Lost/Stolen Cards

IF A CARD IS AT ANY TIME LOST OR STOLEN, OR SUSPECTED OF HAVING BEEN LOST OR STOLEN, THE CARDHOLDER MUST INFORM ROYAL BANK OF SCOTLAND IMMEDIATELY SO THAT STEPS CAN BE TAKEN TO MINIMISE ANY LOSSES THROUGH FRAUDULENT USE OF THE CARD.

If this happens during working hours, the Cardholder must also inform their Card Officer and the Card Controller without delay. If it happens outside working hours, then, in addition to notifying Royal Bank of Scotland immediately, the Cardholder must also report the incident as soon as possible the next working day to their Card Officer and to the Card Controller. The Cardholder will have to complete another application form and declaration form and a replacement Card will be issued as soon as possible.

Royal Bank of Scotland Contact Details

The details for Royal Bank of Scotland 24-hour Customer Service Centre are:

Commercial & Private Banking

1st Floor
280 Bishopsgate
London EC2M 4RB

 Telephone:  0870 909 3702 (24 hours a day - 7 days a week)

If a card which has been reported lost or stolen is subsequently found, it must not be used but should be cut in half. A card which is used fraudulently by someone who is not an authorised user, e.g. a lost or stolen card, will be blocked by Royal Bank of Scotland, provided that the Cardholder has reported the loss, or suspected loss, to Royal Bank of Scotland as soon as possible.

The notification to Royal Bank of Scotland of a card being used fraudulently will have to be followed up in writing with details of which transactions debited to the account, before it was blocked, were fraudulent. Royal Bank of Scotland may require the Cardholder to complete a standard form or other documentation for this purpose. Any transactions debited to the account after it has been blocked will be considered to be fraudulent. Royal Bank of Scotland will credit the account with the cost of any transactions deemed to be fraudulent.