Royal Bank of Scotland Reviews 13

Worst technology in the sector. If you need to alter devices make sure you have all the details you need. Despite pushing customers to online banking they still can’t provide a service that is immediate resolution. 24 hrs to unlock your account now is unacceptable in technology terms. Don’t use their digital platforms.. in fact go elsewhere you get a better service..

Really annoying as I was trying to do the on line business switching. They offer forms that I've downloaded umpteen times on both my phone and pc,it doesn't open on the phone and the pc version won't let you submit it. The Cora chat is just going in circles to bring you back to the same info over and over again. Phoning up takes ages to spk to someone. Think I should stick with my current provider as this is far too time consuming and complicated. There's no e mail address to send an enquiry, it either Cora or what's app and you don't get the answers.

Should be ZERO stars.
Have had trouble from the digital banking system when trying to log in, finally got a letter saying they were closing my account, so I queried it as to what was happening,. Tried talking to their AI (CORA)- went round and round and round in circles, got nowhere. It then offered me to talk to a "human" but to do this I had to log in - what the heck this is what I was trying to do......I gave up.
In the letter they told me I could go to the branch - THEY HAVE CLOSED IT, so NO I can't.
They then suggested I go to Nat West - this is miles away, I do not drive, cannot walk far - PRETTY POOR CUSTOMER SERVICE.
They offered £50 to be paid to my account as a good will gesture - that's fine, how can I get access to it when my card DOES NOT WORK - can't even use it in the ATM or shops, I can't get to the bank.
Never know such a pathetic attitude from a bank, nothing but ignorance and apathy.
I will certainly not be giving them any of my money when my investments pay out - that's 100% certain.

The WhatsApp conversation with the operative was very helpful whilstI was taking on a bank account from a deceased member of my organisation. Unfortunately the whole Digital Banking product is utterly awful. The help system is circular, the help assistant (Cora) refers you to forms which refer you back to Cora and you end up going round in circles. My account was locked out and I could not unlock the account using the online form - I needed to specifically call the Helpdesk (long wait times). Having gained access to my Business account finally, I am not able to make any payments without setting up Biolmetrics, however I'm told that this can't be done until I've acquired a few weeks of using the mobile app for 'Security' reasons. What bank account doesn't allow you to make payments for weeks after being granted access to it? Utterly abysmal product. I will be moving my business account elsewhere as soon as possible.

The Royal Bank are favouring new customers whilst ripping off existing loyal customers.
Their website currently lists 7 different credit cards, one of which is simply called the "Royal Bank Credit Card".
It lists the benefits of no annual fee and no foreign currency transaction fees.
I have the same "Royal Bank Credit Card" which I have had since 2006 and have to pay foreign currency transaction fees, and in fact had to pay a total of £108.36 of these fees last year.
When I queried why I was being charged these fees when it was exactly the same card, I was told that mine's was a "legacy" card and therefore had to pay the fees.
In other words, if you're a new customer with no history of ever having banked with RBS you can benefit from no currency fees, but if you'e a loyal customer (I've had a current account with RBS for 46 years), you're not eligible and they can gladly rip you off.
I asked if I could switch from my "Royal Bank Credit Card" which charges these fees to the "Royal Bank Credit Card" which doesn't charge them, and was told it was simply not possible.
My circumstances recently changed and I have retired with a small company pension but most of my income comes from interest earned from bonds and ISAs which RBS says don't count as regular income, and have therefore told me I'm not eligible for a credit card that I have already had for 20 years and pay off in full every month!

And to think i gave up my Sanatder 123 current account, went over my limit, what limit lol, texts saying pay pay pay before 3.00pm, phoned up to close it, cant because its £1.97 overdrawn wiyh a penny interest, cant wait to bin it....rude staff to boot...

Absolute joke of a bank now. Been with these people for 20 years plus made a complaint after a big bank issue and nothing. Promises of call backs. Nothing. Promises of investigation nothing. This company needs closing down most branches gone anyway and cora chat absolute rediculas seams like thay no thay on edge of wind up so just stop the waiting and do us all a faver and fold rbs no good for anything now

Amazing, the app is easy to use and great for managing your money, they offer overdrafts and low and even no interest fee which is great and overall it’s great to have especially with the customer support options and the helpful and polite staff team they have!

Just took out a private pension as a little nest egg, great easy navigation and informative to make decision on the investment. Cora the chat tool and agents were very helpful when I needed to make contact, response was quick and problem was solved.

Absolutely shocking. Trying to link to an account (wifes) for our joint account and being lef in a merry go round of incompetence and gaslighting. Nobody has a clue what they're doing on the phone, the app doesn't work properly and what's annoying is that they're holding on to our money and will not give it back. Probably having to go legal on this. Be this a warning to anyone looking to open an account with these idiots, the staff are not trained properly or they're trained to withold your money. Avoid like the plague.

Not helpful

Incompetent scammers!
I today have experienced the most discriminative and incompetent experience of my life! I tried to transfer funds from my RBS savings account to my lloyds current account. I done all the rigorous account details and security checks. I then went to send the money between accounts, filled out the details and pressed complete transaction. I was kicked out of the app. Logged in again and filled the lengthy rigorous bumf again. I filled out the send money form and pressed the complete transaction and again was kicked out of the app. 3 times this happened! I sent messages through this Cora messaging nonsense that reads your messages wrongly then called the customer service number. After listening to the extended nonsense I eventually got through to a helpful sounding adviser. He asked me all of the security questions to which I cleared. He then asked me how much I want to transfer and account details. This was refused!?? He then advised of trying smaller amounts to which were refused also. He then advised that I go to my local branch. I explained that this is 30 miles away and of me being registered disabled. He advised me of giving a £30 goodwill gesture to cover my travel costs. I made my way to Elgin RBS. I was presented with the most arrogant counter staff member who requested my card. I explained that I do not have an active card for this savings account. I was advised to go to the Elgin branch with ID and letters from my address. I explained this and was presented with a laughing attitude of that they'll have to order new cards and to come back in 7 days. I again explained of my ID and call centre advice. I was told nothing to do with me until you have your current activated cards! He then told me that to not get personal as not his problem! I then called the call centre from my car and told that of reading my notes that this branch adviser had treated me wrongly. The call centre then advised of doing a transfer by phone. He then offered me half of my daily limit as this was as much as I can get!?? I agreed and advised that I would take out the same again tomorrow. The funds have dissapeared from my account and not appeared on the account they are supposed to transfer to!?? This is tens of thousands of pounds!!!! I then called again a few hours later. I was asked by a foreign sounding adviser for 10 digits from my card. I asked what 10 digits, is this from the 16 digit number? I don't have 10 digits. She raised her voice and said '' 10 DIGITS''!! I Told her I don't have 10 digits. She advised of ending the call. I admittedly swore at this point. I then went to check where my transfer was and have had my accounts disabled by 10 digits kim lee ding!!! I have now been locked on the call centre landline and had to phone the NATWEST sister bank to make a complaint about my experience and been advised by them to visit my local branch 30 miles away in Elgin again with the ID that they already refused to look at earlier!! Incompetent charlatans!

Is this a delibeeate effort by RBS? Do they not have the funds to cover the transaction? Strange how my account was locked/disabled 3 hours ago due to a scam type transaction, yet they have not emailed me advising of any strange activity on my account!?? So, they obviously know who I am through the multiple security check I passed before refusing my funds! Now they are discriminating against me by disabling my RBS account!!

I’m genuinely shocked at how poorly the Royal Bank of Scotland has handled my situation. They closed my account *in error*, and instead of fixing their own mistake, they told me I have to visit a branch to get it reopened. Normally that would be an inconvenience, but RBS is actively closing down their branch network — including the one closest to me. So I’m being asked to visit branches that no longer exist or are miles away, all because of something that wasn’t my fault in the first place.

Trying to get answers over the phone has been a dead end. No one seems to have any authority to resolve the issue, and I’m left without access to my own account while being sent in circles.

For a major bank, this is completely unacceptable. If they can close an account by mistake and then make it nearly impossible to fix, I honestly don’t know how customers are expected to trust them. I’m incredibly disappointed and seriously considering moving to a bank that actually supports its customers.