RBS Royal Bank of Scotland

About RBS

Bank of Scotland is the second oldest bank in the UK, since it was established one year after Bank of England.
With NatWest and Ulster Bank, Royal Bank of Scotland is part of The Royal Bank of Scotland Group. RBS mainly has branches in Scotland, although it is also present in many larger towns and cities in England and Wales.
It is remarkable that RSB has not only been working through traditional branches, phone and internet banking, but since 1946 also through the so-called "mobile branches", e. g. using converted vehicles to reach remote areas in the countryside as well. 19 mobile branches are still in use nowadays.
RBS owns many popular banking brands, such as NatWest, Ulster Bank, Coutts, Adam & Co, Child & Co, Drummonds, Holt's, Military Banking, Isle of Man Bank and Lombard. which offer several products and services to individuals, business and institutional customers.
When you use their Reward credit card, you always get part of your spend back in Rewards. The average customer earns £83 of Rewards a year. There's no limit to the Rewards you can earn. so why not using Billhop to earn even more Rewards? Your payments through Billhop are considered just like any other online purchase and will add bonus points to the ones you have already collected. What are you waiting for? Go ahead and billhop!

Personal Credit Cards

Bank of Scotland offers a wide range of personal credit cards which can suit every consumers' needs, from its Platinum deals with 0% interest on purchases and balance transfers, to a basic credit card for students. You simply need to pick the card for you and start using it to pay your bills online via Billhop in order to take advantage of your card's full potential. Here a list of their credit cards:
  • The Royal Bank Credit Card -- no annual fee and balance transfers fees, as well as low rates on purchases
  • Reward Credit Card -- 1% Rewards in supermarkets and 0.5% at their petrol stations and elsewhere, between 1% and 15% in Rewards when you spend at selected MyRewards retailers and the annual fee is refunded if you have a Royal Bank of Scotland Reward current account
  • Reward Black Credit Card -- no foreign transaction fees, 1% Rewards in supermarkets and 0.5% at their petrol stations and elsewhere, and between 1% and 15% in Rewards when you spend at selected MyRewards retailers.

Debit and Charge Cards for Business

Business Debit card

The Business Debit card can be used by your business regardless if it is just starting up, looking to expand, or is well-established. The card facilitates business spending and can help reduce administrative costs involved in reconciling cash and personal card expenses.


OneCard is a charge card that you and your employees can use for all kinds of spending, all while your business is insured against employee misuse. The card comes with an annual cost of £45 per cardholder and an annual turnover of £2m or more is required to apply.

Credit Cards for Business

RBS credit cards allow you to manage your credit card spending through their mobile app, and with their online service Smart Data Online you can create reports integrable with accountancy software.

Business credit card

If you own a business with a turnover up to £2m you are eligible for the RBS Business credit card. The card has no annual card fee for the first year, nor for the following years if you spend £6,000 or more annually. The Business credit card allows you to make payments easily, separate business and personal spending, and access short term funding. The card allows you to specify spending limits and, provided you have paid your balance in full and on time, you can benefit from 56 days' interest-free credit.

Business Plus credit card

The Business Plus credit card rewards you for your day-to-day business spending. While the annual fee is £70 per cardholder, you benefit from a 0.5% cashback on all purchases, up to £400 annually. Moreover, Royal Bank of Scotland's online services lets you manage your cash flow, set alerts when you are starting to reach your credit limit, and view balance information up to 24 months prior. No foreign transaction fees apply. An annual turnover of under £2m is required to apply.
Read more about how to get started and pay your bills and invoices with Billhop.