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Community Level 5vassilis73


Royalties Gold Account-Royal Treatment

AdvantagesInclusive 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 do is to call the free ..." Read review

Ciao members have rated this review on average: very helpful


AdvantagesUnique bank card, interest, freebies, life lesson!!!

DisadvantagesFree 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 ..." Read review

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Community Level 1gazereth


The One Account

AdvantagesPaying off your mortgage quickly and saving you thousands of pounds

DisadvantagesYou 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 ..." Read review

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Community Level 2ali007


Student Royalties Account

AdvantagesGood interest free overdraft, nice piece of plastic, lots of branches

DisadvantagesOnline banking a chore to setup, customer service should be better

"...to any 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 ..." Read review

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Community Level 1karenarmst...


Very Poor Service

AdvantagesFine if you have plenty of cash

DisadvantagesVery 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 ..." Read review

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Community Level 1lj210701


One account - definitely the way forward

Advantagessee exactly how much your mortgage is costing, offset savings against mortgage

DisadvantagesI 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 ..." Read review

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Community Level 1Ka22a


Easy way to save money when travelling!

Advantagescheap travel insurance, 50% off top hotels, commission free money

Disadvantages£5 account charge per month

"The Royal Bank of Scotland's Royalties account is a must if you travel in the UK or abroad or if you ever use foreign currency! When you open your Royal Bank 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 ..." Read review

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Community Level 1vineet


Business Banking Direct

AdvantagesCost effective

DisadvantagesDepends heavily on postal service

"A very cost effective solution for maintaining business accounts. A nominal transaction charge of £ 0.20 per transaction, with complete access to the account online and by telephone without any extra charge. One gets a card that can be used to withdraw cash from any cash machine nationwide, and cheques have to be sent by post in prepaid envelopes supplied free of cost by RBS. However, postal delays can upset schedules especially if timing is critical. ..." Read review

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Community Level 1MAAR1


Best Bank Ever

AdvantagesPC Banking, Paying In trough cash tills, IASA Account

DisadvantagesNone so far

"...and a credit card account: The royal Gold account is very useful, in that it gives you great discounts for thousands of restaurants and Hotels around the country besides many other benifits My Instant access savings account has a useful feature, that any money over an agreed level in my current account will be transfered automaticaly into my savings account each night and when the balance drops to below this agreed amount money is transfered ..." Read review

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Community Level 1Gracelet


Students- don't be tempted by the overdraft

Advantagesoverdraft facility

Disadvantagesoverdraft facility!! lack of customer service

"I have just spent over an hour trying to get someone to deal with my RBS Student account. I was attracted to this account, like many others, because of the large interest free overdraft. Consequently, I maxed out the overdraft, stuck the money in another account to earn interest and thought all was fine and dandy. Suddenly, I get a letter from them explaining that I hadn't had any payments into my account in a while and to call them. Fair enough. 1st ..." Read review

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Community Level 2BrunetteBo...


RBOS One Account

AdvantagesOffsetting savings against your mortgage

Disadvantagestruly awful website for online banking

" I've had a RBOS One Account for around a year now, and I'd recommend it to anyone. It has really changed the way I think about the mortgage and how much it costs over the time of the loan. The One Account allows you to keep all of your savings in one account (no!) and that money gets offset from your debt. I don't have much in the way of savings but it is amazing how a little extra in there soon mounts up, and it gives a real incentive to save. ..." Read review

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Community Level 2PaulCatter...


Student Royalties Account

AdvantagesEfficient service, no charges on cash machine use, good interest rates, savings rate bonuses, some discounts available (20% off in HMV!!)

DisadvantagesFew branches on University campuses, even fewer of their own cashpoints.

"...INTO debt, I chose the Royal Bank of Scotland. They have provided me with a consistently efficient service, good interest rates on credit balances, and an interest free overdraft which is totally hassle free. The bank is often overlooked by many people these days, especially us youngsters. I would definitely suggest investigation if you are looking for a student account, as they will not muck you about, and, oddly enough, you still get the personal ..." Read review

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Community Level 1bim



AdvantagesOK Policies

DisadvantagesBAD BAD BAD services!! Not a clue at all!!!!

"I have been a customer of the RBS since I was 17, and had a route seventeen account. A year or so later, they informed me that I could now change my account to a student royalties account as I was a sixth form student. I did so, and they promised to send off the Student Royalties pack with information on how to use all the fantastic offers I could now enjoy. I did not recieve this, and I also did not recieve my paying in book, or cheque book, or cheque ..." Read review

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Community Level 2laurypascu


Route 15 account

Advantagesgood interest rates for young people

Disadvantages No chip and pin

"I had been with Royal Bank of Scotland ever since i was born when my parents set up my first account. I didn't really use the bank very much until i was fourteen and I got my first paper round and so i relied on it to ge my wages out. I have to say that the money was put into my account almost straight away and the interest rates were good because i was a young person and it is an incentive to get you to save your money. Every three months there was ..." Read review

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Community Level 1Aishasalem


RBS = Rude and Poor


DisadvantagesRubbish service

"RBS phoned today and without prior warning demanded I pay half my overdraft immediately! I tried to negotiate paying in a day or two, but they insisted on paying in over the same phone call! They said otherwise they will send a letter demanding FULL payment of the overdraft in 28 days! I just graduated a few weeks ago, and went into a branch to discuss my account with one of their "professionals". He assured me I can pay it over 12 months, but spent ..." Read review

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