... They had the Royalties and the Royalties Gold Account. With the Royalties was included an Accidental Death cover of £5000 along with other benefits. With £10 you have £10,000 accidental death cover (of course £10,000 its not much but is ok for my circumstances).I was tempted.
I was paying ... Read review
Advantages: Inclusive annual travel insurance,free membership of Virgin Wines Club,25% off theatre tickets etc Disadvantages: £10 a month
...I received a package from Royal Bank of Scotland. The package had 2 Royalties Gold Membership cards, a Travel Insurance and Policy Document, a 56 page Service Guide and a 200 page Royalties Gold Member’s Guide to Hotels & Restaurants.
What is Royalties Gold Account offers:
Discounted personal loans or car buyer’s loans. Up to 1.5%APR if the loan is over £3000 and 1% APR off smaller loans. They only thing you have to ... ...on Stakeholder Pensions offered through Royal Scottish Assurance ( the bank’s life assurance, pensions and investment company )
Discounted online and telephone share dealing.
That’s great if you are following the Stock market. They are giving 20% discount on standard commission charges. You can trade online or by telephone. The telephone service offers: real time share price quotes, set a limit and your shares will be traded ... more
Recently I had to go through my accidental Death insurance and as I was trying to see through my banks digital banking ,how much money they have taken from my account I noticed that they had some new - to me anyway- accounts. They had the Royalties and the Royalties Gold Account. With the Royalties was included an Accidental Death cover of £5000 along with other benefits. With £10 you have £10,000 accidental death cover (of course £10,000 its not much but is ok for my circumstances).I was tempted.
I was paying £5.25 per month for my accidental death insurance and with £4.75 more, I had so many other benefits as well. So there and then, very easy, I change my simple current account to Royalties Gold.
After 10 days I received a package from Royal Bank of Scotland. The package had 2 Royalties Gold Membership cards, a Travel Insurance and Policy Document, a 56 page Service Guide and a 200 page Royalties Gold Member’s Guide to Hotels & Restaurants.
What is Royalties Gold Account offers:
Discounted personal loans or car buyer’s loans. Up to 1.5%APR if the loan is over £3000 and 1% APR off smaller loans. They only thing you have to do is to call the free helpline and quote the membership number or go to the local branch. (I am not going to my local branch because the customer service is really bad! They have some new employees now and I hope that they are better that the other really unhelpful staff.)
Discounted credit card rate.2% APR off standard credit card rate along with 0% introductory rate for the first 6 months on purchases and balance transfers. Also you can collect Air Miles.( 1 Air Mile for every £20 pounds you spend with the credit card)
They are offering 0.25% interest on a range of savings accounts as well.
OVERDRAFT. You don’t pay any fees on agreed overdrafts of up to £15,000 but there is of course a low rate of interest. For overdrafts up to £250, if you have an agreed limit of £250 or more , you don’t pay any interest at all. I will definitely take advantage of it!
Special terms on Stakeholder Pensions offered through Royal Scottish Assurance ( the bank’s life assurance, pensions and investment company )
Discounted online and telephone share dealing. That’s great if you are following the Stock market. They are giving 20% discount on standard commission charges. You can trade online or by telephone. The telephone service offers: real time share price quotes, set a limit and your shares will be traded automatically, if they reach your chosen price within 25 days(excellent service that really helps you to make money) and you can settle your trades by Direct Debit or through Direct trader Cash Management account (the second will cost you more). The online service offer all the above plus live portfolio tracking, price alerts when the your shares reach the price you have set. Virtual portfolio service that allows you to try new strategies before you committing your founds.
Travel Inclusive worldwide annual family travel insurance which I found it excellent. Its free if your holidays or business trip last up to 31 days. For more you have to pay some extra. Once you have taken the Royalties Gold account you don’t need to do anything about it because you are automatically registered for this benefit. It even renews itself each year. They only want from you to take your “ Travel Insurance Certificate and Policy” document with you wherever you travel. Its very easy to make a claim. After a telephone call they will send you a claim form. You are completing that and sending it along with the your “ Travel Insurance Certificate and Policy” document, which they will return it to you later, and that’s all.
10% Discount on holidays and travel. Package holidays, tours or cruises operated by any licensed major tour operator(no direct sales companies). Scheduled and charter airline tickets, ferry travel tickets, car rental reservations, hotel reservations.How it works? You call free the Royalties Membership Services and you are giving them your membership number and you will be connected with a travel consultant. You are telling them where you want to go and the departure dates and after you have agreed with the arrangements you make a deposit with debit or credit card or by cheque (will be confirmed after it has been cleared though).After they will send you an invoice and you will receive the tickets and travel documents two weeks before you go.
Access to airport executive lounges. If you book your travel through the above service they will send you one complimentary admission voucher with your travel tickets for use on your outbound journey. This voucher states the lounges’ location and covers all members of the traveling party. You go to the lounge and simply present the voucher to gain free entry. There you will enjoy free drinks and snacks and fax and photocopying services. Some of the lounges available are : Heathrow, Luton, Manchester, Edinburgh, Newcastle, Glasgow, Birmingham, Gatwick etc.
Commission Free Travel money. You call them or you go to your branch and they will have them ready for you in two days the most.
Discounted hotel accommodation. In the pack they sent me, there is a booklet with 1,200 quality hotels in the UK and Europe where you can claim 25% off normal room rates.
Worldwide cash transfer. With a single call you can get up to £1000 in local currency or the available balance on your account. You are telling them where you are and they arrange a convenient pick up point.
Leisure. 25% off a wide range of restaurants, Wine Club (you join for free Virgin Wines Club.It cost 50 massive pounds that membership!!) 25% off theatre & concert tickets, Family days out discount ,Event Reminder service (very cheesy) To access these benefits all you need to do is call the free phone of Royalties Gold Services
Protection Payment card protection, £10,000 accidental death cover Lost-key retrieval service, 90 day purchase warranty, 10% discount on Home Insurance.
Home & Car Car Insurance with inclusive breakdown cover 10% off tyres, sock absorbers, batteries and exhausts and 50% off MOT at over 350 National Tyres and Autocare outlets throughout the UK.
Discounts on telephone bills (they send you -you have to call them and tell them that you want to have that service- a free dialer that you can connect to your phone and then dial the number in as usual and you will get 40% off the cost of national calls in the UK, up to 85% off call abroad, and up to 14% off calls to mobile phones. When you will received it you will have £5 worth of free calling credit. Discounts on selected CDs, videos, DVDs etc ,20% off Books.
Finally its very easy to manage your account if you register for Digital Banking. The Internet banking service lets you use your PC or Mac, your desktop or your laptop to do your banking and also you can join Direct Banking, The Royal Bank of Scotland’s 24 hour telephone banking service. I really like that account.Corresponds to my everyday needs and the same time I am enjoying so many benefits. If you are banking with Royal Bank of Scotland, I recommend Royalties Gold Account.
Thanks for reading. Vass
PS. They dont support directly the Greek economy...but wait a minute...they support me!!That means I just found another way to support the Greek economy!!!
Advantages: Unique bank card, interest, freebies, life lesson!!! Disadvantages: Free texts only available on Orange.
...found the perfect one from Royal Bank of scotland.
The REVOLVE account is specifically for 11- 18 year olds.
It took a while to finally register, but only because they are very detailed about identity details needed to join, which to me is a very good thing.
The benefits are really good. He gets 3.5% interest on money paid into his account , also there are discounts available such as cinema tickets, rail tickets and mobile phones.
If they have ... ...they can get free texts and ringtones when they top up at certain cash machines. They need to top up 6 times and after the 6th time, details are sent showing them how to claim 150 free text worth £15, same with ringtones.
This is the only drawback as my son is with 02.
The cinema discount are for The Vue (you need to check certain films and venues available) and the discount is 2 for 1.
If they are over 16 they can get 25% discount on a years ...
deviloxo 07.01.2008
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Ciao members have rated this review on average: very helpful Review of Royal Bank of Scotland Accounts
Advantages: Paying off your mortgage quickly and saving you thousands of pounds Disadvantages: You need a lot of common sense and future vision to benefit from this account
...it up at my local Royal Bank of Scotland. As for the common sense approach to this account. You can take payment breaks when you like, take more money out on your house and buy a car, holiday or home improvements, as long as you pay the interest the One Account are happy. But I can not emphasise enough that if you don't pay the debt, then you will stay in debt, it is the same no matter if it is a credit card bill or £100,000 on your house….the debt ... ...am not going to harp on for ages about the pro's and con's of this mortgage, but the smart money is held in these accounts, and as long as you are careful, sensible and have a desire to actually own your house one day then this is the best form of mortgage ever, it really is that simple. Feel free to read reviews about these guys not passing on interest rate cuts etc, SO WHAT!!! Come on, in reality these days of petrol price hikes and food price ...
gazereth 15.05.2008 (28.10.2009)
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Ciao members have rated this review on average: very helpful Review of Royal Bank of Scotland Accounts
Advantages: Good interest free overdraft, nice piece of plastic, lots of branches Disadvantages: Online banking a chore to setup, customer service should be better
...of my enquires.
The Royal Bank of Scotland's student Royalties account was recommended to me by a friend, however I wasn't too keen as a year earlier I had tried to open a current account with them and was dismayed with the way I was treated by staff, and abruptly left the branch. This time I was more determined to open an account due to their excellent interest free overdraft - up to £2000.
The account comes with the all important switch card ... ...card itself is available with a laser etched signature and photo ID, to combat fraud and is offered free of charge.
Other bonuses include: Student belongings insurance, lost key retrieval service, discounted CD's DVD' & books, concert tickets and much more besides. There are also various loan schemes for law and healthcare students, and of course telephone and digital banking are thrown into the pot.
My only concern has been with the time it takes ...
ali007 15.08.2001
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Ciao members have rated this review on average: very helpful Review of Royal Bank of Scotland Accounts
Advantages: Fine if you have plenty of cash Disadvantages: Very high charges, staff that will say anything to get you off the telephone
...was recently treated by the Royal Bank of Scotland recently. I have also had a similiar problem in the past on two seperate occasions so it must be fairly common. My boyfried has had an account with the bank for the past 9 years from schooldays to post university. He has also had a hefty authorised overdraft mainly accrued from his student days. Two weeks ago he went to withdraw cash from the dispenser only to discover that his overdraft had been ... ...happen and no notification afterwards to say that tha facility had been removed. On telephoning the bank he was told he could have the overdraft facility reinstated and this would be in effect from the next day. When he went to the cashline machine the next day he was still unable to acess any money so he telephoned the bank again and was told his overdraft could not be reinstated and he would have to wait two days to speak to a customer services ...
karenarmstrong 13.08.2000
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Ciao members have rated this review on average: helpful Review of Royal Bank of Scotland Accounts
Advantages: see exactly how much your mortgage is costing, offset savings against mortgage Disadvantages: I haven't got a local branch!!!
I have had my RBOS One Account now since April and I think it is great. I have lived in my house now for five years and changed my mortgage 3 times, I am one of these people that doesn't like to waste money and if I think that I can get a better deal elsewhere I will do it, there is no room for loyalty when it comes to mortgages you don't get any rewards nowadays for being loyal. I had been loyal to Natwest with my current account for about 20 years ... ...and I opted to try the one account it was so straight forward I had a flyer on it and called them with my last mortgage statement and it had everything they needed to know, I also gave them my current account details and they did everything for me including changing my direct debits and standing orders over. I do most of my banking online and I find there online service brilliant it has all the information on it I need it isn't great when you go ...
lj210701 14.10.2004
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Ciao members have rated this review on average: helpful Review of Royal Bank of Scotland Accounts
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This account is a must if you travel in the UK or abroad or if you ever use foreign currency! When you open your RoyalBank of Scotland 'Royalties' account you automatically become an Entertainment Member, which is a world wide organisation giving you up to 50% discount on hotel bills. You can use it in the UK and most other countries in hotel like Stakis, Jarvis etc. Also any foreign currency or travellers cheques you take out with a Royalties account are commission free and you are given access to really cheap travel insurance too.
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The Abbey National's level of service never ceases to amaze me. Not only are they reliable, but their handling of account transfers and moving money between accounts has been top rate. Having held a Millennium Bond, which was an excellent scheme, I knew that upon maturing I would have to move some of the money to various other banks. The Abbey National sent out forms well in advance and set clear closing dates in order for money to go into other accounts on time. The money went through without a hassle and when the RoyalBank of Scotland asked for a confirmation about a sum that was due to go into my account, the Abbey National faxed them whilst I was in the branch and asked them to phone back straight away to confirm that everything had gone through. They were very helpful about what to do with the remaining balance of the account ...
Morgenhund 30.07.2000
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Advantages: Excellent range of products, good customer service Disadvantages: High charges on US dollar account
I switched all my accounts to the RoyalBank of Scotland about three years ago after many years with NatWest, Lloyds and the Co-op and I've been pretty chuffed with the results - these guys certainly know what customer service means and I've now transferred all my business to them.
They'v even enabled me to open a US dollar account which I needed, although the transaction charges are pretty steep on it, suppose that's the price of success, though.
The realy good thing I've found though is their Internet banking service which is top notch.
I had a few problems a while back and had to reformat my PC so I hadn't used the service for a while, but when I contacted them to ask them to get me back on line they were absolutely outstanding - a bit different from the shoddy service I got from BT when I had problems with their Internet service ...
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