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| Customer Service | 3.8/10   |
|---|---|
| Telephone Banking | 3.6/10 |
| Internet Banking | 3.9/10 |
| Local Branch | 4/10 |
| Cash Point Facility | 5/10 |
| Reviewer Rating | 2.9/10 |
| Overall Rating | 2.8/10 |
Full review by
bazzap
on 5th Apr 2008
User Rating : 5
Respect :
0
Good Points: Excellent Service Plenty of branches Very good Internet Banking
Bad Points: Very uncompetitive rates
General comments: Joined as a student when they offered a better deal than other banks both in rates, overdrafts and joining bonus'.
In the 10 years since then I've had no real issues or complaints and in general had a very good service though the charges for going overdrawn are very steep.
Online banking is very good (seperate review) and, the few times I've had to contact via phone or branch, I've been dealt with quickly and efficiently.
One big complaint (and the reason I'm currently looking to move accounts) is that they are far from the most competitive. A quick search on-line shows just about every other institute pays better rates (even excluding bonus rates) and this can lead to huge differences in money over the years. RBS can't offer a decent current account, mortgage, ISA or savings account) for me. Maybe I'll discover the good service was worth paying for but for the extra money I'm losing daily I think I'll at least try another bank.
bazzap's review and ratings | 177 words
Review by
laalaa41
on 14th Feb 2008
User Rating : 0
Respect :
-1
As I landed a really well paid job and was changing from weekly temp wages to monthly - I told my bank and all the organisations I pay bills to - to change my payment dates to suit payday. All said OK. 3 then messed up and debited before my wages went in. RBS slapped over £300 of charges on my account which for 6 years has been run well. So much for the Direct Debit Guarantee and so much for customer service. I'm being blamed and charged through the nose - RBS wont budge despite the f ...
laalaa41's full review | 110 words
Review by
Guest.
on 14th Feb 2008
User Rating : 0
Respect :
0
A draining, time wasting experience from Bank of Scotland incorrect handing of the account opening to their failure to mail an account statement on closing the account.
Internet account opening resulted in incorrect type of account being opened.
Funding the account resulted in the money being in limbo for a month due to incorrect account opening information being supplied by Bank of Scotland International new accounts department.
Tracing the missing money and negotiating reimbursement for the ...
Guest.'s full review | 128 words
Review by
morrisonsm
on 19th Jan 2008
User Rating : 5
Respect :
0
There are plenty of branches and cash points available on the high street. Good overall bank and reliable service, but there is room for improvement. There rate of interest is not the best in the market.
morrisonsm's full review | 36 words
Review by
HANNAHHUNTER88
on 17th Jan 2008
User Rating : 9
Respect :
0
Ive been with royal bank of Scotland for 6 years and have never had any problems. There was 1 time when I got a bank charge but they admitted they were in the wrong and refunded me back.
HANNAHHUNTER88's full review | 36 words
Review by
Guest.
on 15th Dec 2007
User Rating : 1
Respect :
-1
Absolutley disgusted with the way the Royal Bank of Scotland has treated me recently. They chased me to open a student account, yet they didn't explain the account to me properly, and now I'm £60 in debt with a card protection plan that I had unknowingly signed up for with the bank. I shall be moving banks as soon as possible.
Guest.'s full review | 74 words
Review by
Guest.
on 2nd Dec 2007
User Rating : 0
Respect :
0
I have spent the last three months trying to get my RBS internet banking working. It has been working for the last two years then RBS did something to screw it up. Absolutely useless avoid at all costs.
Guest.'s full review | 51 words
Review by
warlord2000ad
on 10th Nov 2007
User Rating : 8
Respect :
0
I've been with Royal Bank of Scotland for some time, since i joined university. its a wonderful bank to use as a current account although in my hometown there seems to only be a few cash machines that accept the card. Online shopping is easy as the card is a switch/maestro debit card and is accepted on my websites for ordering.
I am a happy with them in all aspects so far, and would recommend it to others.
warlord2000ad's full review | 109 words
Review by
Chimpy1986
on 30th Sep 2007
User Rating : 0
Respect :
0
Unfortunately I have a mortgage and a current account with them. From day one they totally messed up my mortgage to the point where I nearly ended up homeless and it has been a continuous battle with them. They are completely incompetent and I hate everything about them and they have completely messed up my credit rating. Anyone considering using them for anything....I would advise not to do it.
Chimpy1986's full review | 81 words
Review by
dvv7
on 22nd May 2007
User Rating : 0
Respect :
0
I have been trying to open an account with RBS and they had problem with name change documents, being inefficient, loosing documents, forgetting to say I need to bring another documents and making to visit the branch again and again. The whole process took about 3 months with no outcome so far.
dvv7's full review | 51 words
Review by
Reviewer100
on 4th Sep 2006
User Rating : 9
Respect :
0
Some fellow reviewers have had some shocking incidences but to date (touch-wood) everything has been fine. You will note from other reviews I have done, Abbey let me down and I moved to the RBS. The number of branches, simple internet banking and direct telephone contact with my local branch swayed it for me. Also from 'people in the know' who work on the inside, I have been advised that their security systems are pretty good which I take as reassurance that my money is safe. Indeed the way my c ...
Reviewer100's full review | 222 words
Review by
mythunderbox
on 14th Jun 2006
User Rating : 0
Respect :
0
The application to the Royal Bank of Scotland has been fairly inefficient during my 3 applications in the past one year, and based on this, I shall never use this bank in the future. And certainly I can not bear with hearing the voice of that women in the underwriting department.
mythunderbox's full review | 261 words
Review by
rehmankhan
on 13th Jun 2006
User Rating : 3
Respect :
0
I was a current account holder with the Royal Bank of Scotland for six-and-a-half years. During this period I have always abided by the banking laws, have never defaulted on any account and possess a clean / ideal credit-rating with all credit scoring agencies of Britain.
I have been selling a few household gadgets over the internet. During this course, I was victimised by fraudsters who sent me fake cheques as payment of goods they were purchasing from me. I deposited the cheques in my acc ...
rehmankhan's full review | 948 words | 1 comment added.
Review by
reviewer53
on 30th Jan 2006
User Rating : 0
Respect :
0
My Royal Bank of Scotland mortgage was increased twice without notification. OK it was refunded after protracted communications, but it would be helpful if they had said.
reviewer53's full review | 49 words
Review by
babrahams
on 10th May 2005
User Rating : 10
Respect :
0
I have been with the Royal Bank of Scotland for almost ten years now, and I have never been with such a good bank. I cannot praise them enough. Right from the start, they have always been helpful, thorough and accommodating, and are willing to help you out of any situation. I am fortunate to bank with a small local branch in a largish village, and they all know myself and my husband by first names, and always greet with a smile or a very pleasant greeting over the phone and always ask how we ...
babrahams's full review | 199 words
Review by
wildchild
on 19th Apr 2005
User Rating : 0
Respect :
0
2 weeks before my finals, RBS sent me a letter stating that unless I returned my full overdraft amount plus an extra £30 for "charges" I would be taken to court. This was out of the blue and they were incredibly unhelpful when I telephoned to attempt to sort the matter out stating that I did not have the money currently as I was sitting exams; however I would get it to them as soon as possible. They demanded the money back within 10 days.
Previously RBS had charged me £800 in ch ...
wildchild's full review | 155 words | 4 comments added.
Review by
sereider
on 14th Jun 2004
User Rating : 0
Respect :
0
A junior staff member from the Royal Bank of Scotland in a central London branch refused to provide the address or phone number of a team leader in the marketing department whom I wanted to contact since she said he maintained no contact with a client or prospect. She refused to pass on a message to the individual in question.
sereider's full review | 67 words | 1 comment added.
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