Royal Bank of Scotland

The Royal Bank of Scotland plc

Phone: +44 131 549 8888,+44 118 963 9698,+44 8457 121 121
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Act Now Alerts

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Description
Act Now Alerts can help you stay in control and minimise or even avoid fees for unarranged overdrafts and returned items. They specify the time by which you should pay money into your account which is immediately available to use to cover your current payments and/or to bring your account back into credit or within any arranged overdraft limit.

There are some easy ways for you to pay money into your account which is immediately available to use (once you've checked your balance):

transfer money from another RBS account, for example via online or telephone banking or in branch; or
pay in cash over the counter at any RBS branch.

If you sign up for Act Now Alerts we will send you a text, email or both, to warn you if:
-you don't have enough money in your account to cover a payment you have requested (eg Direct Debit) and we're going to return it unpaid and charge you a fee – unless you pay money into your account which is immediately available to use.
-you don't have enough money in your account to cover a payment you have requested or falls due, and we’re going to pay it, creating an unarranged overdraft and charge you a fee – unless you pay money into your account which is immediately available to use by the specified time.
-you're already using an unarranged overdraft and we were not able to send you an alert in advance (eg if you make a payment with your debit card on a train or plane where it is not possible to check that there is enough money in your account. In these circumstances, you may have already incurred an Unarranged Overdraft Fee before we are able to send you an alert).
-you have been using an unarranged overdraft for five or more consecutive days.
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