Is there a need for an account to be linked to RTGS for transactions?

Yes, you need to have a bank account to use RTGS. The account must be linked to the RTGS system for you to be able to initiate RTGS transactions. This means that you need to have an account with a bank that is part of the RTGS system and your account needs to be enabled for RTGS transactions. Typically, banks have a separate form that needs to be filled out to enable RTGS transactions on your account.