Have a picture of Royal Bank of Scotland Internet Banking www.rbsdigital.co.uk?, please send it to us.
Picture courtesy of Stunt Gerbil.
| Ease of Use | 8.4/10  |
|---|---|
| Value for Money | 8.6/10 |
| Reviewer Rating | 8.1/10 |
| Overall Rating | 5.7/10  |
Full review by
bazzap
on 5th Apr 2008
User Rating : 7
Respect :
0
Good Points: Very simple and clearly laid out and easy to use. Speed Uptime All accounts (Current, ISA, Savings, Credit Card) in same format. Ability to rename account names to more friendly names. Easy to remember login.
Bad Points: Why does it show cancelled DDs and Standing orders for so long? Doesn't allow you to do everything (e.g. no ordering of new card PIN, no downgrade of account...etc) Always seems to be more screens than strictly necessary.
General comments: RBS is a pretty good on-line banking tool. It gives clear info, is nearly always fully up to date. I like the fact I get all my accounts in this one tool. I log in and use it a lot.
Uptime is very impressive - I've never not been able to log in and occasionally I see messages saying it'll be down from midnight Sunday until 4am Monday for maintenance - suits me I won't need it then!
Speed is also very good - always quick to log on and navigate.
Login is good and easy - a meaningful login id rather than an impossible to remember 10 digit random number like some groups. They're recently moved to a new login technology using a code generator calculator style piece of equipment but thankfully haven't made it mandatory (as I wouldn't be able to access website from work then unless I carried it with me). But it's there for the security minded.
While on the subject of security: it takes 1 username (which cannot be auto remembered by IE at least) and random digits from a passcode plus random letters from a password to logon (all of which you type rather than choose from a drop down like some websites, so technically I suppose it could be keylogged). It also tells you when you last logged on so that's useful, however there is no previous login history in the site. It also logs out after 10 mins (though you can disable this if you want). All in all the security suits me and it strikes a good balance between useability and feeling secure. More paranoid people may want some of the missing features I've suggested, but less compute literate my want less features.
There are a few niggles (e.g. showing old Direct Debits even if cancelled over a year ago) and some things that could be done better: 3 login screens seems excessive and that is a theme running though out the site. E.g. clicking on Standing Orders screen takes you to a very bare screen allowing you to choose whether to add a new Standing order, or vew current ones - why? There is a direct link to either screen but it all seems like it could be in one screen with a list of current Standing Orders with a "New Standing Order" button at the top?.
I would also say in general it could be improved a little to give a more complete banking experience - For example I've no idea of interest rates I'm getting/paying and have to go searching on a different site to see this (though this may be more reflective of RBS' poor rates so may be intentional. There's also been a few things I can't do on the site (recently I decided to downgrade from the premium service as I didn't think I was getting anywhere the value for what I was paying) but unsurprisingly they only allow you to upgrade. I also couldn't order a new PIN for my debit card (and can't change it). I would like to be able to contact an account manager for anything not on the site but the only contact details on the site are for IT support only (though there are other links to branches contact details). Finally there also have a new Bill Management Service which looks pretty useful (seems to be a cross bank initiative linked up to (mostly utility) companies at the mo and allows you to see upcoming and outstanding bills...etc). Again this is not integrated into the main site. Just feels to me like a little extra work could give a more complete experience.
They also used to have a slightly useful tool to predict you balance in X days/months/weeks time based on Direct Debits and Standing Orders but they took that away a while back for no real reason as far as I can see. Not a big loose but I used it occasionally.
Always login in with Internet Explorer so no idea how it works on other web browsers.
bazzap's review and ratings | 757 words
Review by
knightrider
on 10th Jan 2008
User Rating : 9
Respect :
0
Fantastic can go back into any bank records I need and print off. Royal Bank of Scotland Internet Banking is clear and easy to use and I have never had a problem yet after using every day for 2yrs at least. The security is good i never have to go into town now i've even had all bank statements stopped from being sent to me I just don't need them get a 6 monthly one when and if I need it lol very up to date clear and concise.
knightrider's full review | 116 words
Review by
suj786
on 3rd Oct 2007
User Rating : 10
Respect :
0
I would highly recommend using the RBOS Internet service. Like someone has mentioned already if you're having any problems you can call someone 24 hours a day, 7 days a week, 365 days a year, and you internet log in details are the same for telephone banking. Brilliant!
suj786's full review | 126 words
Review by
jackiecollins
on 5th Jan 2007
User Rating : 10
Respect :
0
The BIG PLUS POINT is that IF you have any issues, you call a phone number and get through to a real person (not in India) virtually straight away, and the Royal Bank of Scotland Internet Banking staff are always very helpful, and they have always provided an immediate answer.
jackiecollins's full review | 77 words
Review by
review1357642
on 30th Jun 2006
User Rating : 2
Respect :
0
The Royal Bank of Scotland Internet Banking website has clear screens and simple to use menus.
Log in could be more secure by having drop down selections to negate the use of key loggers. It should also be limited to one page rather than 4. The DD menu is really irritating - it always shows your DD, even ones cancelled from 2 to 3 years ago. I can't change my address or personal details online, and there is no secure messaging.
The website has real limitations. Egg for example has fantast ...
review1357642's full review | 155 words
Review by
WWG
on 20th Mar 2005
User Rating : 10
Respect :
0
7 years ago I took out a Virgin One Current Account morgage at 66% Loan to Value, with repayment of Interest Only as far as the RBOS are concerned. This is really just a great big loan facility to be used as I wish - no fixed mortgage per month, as long as I do not breach the loan facility ceiling.
Consistently over paid, that is I ensured income exceeded outgoings over the long view, with fluctuations of underpayment compensated one or two months later by substantial overpayment.
Now my &pou ...
WWG's full review | 135 words | 2 comments added.
Review by
swifty99
on 5th Mar 2004
User Rating : 9
Respect :
+1
I'm surprising myself to be praising my bank but quite honestly I use Royal Bank of Scotlands internet banking nearly every day and highly recommend it.
My wife uses Barclay's online banking and it's having compared it to that I stand by my recommendation. RBS is much clearer than Barclay's and quicker to navigate your way around.
swifty99's full review | 97 words
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