Royal Bank of Scotland Reviews
Latest Reviews
★☆☆☆☆
“Utterly useless bank.”
Written on: 19/05/2013
I have banked with several different banks over the years, but RBS is by far the worst of them all. Problems range from them not EVER having my correct address registered (despite the numerous times I attempted to alter it), to completely losing access to my money. Other issues include doing online transfers, for instance, to make an online transfer over internet banking, the bank requires the user to have a card reader, I accept that this is fairly standard procedure- but the bank failed... (read more)
★☆☆☆☆
“Horrendous through and through”
Written on: 14/05/2013 by TomGBR (1 review written)
After 10 years suffering with an RBS account I am about to close it. They continuously change the terms and conditions so that a "current interest account" magically becomes just a "current account" and that arranged overdraft suddenly has a fine for use attached to it. RBS credit cards don't know their arse from their elbow and as a result have destroyed my credit rating. Their executives are profiteering rebrobates, and this company bares more blame than any other for the financial mess... (read more)
★☆☆☆☆
“RBS dont know their own procedures for trust deeds.”
Written on: 27/04/2013 by fr kitchen cleaners (2 reviews written)
I entered a trust deed in october 31st advising my bank on the 1st November via a telephone call there reply was whats a trust deed after explaining this they transferred me to the bankruptcy department to explain this again who then transferred me to insolvency department who have the worst customer services department ever... thought less, clueless and have no manners on the phone always talk over you and get louder if you continue to speak. They advised me that as part of the trust deed i... (read more)
★☆☆☆☆
“Did the taxpayer really have to save this circus?”
Written on: 26/04/2013
A telephone that never gets answered for customer service- regardless of the time of day, telephone advisers that don't know whether or not the large county of Kent is in the UK, staff that don't know the products/accounts they offer. Welcome, Sir to RBS banking! Tried to change one line of text on my business direct account. Three different people informed me that I had to get my business account manager to do this. Having explained on all three occasions that the account doesn't have a... (read more)
★☆☆☆☆
“fraud department sends me someone elses bank details”
Written on: 15/04/2013 by dishonestfrauddepartment
I recently experienced fraudulent transactions on my DD card(cloned ata petrol station pay at pump ) quickly picked up by RBS ..I spoke 7 days ago to fraud department who had cancelled my card ..ALL OK SO FAR.. they promised me a replacemnt card and would send me paperwork to do with fraud.. CARD arrived in 3 days at 4 days I received letter acknowleding there had been fraud and at 5days I RECEIVED A LETTER WITH MY ADDRESS AS ADDRESSEE BUT THEN DEAR MR SMITH AND MISS JOANS AND ALL THEIR... (read more)
★☆☆☆☆
“They hang on to your money to pay pitiful interest”
Written on: 12/04/2013 by absimj (3 reviews written)
I just tried to shift a large sum of money from RBS to a Building Society to buy a bond, but there is apparently a daily limit on my Debit Card, set by Visa. The Bank don't know what it is, and Visa have not told me. There is also a daily limit on electronic transfers unless I pay RBS a fee. So - after wasting half an hour on online chat and on the phone trying to get round this - I'm sending a cheque. And the banks wanted to get rid of cheques because we live in an era of electronic... (read more)
★☆☆☆☆
“Let me tell you a story. In January RBS failed to let...”
Written on: 04/04/2013
Let me tell you a story. In January RBS failed to let me know that they'd cancelled my current debit card (they just felt like cancelling it, you know how it is); I found out while trying to pay for something. They said a new one would be with me in a week. SIX MONTHS LATER, four have been sent to the wrong address. I finally have to travel from London to the Edinburgh head office to collect one. The first time I go to use it, it gets cancelled. I call RBS, seething, 'Why are you doing this... (read more)
★☆☆☆☆
“Incompetence and poor customer service”
Written on: 03/04/2013
What has happened to RBS?They used to be a great bank. But now even the private banking service is appalling. Over the past 3 months they have: 1. Closed down in error aI savings account I had just opened and transferred a considerable amount of money back into my current account without notifying me resulting in a loss of interest on the savings account. 2. Failed so far after 3 Weeks to resolve an online banking problem where a new account does not show onscreen. 3. Worst of all ... .they... (read more)
★☆☆☆☆
“I've never written an online review before, but... ”
Written on: 18/03/2013 by JamesJ2013 (1 review written)
...today I have had 5 phone conversations with the RBS fraud team whilst trying to make an online purchase. Each time I am assured that the purchase is now authorised and then it is rejected again. During one call I was told that this was a different section of the fraud team than the one I had previously spoken to and since they operated seperately they had no knowledge of my last previous conversations and had decided to stop my card again. I have been told that the RBS credit card... (read more)
★☆☆☆☆
“Total non existent customer care.”
Written on: 25/02/2013 by redal100
Where do I start, when so many other RBS victims have written more or less the same as I do now. It seems to be endemic in the system, to treat customers as an after thought, no loyalty, no service, patronising staff, no reply to correspondence, o.k. you are met with a smile when you enter the Bank, but if there are any problems, health, bereavement, loss of job, etc. you are alienated, no matter how long you have been with them, they just won't be interested, they will ask you to take your... (read more)
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Showing 1 - 10 of 101 Reviews
★☆☆☆☆
“Absolutely shocking service!”
Written on: 13/02/2013 by IhateRBS
Been a customer for over 10 years, only bank I've ever been with. My debit card was due to expire in April last year so I phoned two weeks in advance to ask them to send my replacement card to my home branch as I was moving home. April comes, my card expires, get a text saying my new card has been dispatched. Assumed it would be in my branch within a few days. NOPE. It was sent to my old address! Physically went into a branch after many unsuccessful phone calls and changed my address. Two... (read more)
★★★★★
“Quite happy”
Written on: 01/01/2013 by stopwhiningffs (1 review written)
From reading a lot of reviews, it seems people are happy to complain about the Banks and not take responsibility for mismanaging their money - it must be the bank's fault they have spent all their money and then been charged for using an overdraft they don't have. Really? Get a grip folks, that's your fault not theirs and if you don't know when your payments are due out of you account then you don't deserve to have an account in the first place. I have banked with RBS for a number of... (read more)
★☆☆☆☆
“Power of Attroney”
Written on: 20/12/2012 by Ronny53 (1 review written)
The Royal of Scotland are totally out of control if you have a complaint they ignore it when you phone a branch tel no you get put through to a call centre who will pass the message on 3hour turn round time and don't get back to you took Power of Attroney documents in to the local branch filled out forms to pass on to other The Royal Bank of Scotland Department then they lost documents in question when you complain they pass the buck the staff talk to you like you are a naughty school... (read more)
★☆☆☆☆
“should have gone to wonga”
Written on: 05/12/2012 by RBSgotohell
Totally disgusted with RBS, had an account with them since 1998 when they were a real bank and provided great service and even set up accounts for my children on the back of that. I have lived outside the UK for 10 years since then but maintained the account to use occasionally and transfer funds to my kids back in the UK, I had no idea how much things have changed. I have just been stung for charges totaling over 350 quid!!!, this for being 6.18 overdrawn on 1 account and 12.50 (Royalties... (read more)
★☆☆☆☆
“Incompetent Fools”
Written on: 12/11/2012
Please take a moment to read about this blunder which cost me money for a process which could have taken mere minutes to solve on their behalf for free! I currently bank with HSBC and was looking to apply for my first credit card at the age of 25. Having never gone into the red, I was pretty confident that there wouldn't be a problem, with MSE also stating this was the best card to go for. That may be so, but the customer service was appalling. I visited the Egham branch on my lunch break as... (read more)
★☆☆☆☆
“No understanding of Finanace”
Written on: 01/11/2012
I've banked with RBS for thirty plus years until now. My business had our business bank manager leave and at our final meeting he said 'Things are going to go downhill rapidly' I wished we had moved then ! Our next business bank manager lasted a week then went off with stress for nine months, after complining they gave us another business manager who after our next meeting went off again for a long period. The next the same happened . Our complaints were ignored and our requests for meetings... (read more)
★☆☆☆☆
“Worst bank ever!!”
Written on: 28/10/2012 by kirsty2503
I got a loan from them at the start of the year due to moving into a new house i had to buy furniture etc! i have paid it each month by direct debit and i got a letter in saying they are putting my loan payments up because i missed a payment in june!! went on and looked at my statements and it says i have paid all of them including june!! took my statement into the bank they said they would sort it which didnt happen as an extra £50 came out my account this month!! i am never banking with... (read more)
★☆☆☆☆
“non sense”
Written on: 27/10/2012
internet banking waste.no payment gateways for this bank.no respose from customer care (read more)
★☆☆☆☆
“Ignorant bank”
Written on: 23/10/2012 by Rbscrap (1 review written)
Just tried to open a business account with Rbs for 2 months, even met business manager, filled up all forms etc. and...they even dont bother to response with any kind of decision, just ignoring emails and phone calls. Bunch of very unprofessional time wasters!! (read more)
★☆☆☆☆
“VERRRY SLOW”
Written on: 23/10/2012
My Mother passed awayat the end of may. I am executor of her estate and in late July I started the process of trying to close her (small balance) account and transfer funds to the Estate Account so funds could be distributed to the beneficiaries and the Estate finalised. It is now almost 3 months since initiating the process with RBS "Estates Team" and still no funds transferred. Of 3 Pension providers and 2 other financial institutions RBS has been way the slowest to respond despit me... (read more)
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Showing 11 - 20 of 101 Reviews
★★★★★
“It's fashionjable to give a bad review to banks but...”
Written on: 06/10/2012 by Krisellis (1 review written)
It's fashionjable to give a bad review to banks but RBS have been fantastic with me, I'd be insencere to say otherwise. they always inform me (via text) when money is going in or coming out and are prompt at dealing with any queiries. I'm yet to see the bad side of RBS (read more)
Krisellis's Response to Krisellis's Review
Written on: 08/10/2012
*Insincere*(Brain fart)
Reply to this comment
★☆☆☆☆
“RBS do not care about their customers”
Written on: 14/09/2012
I have had countless issues with the RBS in Edinburgh - poor service contintually, impossible to reach people to resolve problems (caused by their poor administration time and time again) and lack of interest in my loyalty or number of services I used to get from them. I am now with another bank - and I am very very happy to have my RBS days behind me (after 19 years with them, and having paid them a huge amount of money in mortgage interest, insurances, savings, loans, credit cards). (read more)
★☆☆☆☆
“worst bank ever stay clear”
Written on: 01/08/2012
worst bank ever moved address informed branch card still sent to wrong address luckily for me person posted through my letterbox in proccess of moving to nationwide bye bye rbs good luck santander think youve bought into a right mess and losing thousands of customers daily (read more)
★☆☆☆☆
“RBS Dire Customer Services”
Written on: 27/07/2012
I've banked with RBS for 12 years and have never had a problem with them. For the last 4 months I've had nothing but problems with them in particular their customer services. It all started when I lost my card and rang for a replacement to be told they had 1 digit wrong of my postcode so the card and pin had to be cancelled and it would be 3-5 days for a new card. By the 5th day I was getting pretty desperate for cash so rang and was told a card hadn't been sent out and would be another 5... (read more)
★★★★☆
“Overall a good bank”
Written on: 24/06/2012
Everyone on this site seems to be putting 1 star, I have been banking with them for the past 8 years and had no problems with them. I have a few different types of accounts with them and they have been helpful in getting everything set up. They also have the best online system of all the banks. As I travel I often need to transfer money there and then and they have applications for all the popular smartphone OS's which is brilliant. They also have a new feature called "GET CASH" so if you... (read more)
★☆☆☆☆
“Sinking Fast due to Santander buy out”
Written on: 12/06/2012
Ive banked with RBS for 16 years and had no complaints until recently when i tried to open a new business account. Ive had an untold ammount of issues and find myself in never ending telephone loops when I call up. I have 3 personel and 2 business accounts with RBS. They have told me that I cant have them all under a single online banking portal so now have three sets of numbers to remember with 3 log in screens. I have now 100% totally boycotted RBS. I am in the process of moving all of... (read more)
★☆☆☆☆
“Surprised this lot have any customers left”
Written on: 08/06/2012
Although the service in the branch is pretty good,this is the worst bank that I have ever had the misfortune to be a customer of.I work abroad and there are always problems. Inspite of assurances and promises that things will improve, nothing is ever done. Time to move on. (read more)
★☆☆☆☆
“How on earth do you switch an account to them online?”
Written on: 30/05/2012
Went online to open an account for new customers, wanted to switch from lloyds and nowhere on the home page could I even find the word 'apply'. Went round in circles, was offered a lot of pretty photos and 'leaflets' about how to switch an account without being given the option to do so. Clicked on the contact us online section to query this and it says chat to us 24/7...but no link to do so. Went to feedback...and no online feedback form available. Decided RBS is not the bank for me as I... (read more)
Cordyroy's Comment
Written on: 07/06/2012
I appreciate the reply, but Halifax, Santander etc all have online applications to open an account. This isn't the 80's :D
Reply to this comment
Envida's Comment
Written on: 15/07/2012
It has been possible to apply online for a RBS account since at least 2006. Just click 'current accounts', chose the one you want and click apply on the right hand side.
In lots of cases they even give you a decision online instantly, which quite a few of the other banks still don't do.
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★★★☆☆
“branch good - bosses bad”
Written on: 24/05/2012
I still feel incredibly angry about the misery RBS and others have caused- and they still seem not to have got the point! However, at branch level, I have always found staff pleasant and transactions going smoothly. The only thing I object to is the pressure to have reviews or take out royalties type accounts. If the bosses are insisting on their staff doing the hard sell, it just spoils staff / customer relations. Maybe they will get a little in the short term from pressurised customers... (read more)
★☆☆☆☆
“Less helpful than a really unhelpful person”
Written on: 11/05/2012
This is a genuinely pathetic excuse for a bank. I have been on the phone for a minimum of an hour to these today. It would have been more helpful, and I would have come out less brain dead if, for the first 50 minutes if I'd just watched a woman get nailed by an elephant. The online "customer services" number takes you through to credit card problems so there's one transfer to another department. After being transferred between departments another 6 or 7 times the line went dead. Figure they... (read more)
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Showing 21 - 30 of 101 Reviews
★☆☆☆☆
“Less helpful than a really unhelpful person”
Written on: 09/05/2012 by Anonymous69 (0 reviews written)
This is a genuinely pathetic excuse for a bank. I have been on the phone for a minimum of an hour to these today. It would have been more helpful, and I would have come out less brain dead if, for the first 50 minutes if I'd just watched a woman get nailed by an elephant. The online "customer services" number takes you through to credit card problems so there's one transfer to another department. After being transferred between departments another 6 or 7 times the line went dead. Figure they... (read more)
★☆☆☆☆
“They really grind my gears.”
Written on: 09/05/2012 by Anonymous69 (0 reviews written)
This is a genuinely pathetic excuse for a bank. I have been on the phone for a minimum of an hour to these today. It would have been more helpful, and I would have come out less brain dead if, for the first 50 minutes if I'd just watched a woman get nailed by an elephant. The online "customer services" number takes you through to credit card problems so there's one transfer to another department. After being transferred between departments another 6 or 7 times the line went dead. Figure they... (read more)
★☆☆☆☆
“They really grind my gears.”
Written on: 09/05/2012 by Anonymous69 (0 reviews written)
This is a genuinely pathetic excuse for a bank. I have been on the phone for a minimum of an hour to these today. It would have been more helpful, and I would have come out less brain dead if, for the first 50 minutes if I'd just watched a woman get nailed by an elephant. The online "customer services" number takes you through to credit card problems so there's one transfer to another department. After being transferred between departments another 6 or 7 times the line went dead. Figure they... (read more)
★☆☆☆☆
“They really grind my gears.”
Written on: 09/05/2012 by Anonymous69 (0 reviews written)
This is a genuinely pathetic excuse for a bank. I have been on the phone for a minimum of an hour to these today. It would have been more helpful, and I would have come out less brain dead if, for the first 50 minutes if I'd just watched a woman get nailed by an elephant. The online "customer services" number takes you through to credit card problems so there's one transfer to another department. After being transferred between departments another 6 or 7 times the line went dead. Figure they... (read more)
★☆☆☆☆
“They really grind my gears.”
Written on: 09/05/2012 by Anonymous69 (0 reviews written)
This is a genuinely pathetic excuse for a bank. I have been on the phone for a minimum of an hour to these today. It would have been more helpful, and I would have come out less brain dead if, for the first 50 minutes if I'd just watched a woman get nailed by an elephant. The online "customer services" number takes you through to credit card problems so there's one transfer to another department. After being transferred between departments another 6 or 7 times the line went dead. Figure they... (read more)
★☆☆☆☆
“They really grind my gears.”
Written on: 09/05/2012 by Anonymous69 (0 reviews written)
This is a genuinely pathetic excuse for a bank. I have been on the phone for a minimum of an hour to these today. It would have been more helpful, and I would have come out less brain dead if, for the first 50 minutes if I'd just watched a woman get nailed by an elephant. The online "customer services" number takes you through to credit card problems so there's one transfer to another department. After being transferred between departments another 6 or 7 times the line went dead. Figure they... (read more)
★☆☆☆☆
“They really grind my gears.”
Written on: 09/05/2012 by Anonymous69 (0 reviews written)
This is a genuinely pathetic excuse for a bank. I have been on the phone for a minimum of an hour to these today. It would have been more helpful, and I would have come out less brain dead if, for the first 50 minutes if I'd just watched a woman get nailed by an elephant. The online "customer services" number takes you through to credit card problems so there's one transfer to another department. After being transferred between departments another 6 or 7 times the line went dead. Figure they... (read more)
★☆☆☆☆
“RBS - We ALL know what the BS stands for”
Written on: 29/04/2012
Utterly incompetent useless staff and company culture right across the board. These people treat their clients like excess baggage. Hint: Always go with a competitor if you can. (read more)
★★☆☆☆
“Sad to leave, but they Left me no choice”
Written on: 07/04/2012 by Reviewer010292
I have been with RBS since 1995 until today. I have never had a problem with them until very recently. In 2010 when I was carrying out a transaction in my local branch, I was persuaded to upgrade to a royalties gold account and I was pretty happy with it as it was insuring 2 iPhones, providing breakdown cover and insuring me to travel abroad. All seemed well. That was until one day a direct debit put my account £10 or so overdrawn, luckily enough I spotted it and put £10 back in that day... (read more)
★★★★★
“You wasnt complaining when the dividends were rolling in!”
Written on: 05/04/2012
As the title says, you wasnt complaining when the dividends were rolling in. Infact fred the shred was 'jesus' then. Economies go up and down simple so stop crying and look at the positive! It can only go one way BETTER so stop winging and playing the blame game. People loved the RBS when they were wacking the share price up but dont support when the going gets tough. Deal with it (read more)
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Showing 31 - 40 of 101 Reviews
★☆☆☆☆
“RBS WORST BANK EVER !!!”
Written on: 04/04/2012
Where do I start-this company is a stinking cesspit and is going downhill fast. I have had problems with every aspect of this horrible company and I am in the process of moving from them. Problems with mortgage centre in particular who must be the most incompetant and rude organisation I have ever dealt with. Problems with basic account admin and constant errors. Standing orders set up with payee spelt incorrectly (I assume by an Indian offshored centre)-3 calls to them and still not... (read more)
★☆☆☆☆
“Paying themselves bonus then increasing morgage rates”
Written on: 29/02/2012 by kp2627 (2 reviews written)
Last week RBS announced they had lost millions, but were paying themselves £800 million in bonuses. Today, I receive a letter saying the mortgage rate is going up. As the base rate has not increased, they must be looking to fund their bonuses off their customers - they take us for mugs. (read more)
Tommy94's Response to kp2627's Review
Written on: 03/03/2012
At least when SANTANDER take them over in England & Wales Branches, Tax Payers will not have to pay as much to RBS!
Reply to this comment
★☆☆☆☆
“rubbish bank of scotland”
Written on: 09/02/2012 by bazzer47
My wife and I have a Royalties joint account. In preparation for a summer cruise we decided to look more deeply into their, 'Travel Insurance' booklet. We've assumed for years that it was pointless buying travel, after all, royalties would be there for us. Read it my friends, you may as well have NO travel insurance, it is so pathetic! Royalties also claim to run a free car rescue service for their Royalties customers, A con! My wife' car refused to start in her works car park,( a flat... (read more)
★☆☆☆☆
“royalties gold total waste of time!!!! and money!!!!!”
Written on: 05/01/2012
I have had a royalties gold account for 10 years and only used home emergency service once for a broken boiler (7 years ago). I pay £12.95 a month for the privilege and feel this has been a complete waste of time and money. I called on the 4th Jan to ask if we would be covered for slates being torn off roof from the winds and a broken down stairs window struck by some thing from the winds force. I was told no, its only cover for internal house damage?? okay, this was obviously not going... (read more)
★☆☆☆☆
“insurence”
Written on: 03/11/2011
I claimed an iphone from royalities gold for which i was giving 12.95 per month from last 1.5 years. but since it was my first claim i didnt block my phone from network provider because i was worried they will block the sim as well else i have submitted every documents…now they say that my claim is declined….i feel like my all money has gone to waste because i want to close account with RBS….i thin i deserve some amount of money atleast……i feel like royalities gold is just making... (read more)
★☆☆☆☆
“2 months NOT to open a new business account”
Written on: 20/10/2011 by globetrotta (1 review written)
What a joke. Their business managers have mobile phones but you leave messages and they never return your call. I've walked into the bank 5 times no joy either. Today i walked in and the guy was actually there (he's usually at Burger King, a clients house or another branch). Anyway, i said i wanted to arrange an appointment and the girl spoke to someone behind a wall and said to me i had to phone him!!! He was there - I was there - but NO!!! i have to walk out the bank and call him? The... (read more)
★☆☆☆☆
“Terrible Terrible Bank”
Written on: 27/09/2011 by Alidys (1 review written)
This Bank must be the worse bank I have ever come across the way they treated my mother after my fathers death was absolutely disgusting. My mother and father held accounts with this bank for over ten years. When my father died my mother tried to sort her accounts out with the bank This Bank is heartless and the customer care service need to be trained in Customer Care Awareness (read more)
★☆☆☆☆
“Disappointing!”
Written on: 20/09/2011 by markus05
I made an application for a silver account. After a month, I still haven't heard anything. When I called the call centre, the operator told me that the guy at the branch has not sent my documents to the head office. Bad first impression. Maybe, it's a blessing in disguise. A sign from above, that I am too decent for RBS. (read more)
★☆☆☆☆
“Customer disservice 5 star”
Written on: 14/07/2011 by dave88
Each and every time my wife visits our local branch she is treated as an imbecile by poorly trained staff who should be dismissed and or try to obtain work on ryanair or easy jet, such is their status in life. Counter staff who obviously got the job through nepotism as surely HR would spot their discourteous and ignorant traits and not employ them. Working for RBS ( what does the BS stand for in RBS ?), does not make you better than your Pay masters who pay your simple salaries. It is only... (read more)
★☆☆☆☆
“Digital Banking helpline often gives advice which is...”
Written on: 20/05/2011
Digital Banking helpline often gives advice which is simply wrong. I have had debit cards cancelled for no reason, I have been waiting for 3 months for a set of historic statements, when RBS send mail overseas they only put a first class stamp on so it may not go airmail and will take at least 3 months surface mail. I remember better days, started with Williams and Glyn's bank before RBS swallowed them up. And then there is Fred....I will be leaving them as soon as I get my statements and... (read more)
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Showing 41 - 50 of 101 Reviews
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Feb1989Ap's Response to stopwhiningffs's Review
Written on: 04/04/2013
That's great that you find the branches near you helpful.
My nearest branch is 40min away and never open. I've ordered 5 card readers now so that I can bank online, but none have made it to me - so I have to travel 40min according to their tiny opening hours to make my payments on time, which you say is really easy, obviously.
Still, as long as most people are happy.