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I don't have a card-reader, how can I make a payment?

Digital Banking

If you want to set up or amend a payee in Digital Banking you will need a card-reader. However, you don't need one to arrange a payment to someone you have already paid online.

Mobile banking

You can also make payments of up to £250 through the Pay Your Contacts feature on our Mobile Banking app.

Telephone banking

If your Telephone Banking service is fully activated, you can set up and make a payment over the phone.

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.


You can make a payment at your local branch. Do remember to take your debit card and proof of ID with you. 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).

Ordering a card-reader

We do suggest you order a card-reader so that you can set up and amend payees in the future.

  1. Log in to www.rbsdigital.com (opens in a new window)
  2. Select 'Security' from the menu.
  3. In the 'Using a card-reader' section, select 'Order a card-reader'.
  4. Select a reason from the drop down menu.
  5. Select 'Confirm'.