rbs revolve - royal bank of scotland account information remember to keep this page safe and don’t...

RBS Revolve

All you need to manage your account

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Generated at: Mon Jul 9 16:17:30 2012

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This guide gives you information about your Revolve account and how to make the most of your money.

Your cash

Earn interest on the money in your account.

1

Welcome to your RBS Revolve account

Make your card your own

A Visa Debit card that you can use online

and in shops, plus you can design the

look of your card for just £5. Funk up your

Revolve card to make it the one to flash.Choose your rewards

Access the Revolve website

rbs.co.uk/revolve to earn extra cash by

giving your views, check out top tips on

how to manage your money and find

out more information on the discounts

available to you.

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Your account information

Remember to keep this page safe and don’t share your account details with anyone.

Below is a handy way to keep a note of your account details.

Sort code:

Branch name:

Branch address:

Branch postcode:

Branch phone number:

2

Account number:

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Index

Introducing RBS Revolve

2 Your account information

3 Index

How it works – the basics

4 Paying money in

6 When will my money be available?

7 Earning interest

8 Where to get your cash

9 How to use a cash machine

11 Top-up your mobile

12 Using your Visa Debit card

14 Understanding your statement

Extra Services

15 RBS Revolve website

16 Internet and telephone banking

18 Mobile Text Alerts

Good to know

19 Your Visa Debit card explained

20 What happens when I reach 18?

Important numbers

20 Useful info

21 Jargon Buster

3

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How to pay in your money

4

Whether your cash is from wages or pocket money, you’ll want to keep it safe. That’s the whole

point of your account.

How to let someone pay money in on your behalf. To do this you would need to provide the payee with your sort code and account number

so they can pay money into your account.

You can also pay cheques or cash into your account in a number of ways:

When you make a deposit, you may need to complete a pre-printed paying-in slip. They’re

straightforward to complete and act as a record for you and us. If you’re doing this for the first

time and need some help, just ask a member of staff at your branch.

To find your local branch go to rbs.co.uk/branch-locator

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5

1 Cash and Deposit Machines (CDMs)

To help make it easier to bank with us, we’ve put Cash and Deposit Machines into certain

branches. They’re as simple to use as a normal cash machine – just follow the on-screen

prompts or ask one of our team to show you how.

Pay in cash – (up to 50 bank notes) in a single transaction

Get an ‘image receipt’ – an accurate record of your transaction with an image of each cheque

or pay-in slip you deposit and a detailed breakdown of the deposit

2 At a branch

If you have cash to pay in, it might be easier to come into a branch. You can pay in cash or

cheques at any RBS branch.

that’s it done

Our branches are normally open Monday to Friday, 9.15am to 4.45pm (9.45am on Wednesday).

Many of our branches have extended opening hours during the week and open on Saturday from

9.30am to 1pm. Please log on to rbs.co.uk/branch-locator to check details of your local branch.

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6

When will my money be available?

If you’ve paid cash into your account:

As long as you paid it in at an RBS branch before 3.30pm on a working weekday, you should be

able to withdraw your money from a cash machine or spend it using your card on the next day.

If you’ve paid cheques into your account:

Cheques have to be cleared before you can spend the money. This just means we have to get the

payment from the account of the person who wrote the cheque. How long this takes can vary

– but as a general guide, look at the table below (if you paid in at a cash machine, you should

allow an extra day for processing).

You should allow at least four working days before you use the money from a cheque paid in.

Sometimes, because cheques may come back unpaid after this time, it may take up to five

working days for a cheque to clear.

Cheques paid in

before 3.30pm on

You can spend

money on

Monday Friday

Tuesday Monday

Wednesday Tuesday

Thursday Wednesday

Friday Thursday

Saturday Friday

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7

Earn interest on your moneyThe cash you put into your account immediately starts earning you interest every day.

It’s added to your account for you to keep every month.

For details of our current interest rates, have a look in any of our branches or read our leaflet

‘Personal & Private Current Account Fees & Interest Rates’.

How exactly does interest work?

Interest is the money we pay you for keeping your money in your RBS account.

It is worked out as a percentage of the money you have in your account – so the more money you

have (and the longer you keep it in you account), the more interest you get.

We pay interest on cash immediately, and on cheques from the third working day. For example,

if you pay a cheque in on Monday, we will pay you interest from Wednesday.

Interest you receive

Credit Interest is earned on cleared money in your account. Interest is calculated on a daily

basis and paid into your account once a month.

We’ll pay you ‘net’ interest every month (having taken off income tax at the going rate).

If you do not pay tax, you should either:

‘Net’ is the interest rate paid after the deduction of tax.

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8

Getting your hands on your cashYou can take money out of your account any time you need it with your Visa Debit card.

find them at certain supermarkets and railway stations

out your cash. If you don’t want to pay the fee, just cancel your transaction.

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Important

Always check there’s enough in your account to cover the amount you want before you

try to take out cash.

If you use a NatWest or RBS cash machine, just follow the straightforward on screen instructions

and you should be able to carry out the following using your Visa Debit card and PIN:

– Change your PIN number

– Top-up your pay-as-you-go mobile phone

– Pay in cash and cheques, and pay bills at our cash machines

9

How to use a cash machine Using cash machines is easy – and they do much more than just give out cash.

What’s a PIN?

Each time you insert your Visa Debit card into the cash machine, the first thing the screen

will ask you to do is type in your PIN. PIN means Personal Identification Number.

You will have been given one when you were sent your Visa Debit card. This four number

code allows you to use your Visa Debit card to withdraw money from cash machines.

Because no one else knows your PIN, no one else can withdraw money from your account.

So never tell anyone your PIN!

To find your nearest cash machine go to rbs.co.uk/cashmachines

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10

Cash Withdrawal tipsStep 1 – Insert your card in the direction shown on the screen

happens, you’ll need to speak to your branch

Step 2 – Now enter your PIN

three times, your card will be held in the cash machine and you will not be able to use it.

Please contact your branch if this happens

Yes – but it must be to another four number code. You can change it at any RBS or NatWest

cash machine at any time. Select ‘Account services’ from the ‘Please select a service’

screen and then follow the simple on-screen instructions

Step 3 – Now choose how much money you want

choose the ‘Withdraw cash with receipt’ option

in exactly the sum you want, subject to your daily limit and enough money is in your

account. Always check you’ve keyed in the right amount and not added on an extra zero!

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11

Top-up your mobileRBS Revolve customers can top-up their pre-pay mobile phones at any of our cash machines.

It’s quick, convenient and, above all, secure. It’s also very easy. There’s no registration process and

the whole thing takes less than a minute. But make sure you have enough money in your account

before you start.

Just follow these five easy steps:

Step 1 – Insert your card as usual in the cash machine and enter your PIN

Step 2 – Select ‘Mobile phone top-up’ from the menu

Step 3 – Select which phone network you belong to

Step 4 – Choose the amount you wish to top-up your phone with

Step 5 – Enter your mobile phone number on the keypad and confirm. You will be asked to enter

your mobile number for a second time, this is to make sure you have keyed it in correctly.

Once you have completed the steps and as long as you have enough money in your account, the

top-up will be instant.

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12

Spending your cashYou can use your Visa Debit card to pay for small everyday essentials as well as larger more

expensive items.

Before you hit the shops

Sign the back of your card as soon as you receive it. It’s also a good idea to visit a cash machine

and check your balance. (The ‘How to use a cash machine’ section on page 9 explains what to do.)

But remember that very recent deposits or withdrawals might not yet show up on your balance.

If you try to spend more money than you’ve got in your account, the shop has to reject your card.

When you’re in the shop

1) Give the shop assistant your card when you want to pay for something

2) The assistant may pass your card through the machine or ask you to place it on the

card reader

3) You will then be asked to key in your 4-digit PIN into a special keypad

4) Check the amount carefully before you key in your PIN

5) The PIN you entered will be checked for approval. This is done so only you can use

your Visa Debit card to pay for things. The amount will be deducted from your account.

Allow a few days for the transaction to show up on your statement

It’s a good idea to always keep your receipt, so you know what you have spent.

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13

Spending abroadWhen you’re abroad you can use your Visa Debit card to pay for things and withdraw cash where you see the Visa sign.

How much money can I take out at a cash machine?

With RBS Revolve, you can withdraw up to £250 per day at a cash machine, but obviously not

if you have less than this in your account. It’s a good idea to always leave some money in your

account just to be on the safe side.

It’s important to know that when you use your card abroad, certain charges will apply.

For full details, please ask your local branch for a copy of Personal & Private Current Account

Fees & Interest Rates.

.

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14

2

3

4

6

Your statement

Also, look out for the amount of interest you are earning.

Always check your transactions carefully to make sure nothing’s wrong.

Find details of our online and telephone banking system on the back

(you need to be aged 11 or over to use this service).

What to look for:

1. Your new balance as of the date of this statement

2. Date of transaction – exactly when the money went in or out of your account

3. Amounts taken out of your account

4. Amounts paid into your account

5. Your account details

6. Type of transaction

7. Statement sheet number

Sort CodeStatement ofAccount for

Account No Page

Glasgow Cathcart Branch2 Clarkson RoadGlasgowG44 4EQ

0141 633 3787 Your Branch

0845 900 5960 Textphone Number

ADV

BAC

BGC

‡CHG C / L D / D

DIV DR

IBP

‡INT ITL LST NDC

POS

S / O

SBT

TSU o r DPC

Separate AdviceAutomated Pay InBank GiroPay InChargesCashlineDirectDebitDividendAccountOverdrawnInter-BranchPaymentInterestInternationallistof ItemsNo DividendCounterfoilSwitch/MaestroStandingOrderFundsTransferDirectBankingTransaction -Tel. or PC

-

-

-

---

--

------

-

-

-

-

Fu l l de ta i lsava i lab le onrequest .

‡

CARD USERSIf your card islost or stolenpleas contactyour branchas soon asreasonablypracticableor telephone:08750 13 35 50

Particulars Withdrawn Paid In Balance

Lists Total Withdrawn Total Paid In Balance

16 Aug 1999

17 Aug

31 Aug

16 Sep

27 Sep

30 Sep

4 Oct

Brought forward

from sheet number 5

Credit 000008

Transfer P&J Hamilton

Credit 000009

Debit Cash

Interest GROSS INTEREST

earned 30 Jun - 20 Sep

Debit Attwood House

Credit 000010

AS AT 5 OCT 1999

20.97

20.00

30.00

2.95

20.00

5.00

5.00

50.00

70.97

90.97

120.97

115.97

118.92

113.92

133.92

7

5

1

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15

Check out the website –

Save the RBS Revolve website to your favourites for loads of special offers, rewards and other

good stuff.

Here’s what you get once you’ve registered:

from our library

rbs.co.uk/revolve for information on discounts available

to you plus it gives you tips on how to manage your money

15

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Things you can do with Digital Banking – visit rbs.co.uk

Digital Banking gives you the freedom to manage your money, at any time. Here’s a brief summary of the sort of things you can do:

16

Internet and telephone bankingEveryone’s busy these days. So it’s not always easy to visit a branch or manage your bank

account if you’re at school or work.

That’s why, if you’re aged 11 or over, you can log on to Digital Banking and access your account

over the internet. You can also access your account by phone through our telephone banking

service, Direct Banking.

Both services are designed to work as simply as possible to make it easier for you.

Digital Banking – our internet banking service

Help whenever you need it

You can call our Customer Helpdesk 24 hours a day, 365 days a year on 0845 600 8212. Minicom users please call 0845 900 5960. Customers can call +44 131 317 4597 from overseas. Call costs from other countries may vary. Calls may be recorded.

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17

Direct Banking – our telephone banking serviceOnce you have set up your security details including a PIN and password for Digital Banking

you can then automatically start to use Direct banking, our telephone banking service, as well.

It’s available 24 hours a day, seven days a week. And it can help you manage your bank account

over the phone when you don’t have access to a PC.

How to use Direct Banking – it’s simple

All you need to do to access the Direct Banking service over the phone is:

from your password

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18

Text Alerts for your mobile Would you like to know when your weekly cash has reached your account or

when you have enough money to buy that computer game you’ve been saving

up for? Well now you can.

With RBS, you can get free text alerts sent straight to your mobile phone –

helping you keep track of your bank account. There are two great services you

can choose to receive:

Balance updates – we’ll send your account balance (from the previous day) to

your mobile phone once a week, on a day and time that suits you. You could for

instance receive an update each Friday, so that you know how much you have to spend over

the weekend.

Limit alerts – a text when your account hits limits set by you. Why not use these to confirm

when you’ve been paid?

It’s really easy to register – go to rbs.co.uk/mobile for details.

savings account. We won’t charge you for using our Alerts Service. However, your network operator

may charge you for receiving a text alert from us or for sending a mobile text message to us.

If you are receiving or sending mobile text messages whilst overseas, network overseas charges

may apply. You should check with your network operator for details.

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PAN number This is the long number on the front of your card that you’ll

need to quote when you pay for goods by phone, post, or on

the internet

Visa You can use your card as a point of sale card to pay for goods

and services wherever you see the Visa logo. Just hand over

your card and key in your PIN number. Remember to check how

much is in your account before you go spending! You can also use

your card abroad just as you do at home, just look out for the Visa

logo. Fees may apply

Valid from This is the date you can start using the card

Expires end This is the date your card expires

Security Code This is the 3 digit number on the reverse of your card

Your Cashcard

If you lose your card

If you lose any RBS card – or have it

stolen – act quickly to prevent anyone

else using it.

0870 600 0459 as soon as you can.

The number to call from abroad is

+44 1268 500 813. We’ll then arrange

to send you a replacement card. Call

costs from other countries may vary.

Minicom users please call 0800 404 6160.

Calls may be recorded.

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What happens when I reach 18?When you hit 18, your RBS Revolve account will change to one that will work even better for you.

We will let you know before we do this. We’ll change it automatically to a Student account or one

of our other current accounts, so you won’t need to do anything except take advantage of the

features of your new account.

Useful info

Lost your card?

If you lose any RBS card – or have it stolen – act quickly to prevent anyone else using it. Call

0870 600 0459. The number to call from abroad

is +44 1268 500 813. We can then arrange to send you a replacement card. Call costs from other

countries may vary. Minicom users please call 0800 404 6160. Calls may be recorded.

Contact your branch

By phone. Just call your branch any time between 9.15am and 4.45pm, Monday to Friday

(9.45am on Wednesday). Or call 0808 100 0808. Minicom users please call 0800 404 6160.

Calls may be recorded.

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Clearing, as in ‘clearing a cheque’

The process of turning a cheque into

actual money in your account.

When you pay in a cheque, the bank has

to get the money from the account of

whoever wrote the cheque and transfer

it to your account.

Jargon busterAccount payee

The words that ‘cross’ a cheque.

They protect against fraud by only

allowing the cheque to be paid into

the account of the person or business

spelt out on the top line of the cheque.

Bank charges

Fees that a bank may charge for certain

services, like cashing cheques and

overdrawn accounts.

Banker’s draft

A special type of cheque provided by

RBS that guarantees payment to the

person whose name is on it. We’ll check

that you have sufficient funds in your

account before we issue a banker’s draft

on your behalf and we will then debit

the funds from your account.

Credit balance

The amount of money you currently

have in your account.

Chip and PIN

Chip and PIN helps safeguard you against

fraud. You will be asked to place your card

in a card reader and key in your 4-digit

PIN into a special keypad.

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22

Mini-statement

A statement that is printed out instantly

by an RBS cash machine on request,

giving you details of the last six

transactions in and out of your account.

Debit

The opposite of credit – the money taken

away from your account.

Current account

A straightforward personal bank account

– like your RBS Revolve account – which

looks after your money safely for you, lets

you withdraw cash when you need it and

provides you with basic banking services.

Interest

Interest is worked out as a percentage of

the amount of money you have in your

account, so the more money you have in

your account – and the longer you keep it

in there – the more interest you get. Interest

is automatically added to your account.

Gross interest

An amount of money – such as interest

you’ve earned on your money – before tax

is deducted from it (see also ‘net’ below).

Net interest

Interest you’ve earned on your money

– after tax has been taken (see ‘gross

interest’ above).

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23

Transaction

Any activity (like using your Visa Debit

card, making a deposit, etc.) that means

that money has either come into, or gone

out of, your account.

Standing Order

A method of paying regular amounts

from your bank account automatically.

It can be cancelled by the account holder

at any time.

Statement

A list of all the payments that have gone

out of the account and all the deposits

paid into it, with full details and dates.

Statements are posted to customers

regularly.

Special cheque clearance

A cheque is sent by first class post to the

whether the cheque has been paid.

Visa Debit Card

A card which allows you to use it to pay

for goods and services, at home and

abroad wherever the Visa logo is displayed.

After the PIN is entered, the money is

automatically taken out of your bank

account.

PIN

Stands for Personal Identification Number.

It is a four number code known only to

you – so only you can use it to access

cash machines or telephone banking

services and pay for goods in shops

where the Visa logo is displayed.

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Direct Debit

An instruction to your bank to release

money from your account to pay bills

and other amounts automatically.

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Important Information: Terms and Conditions apply – for more details, please read RBS Personal & Private

Current Account Terms and Terms and Conditions of Revolve Benefits and Rewards.

The Royal Bank of Scotland plc. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB.Registered in Scotland. No. 90312.www.rbs.co.uk

RBS05997 4 July 2012

For more information on your Revolve account:

Call us on 0808 100 0808 Customers with hearing and speech impairments can contact us by Minicom number 0800 404 6160

Visit rbs.co.uk/revolve Calls may be recorded.

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rbs revolve - royal bank of scotland account information remember to keep this page safe and don’t...

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