i have been with RBS for around 10 years, I had to take a IVA out this month due to unforeseen circumstances. RBS found out which I knew they would but didn’t even let me know what they were going to do. They closed all my accounts on the Friday when my insolvency company said I could keep them I just had to pay the overdraft off. I agreed. I had no access to any accounts took them till 3 hours after they closed them to drop me a text message. Tried to call but offices were shut. It is my pay day today but I had to call at 9am to get my wages pushed through!! I won’t have access to those tomorrow apparently now even tho they should be mine today. So tomorrow I will just be going into branch with drawing it all and leaving. As tomorrow I usually have to do my transferring around .. rent, bills IVA but now I have no bank account on my
Banking app to do it! Just ridiculous how it has all been handled so I have opened up a new account with another bank.
Review by Newey Chandrashekhar1 month ago
RBS over the years I have had many loans with yourselves, never missed a payment, always been on time with it. So after finding out I had been sold ppi I find myself waiting 6 weeks and still you have not recieved or looked for my claim i am still waiting after submitting a PPI claim in August to be told that they still haven't recieved my letter, although its sitting in the postal room. Quite frankly not good enough! Still no contact from them as they don't want to part with MY money, instead keep it in a nice bank accruing extra money for themselves. I have requested a complaints package, if no joy they will be getting another phone call to speak to who ever is in charge. Would I deal with this bank again? No thankyou.
Review by Nishanna1 month ago
1 star is a dramatic exaggeration.
This bank is a professional disgrace. I’m ashamed of myself for putting up with them for as long as I did, but finally resulted in a case for the financial ombudsmen.
Review by Bambino Rockets1 month ago
This bank cant even get the absolutle basics right.. Cant find your accounts, cant return your calls... Would actually prefer to watch you fall... Customer services apauling. Helpfulness zero. Supportive most definatly NOT! Shame on you rbs... You let small business hang out to dry...
Review by Haneez1 month ago
Can’t fault their business account.
Review by Kys1 month ago
RBS is the worst bank I have ever been with and it has not even been a month. So far, they have banned me from online payments (because my card apparenty did not get through the fraud check on the website even though I had enough money on my account; the website never had problems before with other cards), given me false information on my account (when I applied for my account, the staff in the bank told me wrong things so the application process took much longer) and today, the best thing happened: they sent me a letter saying that they will eventually report me to tax services if I do not send them a copy of my passport and a statement verifyingmy adress and tax number (note: they have a copy of my passport and my ID and also an official document verifying my adress and tax status). The funny thing about this is that I am 18 years old and a student, so I obviously do not have to pay taxes. I have already stated this in an official document that was required when I signed up for the account by the way.
You should never ever use this bank, especially if you're a foreigner as me as they will probably treat you the same way.
Review by Soundrapandian1 month ago
Absolute worst bank I have ever been with. Have been trying to log into my account for over a week. Customer service unhelpful. Unresponsive website (have tried numerous browsers, clearing cookies etc) SMS does not come through for verification.. I only want to check my balance!
they really need to step it up and make this more user friendly. I’ve never been with a bank where I have to carry around a card reader wherever I’m travelling and just feels behind with the times.
Review by Mr Dino1 month ago
This bank has been a nightmare for me. I dread doing payroll because their site stops working when I get to the make a payment choice. Lately they make me use a card reader for security reasons and it won’t accept my pin. After waiting on the phone for ages I am told it is unlocked. Oh no it isn’t ! Back on hold again on a long queue. Now they are telling me I have to wait till Monday
Review by Habiba Ottens1 month ago
Is this the worst bank in the world? Yes. Yes it is. I tried to DEPOSIT money into my account and they put it through as a WITHDRAWAL! How does that happen?! Following this up to fix the error was an absolute mess - their customer service is terrible and their automated messaging helpline must’ve been developed by a walrus. Two hours later I get back in branch, line up for thirty minutes, for them to try and refund me the amount they withdrew WITHOUT ADDING MY INTIAL DEPOSIT! Woeful bank. An absolute waste of time and energy. Congratulation to their new boss - she’s got her work cut out for her. Unfixable IMO.
Review by Gawlik2 months ago
I am ready to give up and close all my accounts with this bank.
It was bad enough when they closed my local branch, but their website and their Perth branch can't handle the increased traffic due to all their closures. I can get on to their website about one try in every four and waste hours trying to do my online banking. Now they send text codes required to get in to your account which I mostly never receive so it is even more impossible. It's no wonder their reviews are so bad.
Review by KMarra Toevai2 months ago
Just awful. I honestly can't think of one positive thing to say about RBS. No matter what happens it's never the bank's fault. I tried to pay off the total balance on my credit card and the payment kept failing. I called customer service and was told there was block in place on my account to prevent fraud, i asked what kind of fraud would involve someone paying off my credit card but never got an answer.
Eventually i was told the block had been removed so i tried again to pay my credit card but the payment failed again. On my 2nd call to customer service i was told there's actually an automatic prevention of anyone paying more than £1000 to a credit card!!!! Apparently this was an important fraud prevention tool. I was then told to pay smaller transactions as a combination up to the total amount i wanted to pay - again i queried how that was anymore likely to prevent fraud than one larger amount but received no response.
All in all i wouldn't recommend RBS to my worst enemy. If i could, i'd award negative stars.
Review by Incerno2 months ago
Worst online banking I've come across
Review by Mishara Padavil2 months ago
RBS are easily the worst bank that I have ever used. I would honestly urge you to find a different bank, their systems are out dated and their online banking is not compatible with probably the worlds most used browser Safari.
The use of a card machine is outdated and ensures that transactions cannot be completed without out so remember when you leave the house, phone, wallet, keys, card reader ???? come on RBS get with the times. PS the only reason I had time to write this review is because I'm currently waiting on hold to their online banking team I have currently clocked up 39mins on hold at that was me calling at 9am this morning, surely the lines can't be that busy first thing in the morning.
Review by Supriyaa2 months ago
Needed verification for a transaction...code could not be sent to my mobile.....and then not to my email. As directed i rang the fraud team, and was cut off. Second time got through, after answering seven security questions was told that due to technical issues they could not help. Assume the same 'technical' issues deemed my transaction needed verification. Disgraceful waste of time and lack of consideration
Review by Lutan Sareta2 months ago
We need to be able to give some companies minus stars - come on Trust Pilot if an organisation is as dire as RBS, I would like to give them minus five stars, let alone even one star !
Arrogant, not fit for purpose, inefficient, the list just goes on and on. Don't bother with the director's office, they are unhelpful, disinterested, unprofessional, in fact they are the trademark of this Bank - just DIRE !
Try Starling Bank, a new brilliant bank, they are everything RBS is not, efficient, pleasant, give you 24/7 service and they are much more competitive than the 'big banks' and I just love their can-do attitude, what a difference to RBS, everything they are not !
I stupidly banked with RBS for over twenty years, both for my business and personal account, don't do what I did, switch tomorrow, to one of the brilliant new progressive banks, they are superb compared to this ghastly badly run bank, who must be losing thousands of clients every week, with their incompetence and unhelpful staff.
Review by Equestrian2 months ago
Should have got some money in my account today but because its a bank holiday I have to wait for it to come in tomorrow. Why the hell do I have to wait FOR MY OWN MONEY!!! When banking went computerised we were told that banking would continue 24/7 even on bank holidays because its done automatically and does not need a human, and it did for a while but then they must have realised that if they put a block on, they can hang on to your money for 24hrs. I also have to laugh at the Natwest advert which is also RBS, saying "bringing banking closer to you" when they have closed a lot of branches and I now have to drive 7 miles to nearest bank. Wonder which chinless wonder came up with that Advert. RBS/Natwest used to be a good bank but not anymore.
Review by Nikkiy2 months ago
After making some large money transfers, I I was not not upset about their reasoning for suspending my account. Was unable to resolve on phone and made to go to bank with photo ID.
After unlocking my accounts, l was still locked out of my current account and still unable to use my debit card. Then found that another transfer had been blocked.
I has made 6 phone calls in total involving about 2.5 hours of my time. The matter is not completely resolved and I may occur some charges.
Review by WimVan2 months ago
Made a serious and stupid mistake of switching from my lovely HSBC to RBS. What a nightmare it's been. Everything that could possibly go wrong HAS gone wrong. So here's a summary of my dreadful experience. Be aware if you're ever seduced by their "financial incentive" to join them as a customer.
Applied online and was asked a few weeks later (no idea why it took so long for them to contact me) to submit some further documentation. Was told I could pop into any branch to speed things us. Rang their general number and made an appointment to go into the branch. Went to the branch and nobody had the faintest idea why I was there. Was met by a very uncooperative junior member of staff who just wanted to get rid of me. Was told that there was no record of my appointment and asked to return with the letter that was sent to me about my application.
Went back the following day and was met by a very pleasant lady who confirmed that my appointment was actually made but that their email inbox had not been checked so they missed the email!! There was also a lot of finger pointing at the operator who had booked my appointment. Not very professional, hein?!
She then proceeded with the verification of my documents. So far so good, I thought. It took her ages to finish things off and I was reassured that it was now just a matter of sending the papers off to their headquarters. What else could go wrong? Well, the nice lady made a mistake and opened another account in the branch! That meant that I wasn't going to qualify for the financial incentive as the deadline to apply had elapsed. After a few days and several phone calls to RBS, it was established that someone, somewhere had made a massive mistake and that I was not to blame. To cut a VERY long story short, I was advised by another lovely RBS representative to raise a complaint and was finally 'compensated' with the princely sum of £45.00!! They are also going to honour the financial incentive as my online application was done within their deadline date. I still haven't got my bank details and am unable to bank online.
All in all, STAY AWAY FROM THEM!. No wonder they're offering people £175 + £50 to switch. They must be loosing hundreds, if not thousands of customers with their really poor performance. So much stress and such a waste of time for a simple switch. Should have stayed with HSBC.
The branch I went to was in Vauxhall, London.
Review by Bafford2 months ago
RBS - They say it stands for Royal Bank of Scotland but after my experience switching from Halifax I now know that it actually stands for REALLY BAD SERVICE!
If you are considering moving to RBS as a new customer DON'T DO IT!!!!!
I have been effectively left without an account as the only info I have received from them is a sms giving the last 3 digits of my account number.
They have successfully closed my Halifax account but I still have not received my Debit card. All avenues that I have tried to get this information have requested some of the information that has not been provided. I spoke with a customer service agent via Chat & his approach was to keep telling me to call the switching service.
Unfortunately this was not an option at the time, so I asked to speak to a manager who also advised I speak to the switching team and advised that they are available until 19:00. When I called this team at 18:20 an automated message advised that they close at 18:00.
Review by Marsalas2 months ago
As every review on here is one star I suggest Trustpilot introduce a negative option as the current system is misleading.
RBS haven't been fit for purpose for years and just get worse every day. They are overpriced, out if touch and give appalling service.
The whole group including NatWest and Lombard are utterly useless in every respect.
The mistake was bailing them out of their self induced financial mess caused by their undiluted greed in the first place. They should have been closed down to protect the public.
This review typed and posted whilst in the queue at the Richmond branch on Friday afternoon.
Review by Dione Rodinsky3 months ago
Very bureaucratic organization. Very slow to respond to my issues. In their defense I must say they ultimately got it right. It just takes too long.
Review by Tams3 months ago
Now you can no longer pay your credit card online I have down loaded the RBS app on my phone. Nowhere can I see where yo actually pay. I have been on the online chat numerous times the last few days and again this morning and the robot keeps asking me to record my question.
If I want to call it will cost me £6 per call!!!
If I don't manage to pay before the cut off date I will most not be paying the late balance payment but instead cancelling my card.
Now do people who aren't computer literate do this as I'm struggling an complete most of my payments online with other companies.
So now I've been told that firstly you can now only pay online if you also have a RBS debit card and another's told me I can still pay with my bank card. I got one call with a voicemail asking me to call back, not doing so if going to cost me £6 a call.
Time to change credit card providers I think.
Review by Ebitech Spiers3 months ago
A few years ago we set up savings accounts for our children with money they were left in their grandparents' wills. We recently went into a branch (after struggling now to find one within 20 miles as they have closed so many) to discuss the accounts, only to be advised that they have been closed, with no letter or notification, despite being at the same address that we were at when we set them up. We have had to go through a long, irritating process to try to claim the money back, and it will still take 30 days for them to give the money back, after completing forms, providing passports etc. No reason nor apology was given and my children have lost out on interest for at least 2 years. There are plenty of banks - I advise you give this one a wide berth and hopefully they will go to the wall soon. Nothing short of "legalised" theft.
Review by Obaydullah3 months ago
It's about time RBS got there act together. My husband passed away
last month so RBS have decided to freeze business account which my son, myself and my late husband were partners and RBS have decided to stop our account meaning we are receiving no payments and cannot pay and bills. We have been told we do not have a business manager, I think its about time you got rid of all your top job guys who do nothing and bring back branch and business managers so that customers can talk face to face instead of a call centre. WELL DONE RBS YOU ARE SUCKS
Review by Sheraj3 months ago
If you are an existing overseas customer, you might as well write your money off. The word reasonable care and integrity only goes as far as it is to their advantage. Nice enough staff, but the bank policies and unwillingness to make exceptions in special circumstances is worrisome. I hope no one will go through what I did. Representing an elderly family member with failing eyesight, I have Power of Attorney over her communications emails and written letters, the point being that her wishes gets to be known through myself as her legal representative. I was actually treated as a scammer from day 1. Shame on you is all I can say