Royal Bank Of Scotland Email Virus

Also Known As: Royal Bank Of Scotland service charge virus
Type: Trojan
Damage level: Severe

Royal Bank of Scotland Email Virus removal guide

What is Royal Bank of Scotland Email Virus?

"Royal Bank of Scotland Email Virus" is a spam email campaign similar to Danske Bank Email Virus, Chase Bank Important Account Documents Email Virus, and many others. Cyber criminals use this campaign to proliferate a high-risk trojan called TrickBot. Cyber criminals send thousands of emails by presenting them as payment notifications from Royal Bank of Scotland. These emails contain a message encouraging users to open attached documents for detailed information regarding the payment, however, this leads to infiltration of the TrickBot virus.

Royal Bank of Scotland Email Virus malware

As mentioned above, cyber criminals send messages stating that users must pay many thousands of British Pounds. They are supposedly sent by an employee of the Royal Bank of Scotland, however, this bank is legitimate and has nothing to do with this spam campaign. Cyber criminals often hide behind names of popular companies or governmental agencies. They do this to increasing the number of infections - users are much more likely to open files received from familiar names. TrickBot is an information-tracking trojan, since it hijacks browsers and modifies visited website content so that entered login information (usernames/passwords) are saved on a remote server controlled by cyber criminals. These people might gain access to users' personal bank accounts, social networks, etc. and misuse them to generate revenue (via money transfers, online purchases, etc.). Therefore, the presence of an information-tracking such as TrickBot might lead to significant financial loss and even identity theft. If you have recently opened attachments distributed using the "Royal Bank of Scotland Email Virus" campaign, there is a high probability that your computer is infected. Therefore, immediately scan it with a legitimate anti-virus/anti-spyware suite and eliminate all detected threats.

Threat Summary:
NameRoyal Bank Of Scotland service charge virus
Threat TypeTrojan, Password stealing virus, Banking malware, Spyware
SymptomsTrojans are designed to stealthily infiltrate victim's computer and remain silent thus no particular symptoms are clearly visible on an infected machine.
Distribution methodsInfected email attachments, malicious online advertisements, social engineering, software cracks.
DamageStolen banking information, passwords, identity theft, victim's computer added to a botnet.
Malware Removal (Windows)

To eliminate possible malware infections, scan your computer with legitimate antivirus software. Our security researchers recommend using Combo Cleaner.
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There are dozens of trojan-type viruses distributed using spam email campaigns including, for example, Adwind, FormBook, and Emotet. Their behavior might be different (some record information, others proliferate other viruses, etc.), however, all pose a significant threat to your privacy and computer safety.

How did Royal Bank of Scotland Email Virus infect my computer?

As mentioned above, "Royal Bank of Scotland Email Virus" campaign proliferates a malicious Microsoft Office document that, once opened, asks victims to enable macro commands. In doing so, users inadvertently grant attachments permission to execute commands that download and install TrickBot onto the system. This malware distribution method is simple and effective, however, it is not flawless. Be aware that attachments are only able to infect systems if opened with Microsoft Office tools - opening the .doc file using applications other than Microsoft Word will not result in malware download. Furthermore, TrickBot can only operate on the Windows platform and users of other operating systems are safe.

How to avoid installation of malware?

Lack of knowledge and careless behavior are the main reasons for computer infections. Caution is the key to safety. Therefore, pay close attention when browsing the Internet. Carefully analyze each email attachment received. Irrelevant files and those received from suspicious email addresses should never be opened. Furthermore, use a legitimate anti-virus/anti-spyware suite, since they detect and eliminate infectious files before they perform any malicious actions. In addition, more recent versions (2010 and above) of Microsoft Office open newly-downloaded documents in "Protected View" mode, thus preventing these files from downloading/installing malware. Therefore, using older versions of MS Office is risky. If you have already opened a "Royal Bank of Scotland Email Virus" attachment, we recommend running a scan with Combo Cleaner Antivirus for Windows to automatically eliminate infiltrated malware.

Text presented in the "Royal Bank of Scotland Email Virus" email message:

Subject: Advice of Service Charge

Advice of Service Charge for the period -

The Service Charge accrued on your account is £42,243.52.
This amount will be deducted from your account on -
Basis of Charge
The charge is calculated as a pro rata fee (at £14.081.17 per month)
Service Charge to be applied: -£42,243.52

We have identified a bank systems error, which has regrettably altered the quarterly service charge you currently pay. You might have recently received a Service Charge Advice indicating a substantially higher quarterly fee and we would like to offer our sincere apologies if this is the case.

This problem has been rectified and the amount indicated on the advice will not be debited to your bank account. I would like to stress that the problem is in no way your fault and is purely due to a technical problem within The Royal Bank of Scotland plc.


Once again please accept my apologies for any inconvenience caused by this technical problem.


Evangeline Mirk
Level II Senior Officer
Commercial Banking, Royal Bank of Scotland plc

CONFIDENTIALITY NOTICE:The contents of this email message and any attachments are intended solely for the addressee(s)and may contain confidential and/or privileged information and may be legally protected from disclosure. If you are not the recipient of this message or their agent, or if this message has been addressed to you in error, please immediately alert the sender by reply email and then delete this message and any attachments. If you are not the recipient, you are hereby notified that any use, dissemination, copying, or storage of this message or its attachments is strictly prohibited.

Malicious attachment distributed via "Royal Bank of Scotland Email Virus" spam campaign:

Malicious attachment distributed through Royal Bank of Scotland Email Virus spam campaign

Instant automatic malware removal: Manual threat removal might be a lengthy and complicated process that requires advanced computer skills. Combo Cleaner is a professional automatic malware removal tool that is recommended to get rid of malware. Download it by clicking the button below:
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How to remove malware manually?

Manual malware removal is a complicated task - usually it is best to allow antivirus or anti-malware programs to do this automatically. To remove this malware we recommend using Combo Cleaner Antivirus for Windows. If you wish to remove malware manually, the first step is to identify the name of the malware that you are trying to remove. Here is an example of a suspicious program running on a user's computer:

malicious process running on user's computer sample

If you checked the list of programs running on your computer, for example using task manager, and identified a program that looks suspicious, you should continue with these steps:

manual malware removal step 1 Download a program called Autoruns. This program shows auto-start applications, Registry, and file system locations:

screenshot of autoruns application

manual malware removal step 2Restart your computer into Safe Mode:

Windows XP and Windows 7 users: Start your computer in Safe Mode. Click Start, click Shut Down, click Restart, click OK. During your computer start process, press the F8 key on your keyboard multiple times until you see the Windows Advanced Option menu, and then select Safe Mode with Networking from the list.

Safe Mode with Networking

Video showing how to start Windows 7 in "Safe Mode with Networking":

Windows 8 users: Start Windows 8 is Safe Mode with Networking - Go to Windows 8 Start Screen, type Advanced, in the search results select Settings. Click Advanced startup options, in the opened "General PC Settings" window, select Advanced startup. Click the "Restart now" button. Your computer will now restart into the "Advanced Startup options menu". Click the "Troubleshoot" button, and then click the "Advanced options" button. In the advanced option screen, click "Startup settings". Click the "Restart" button. Your PC will restart into the Startup Settings screen. Press F5 to boot in Safe Mode with Networking.

Windows 8 Safe Mode with networking

Video showing how to start Windows 8 in "Safe Mode with Networking":

Windows 10 users: Click the Windows logo and select the Power icon. In the opened menu click "Restart" while holding "Shift" button on your keyboard. In the "choose an option" window click on the "Troubleshoot", next select "Advanced options". In the advanced options menu select "Startup Settings" and click on the "Restart" button. In the following window you should click the "F5" button on your keyboard. This will restart your operating system in safe mode with networking.

windows 10 safe mode with networking

Video showing how to start Windows 10 in "Safe Mode with Networking":


manual malware removal step 3Extract the downloaded archive and run the Autoruns.exe file.

extract autoruns.zip and run autoruns.exe

manual malware removal step 4In the Autoruns application, click "Options" at the top and uncheck the "Hide Empty Locations" and "Hide Windows Entries" options. After this procedure, click the "Refresh" icon.

Click 'Options' at the top and uncheck 'Hide Empty Locations' and 'Hide Windows Entries' options

manual malware removal step 5Check the list provided by the Autoruns application and locate the malware file that you want to eliminate.

You should write down its full path and name. Note that some malware hides process names under legitimate Windows process names. At this stage, it is very important to avoid removing system files. After you locate the suspicious program you wish to remove, right click your mouse over its name and choose "Delete".

locate the malware file you want to remove

After removing the malware through the Autoruns application (this ensures that the malware will not run automatically on the next system startup), you should search for the malware name on your computer. Be sure to enable hidden files and folders before proceeding. If you find the filename of the malware, remove it.

searching for malware file on your computer

Reboot your computer in normal mode. Following these steps should remove any malware from your computer. Note that manual threat removal requires advanced computer skills. If you do not have these skills, leave malware removal to antivirus and anti-malware programs. These steps might not work with advanced malware infections. As always it is best to prevent infection than try to remove malware later. To keep your computer safe, install the latest operating system updates and use antivirus software.

To be sure your computer is free of malware infections, we recommend scanning it with Combo Cleaner Antivirus for Windows.

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About the author:

Tomas Meskauskas

Tomas Meskauskas - expert security researcher, professional malware analyst.

I am passionate about computer security and technology. I have an experience of over 10 years working in various companies related to computer technical issue solving and Internet security. I have been working as an author and editor for pcrisk.com since 2010. Follow me on Twitter and LinkedIn to stay informed about the latest online security threats. Contact Tomas Meskauskas.

PCrisk security portal is brought by a company RCS LT. Joined forces of security researchers help educate computer users about the latest online security threats. More information about the company RCS LT.

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Malware activity

Global malware activity level today:

Medium threat activity

Increased attack rate of infections detected within the last 24 hours.

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