What Royal Bank of Scotland has shown on monitored routes
A win requires a completed, non-promotional quote at the same sending amount. Converter rates and modelled bank prices remain useful evidence, though neither is allowed to wear the winner's badge.
Where Royal Bank of Scotland makes sense
- Best for
- Existing RBS customers who value account integration.
- Less suitable for
- A rate-first transfer where a specialist account is practical.
- Where the rate cost sits
- Customer exchange rate shown during the international payment flow.
- What the fee tells you
- Route and payment-option dependent, with possible intermediary deductions.
- Delivery
- Bank transfer through the available local or Swift route.
- Access
- RBS personal and business banking products.
How Royal Bank of Scotland's quote can flatter or disappoint
RBS should be judged using the same method as NatWest: record the bank's live recipient amount, then request a specialist quote before the market moves.
The bank may be convenient for a regulated supplier or property payment, but convenience has a measurable price. The exchange-rate difference usually matters more than the transfer fee.
Indicative comparison data remains labelled and cannot beat a verified public offer on this site.
Where it works well
- Existing banking relationship
- Payment records and account controls
- Mainstream international bank access
Where the value thins out
- Rate is not fully public
- Embedded FX cost
- Limited payout choice
The latest Royal Bank of Scotland figures we can reproduce
Each row is the newest record for that route. The receipt shows the provider screen or calculation behind it, including the time we saw it.
| Route | Sent | Visible fee | Amount delivered | Against the best completed quote | Receipt |
|---|---|---|---|---|---|
| United Kingdom → Hong Kongbank transfer · bank deposit | £200.00 | £0.00 | HK$2,064.06Rate 10.320314 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → Indiabank transfer · bank deposit | £200.00 | £0.00 | ₹25,094Rate 125.469996 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → United Arab Emiratesbank transfer · bank deposit | £200.00 | £0.00 | AED 966.33Rate 4.831631 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → South Africabank transfer · bank deposit | £200.00 | £0.00 | ZAR 4,331.97Rate 21.659856 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → Singaporebank transfer · bank deposit | £200.00 | £0.00 | SGD 337.08Rate 1.685397 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → Polandbank transfer · bank deposit | £200.00 | £0.00 | PLN 983.82Rate 4.91911 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → United Statesbank transfer · bank deposit | £200.00 | £0.00 | US$263.10Rate 1.315485 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → Canadabank transfer · bank deposit | £200.00 | £0.00 | CA$368.73Rate 1.843661 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → Australiabank transfer · bank deposit | £200.00 | £0.00 | A$373.87Rate 1.86936 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → Switzerlandbank transfer · bank deposit | £200.00 | £0.00 | CHF 211.95Rate 1.059746 | Calculator evidence | Open receipt31 Jul 2026, 07:30 UTC |
| United Kingdom → New Zealandbank transfer · bank deposit | £200.00 | £0.00 | NZ$447.21Rate 2.23607 | Calculator evidence | Open receipt31 Jul 2026, 05:30 UTC |
| United Kingdom → Francebank transfer · bank deposit | £200.00 | £0.00 | €228.12Rate 1.140597 | Calculator evidence | Open receipt31 Jul 2026, 05:30 UTC |
| United Kingdom → Germanybank transfer · bank deposit | £200.00 | £0.00 | €228.12Rate 1.140597 | Calculator evidence | Open receipt31 Jul 2026, 05:30 UTC |
| United Kingdom → Irelandbank transfer · bank deposit | £200.00 | £0.00 | €228.12Rate 1.140597 | Calculator evidence | Open receipt31 Jul 2026, 05:30 UTC |
| United Kingdom → Italybank transfer · bank deposit | £200.00 | £0.00 | €228.12Rate 1.140597 | Calculator evidence | Open receipt31 Jul 2026, 05:30 UTC |
| United Kingdom → Netherlandsbank transfer · bank deposit | £200.00 | £0.00 | €228.12Rate 1.140597 | Calculator evidence | Open receipt31 Jul 2026, 05:30 UTC |
| United Kingdom → Portugalbank transfer · bank deposit | £200.00 | £0.00 | €228.12Rate 1.140597 | Calculator evidence | Open receipt31 Jul 2026, 05:30 UTC |
| United Kingdom → Spainbank transfer · bank deposit | £200.00 | £0.00 | €228.12Rate 1.140597 | Calculator evidence | Open receipt31 Jul 2026, 05:30 UTC |
What to price beside Royal Bank of Scotland
NatWest is easy for an existing current-account customer. The exchange rate usually costs more than the visible transfer charge, so convenience should be priced rather than assumed free.
Read the NatWest rate review →Wise remains the cleanest yardstick for an ordinary bank transfer. It uses the mid-market rate and places its charge in view, so there is less detective work between the advertised rate and the amount delivered.
Read the Wise rate review →Starling is unusually straight with UK customers: a 0.4% conversion charge sits beside the delivery fee. That does not always make it cheapest, but it does spare customers the usual bank-rate archaeology.
Read the Starling Bank rate review →Royal Bank of Scotland's own pricing documents
These pages describe the published terms. The corridor table is gathered separately, so a provider's explanation never substitutes for the quote it gives us.
- International paymentsRoyal Bank of Scotland