings account online. You can also close a Cash ISA online as long as you do not want to transfer the funds to another ISA product or provider. Your account will need to be in your sole name. If this is your only account with us, you won't be able to close it online.

To close a savings account online:

  1. Log in to Digital Banking at www.rbsdigital.com (opens in a new window)
  2. Select the account you wish to close from your list of Personal accounts on the 'Account summary' page
  3. Click on 'View account details' at the end of the mini statement for that account
  4. Select 'Click here' after 'Need to close your savings account?'
  5. Complete the information asked for on the form and select 'Submit'

Once you've submitted the form, that's all you need to do - your account will be closed within 5 working days, and will no longer appear on your Digital Banking service.

Please note: You will lose access to your complete online statement history for this account from the point of closure, so please think carefully before you do this. You may wish to print or download any statements before proceeding. You can download up to one year at a time in a number of different formats using the 'Statements' option.

If you are enrolled for Telephone Banking you can close an Instant Access savings account by contacting the Helpdesk.

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Telephone banking
Customers in Scotland
Personal - 03457 242424 (Overseas +44 131 5498888)
Business - 0345 6002230 (Overseas +44 131 5498888)
Minicom: 0800 404 6160

Customers in England and Wales
Personal - 0345 9000400 (Overseas +44 131 2420017)
Business - 0345 3070900 (Overseas +44 131 2420017)
Minicom: 0800 068 1289

Open 24 hours a day.
Calls may be recorded.
Call charge information.

Please have your Customer Number and security number ready as this will enable your call to be answered faster and more securely. These are the same details you use to log in to Digital Banking.

To close any other type of savings account, or if you prefer, you can visit your local Royal Bank of Scotland branch. Please see the forms of ID we can accept (opens in a new window).

Fixed Term Savings Accounts require 35 days written notice and an Early Closure Charge may apply.

Alternatively, if you wish to close an Instant Access savings account or a Cash ISA, you can write to:

Bolton Customer Service Centre
PO Box 2027, Parklands
De Havilland Way
Horwich
Bolton
BL6 4YU

When writing to us, please sign and date the letter and also tell us where any remaining funds in the account should be transferred to.

Your Royal Bank of Scotland loan account

To close your loan account you would need to contact our lending department.

Existing loans
0345 030 3216
Minicom 0800 404 6160
Open Monday to Friday 8am - 8pm (excluding bank holidays), Saturday 9am - 5pm

Fixed Term Savings Accounts, Fixed Rate Bonds and Treasury products

To close a Treasury product you hold with Royal Bank of Scotland you will need to contact Telephone Banking.

You may close your Fixed Term Savings Account at any time before the Fixed Term Start Date and no Early Closure Charge will apply. After the Fixed Term Start Date you may close your Fixed Term Savings Account before the Maturity Date on giving 35 days written notice to your branch.

Please note: in order to close a Fixed Rate Bond you must give 35 days written notice of your intention to close your account before it has reached its maturity date, and you may incur an Early Closure Charge for this.

Your Royal Bank of Scotland credit card

If you wish to cancel your Royal Bank of Scotland credit card, please contact Credit Card Services.

Card services
0370 907 0010 (overseas +44 1268 508018)
Minicom: 0800 141 3999
Open 24 hours a day.
Calls may be recorded.
Call charge information.

Provided we have all the information we need, your account will normally be closed within 5 working days. Specialist accounts will take longer.