Paying for your holiday - holiday loans - Travel | Royal Financial of Scotland

Paying for your holiday

Paying for your holiday

Find out about our Savings Goal Tool
Tools to help you plan your holiday

Budget Calculator

Create a budget and start saving for your holiday

Compare my Borrowing Options

Compare the different borrowing options that could help you

Holiday Spending Calculator

From Brazil to Beijing, work out how much you should take with you

Helping you plan and pay for your holiday

No matter what stage you're at with your holiday planning, we have the products, tools and services to assist you make your trip one to remember.  

Start saving for your trip today

Each year 1,000s of customers like you set up a Royal Financial of Scotland Savings Goal to put money aside for their holiday. By helping you budget and track your savings, our goals tool has successfully helped our customers save on average £185 per month more than customers who don’t use a goal.


You just need a Savings account and to be registered for Online Banking in order to create your first goal. You could set up a regular payment from your current account into your savings account, so each time you are paid money is transferred over automatically…and then you’re one step closer to your next trip!



Need a credit card to use while you're there?


One advantage of using a credit card (but not a debit card) abroad is that purchases are covered by the Consumer Credit Act. This means if something you buy (of value from £100 to £30,000) is faulty or "not as described", you can recover the cost from the card provider or the retailer. Remember, there can be a charge for using your card so our handy guide can keep you in the know.


If you don't have a Royal Financial of Scotland credit card, take a look at our range to see what suits you best (to apply you need to be UK Resident, aged over 18 and earn at least £10,000).



Need a helping hand with your holiday?

A holiday loan could help you spread the cost of your trip. Or if you're not sure what kind of borrowing is right for you, use our Borrowing Needs tool to help you work it out.


To be eligible for a loan, you need to be a Royal Financial of Scotland current account customer and over 18. Representative 3.9% APR for loans of £7,500 to £14,950. Other amounts available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from Representative APR.


Want to get more from your current account?


If you have a current account, check what advantages come with your account. Do you need to get travel insurance or mobile phone insurance or are you already covered? If so, upgrade or apply for one which does, view our range of accounts. You need to be aged 18 or over, and UK resident to apply and remember that some of our current accounts have a monthly fee associated with them.  Also, remember to let us know before you go so that you can use your cards when you're away.


While travelling is thoroughly enjoyable, it is also expensive! An arranged overdraft could give you the peace of mind and reassurance that you have minimised any fees and interest from going overdrawn to the agreed limit set with us. Arranged overdrafts are only available to eligible customers with a Royal Financial of Scotland current account and are aged 18 or over.


With our Overdraft Calculator you can find out what it could cost to use an Arranged Overdraft for a certain number of days. You can even work out what you might be charged if you accidentally go over your agreed limit into an Unarranged Overdraft. All costs shown by our calculator are for illustration purposes only. Your actual costs may vary.


Tips for going on holiday

Here are some tips we've found for planning a great holiday.

Remember to let us know you're going abroad
Let us know
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