Royal Bank of Scotland

Advantages: They provide the best on-line banking service
Disadvantages: Too many to list

...it turned out to be Royal Bank of Scotland. Being a little biased and overpatriotic I thought it would be a good thing to join a Scottish bank. They even claimed that they would offer me 20 pounds if I joined them so how could I refuse. Sadly, this bribe payment never actually appeared in my account, despite all the complaints. Mistakenly, I continued to use them ever since, much to my disappointment on many occasions when dealing with them. *** ...
...I have made any unusual transactions like international money transfers, RBS inevitably seem to get something wrong. It was not so unusual for them to make discrepancies in any transactions made and even make simple mistakes like charge me for a service that is meant to be free. I believe this must be due to the lack of staff at any given branch and also because of the lack of training. The queues are horrendously long and when I look into other ... Read review

Advantages: On balance, service received has been adequate
Disadvantages: mindless bureaucracy when it counted

...my little experience of the Royal Bank of Scotland MasterCard service, which came to its crescendo last week. Now I have had the Royal Bank of Scotland card for years and years. Eight or nine I guess. Customer service in all that time has been fine. It must have been because I cannot remember anything to tell you. My statements arrived on time; I never had any issues with missing payments, strange debits, the call centre, or the ever increasing ...
...than I actually owed the Royal Bank of Scotland. This left me £200 in credit with RBS. I phoned and asked for a refund on at least three or four occasions over several weeks before this was resolved. It was especially frustrating as I had just taken redundancy and was trying to balance my income and expenses. Anyway, my latest customer service experience with the RBS has left me no longer a customer at the Royal Bank of Scotland. I moved house you ... Read review

Advantages: All round a great service
Disadvantages: None really

...got a mortgage from the Royal Bank of Scotland and opened a bank account with them and the last four years have been a revelation - finally a bank account that worked, managers that cared, staff that knew the meaning of service and a series of products that actually made sense - PARADISE!! These days we've got an excellent relationship with our bank and they have worked closely alongside us to review our financial position and have made arrangements ...
...Internet schemes, I have two Royal Bank credit cards, and a mortgage account. We are also customers of Direct Banking By PC, which is the Royal Bank's Internet banking service. I used to have a business account as well to take credit card sales for Internet stuff, but that got fairly expensive so I closed it recently. I'll give you a run through all of these, but what I'd like to say first concerns customer service at the Royal Bank. I can only ... Read review

Advantages: Respectable company
Disadvantages: Not always competitive

...an account holder with The Royal Bank Of Scotland. (RBS) I am happy overall with the way in which they help me handle my account, and I have no hesitations in recommending the RBS to anyone else. My Account ---------- I currently have a Route 21 Account, which is for people aged between 16-21. This is normally a very popular account with students, as when you are in this account, you are entitled to many offers, ie free entry into loads of top ...
...clubs etc. The Royal Bank Of Scotland --------------------------- I think this is a great bank to be with because you know it is a company that is highly trusted and very reputable. In all of the RBS banks that I have been into, the staff are nice and friendly and the banks have a friendly, calm atmosphere. The General Staff service is good, they are efficient and professional. Stuck For Cash?? ---------------- If you are in need of money, The ... Read review

Advantages: Range of products, staff can be helpful
Disadvantages: lack of communication

...Accounts I joined the Royal Bank of Scotland in 1994 with a student account at their branch in Middlesbrough. Staff there were very helpful and explainned everything to a novice banker. The account carrys an interest free overdraft of up to £2000 which I didn't need until I became a post-graduate and had a lot of other debts. By then I was living elsewhere but quick phone calls to the bank always resulted in the overdraft being increased until it ...
...with most high-street banks the Royal Bank offers personal loans. Typical rates are about 6.8% but you get a better deal if you are an existing customer, ideally with a Royalties account, or if you apply online. In 97 I asked them for a career development loan to fund an MA. At the time only Barclays, RBS and the CO-Op offered this sort of loan. RBS refused me, despite my pleading and existing account.. They didn't explain their decision either. ... Read review

Advantages: Friendly personal service.
Disadvantages: None that I know of!

...I've been a home-owner now for about eleven years: bought my first house as the market hit rock bottom and and am still there. Naive as I was then about financial matters, I took advice from a professional and ended up with an endowment mortgage. I expect you can guess what happened next. Actually it wasn't that bad: I still had fifteen years to run on my mortgage and am young enough to get another 25-year mortgage. So that's what I decided to do. I have banked with Royal Bank of Scotland ever since they took over Williams & Glynn's Bank nearly 20 years ago and while I've had other bank accounts as well, both personal and treasurers' accounts for some clubs I've been involved in, as well as building society accounts, RBS have always won hands down when it comes to customer service and helpfulness. Also, and this is VERY IMPORTANT, you... Read review

Ciao members have rated this review on average helpful

Advantages: You'll never need to visit your bank again.
Disadvantages: Security errors when they arise.

...I had been using the telephone banking service offered by the Royal Bank Scotland (RBS) for a number of years, when they launched their PC Banking. Being relatively new to the internet I was weary of signing up, although knowing how easy the telephone banking service was I decided to give it a try. The PC banking registration was fairly simple and the security steps in place are reassuring. The additional bonus of this service is that you can use the facility on one or more machines but each with a different registration code. I found this very useful as I can use the service in two places with the confidence of total security at each. Once I started regularly using the service I realised there were a few areas that could be improved and over the past year they have and the options available have made PC banking as easy... Read review

Ciao members have rated this review on average helpful

Advantages: friendly staff, ollie tokens (loads more)
Disadvantages: none

...The Royal Bank Of Scotland are a great bank who do all kinds of reward schemes and freebies. I have cashclub acount and when I opened it I got a free "ollieorganiser" I have got casline card. A "payinlog" bank book. I also collect "ollie tokens" and exchange them for Ollie Goods. I think the intrest is about 4%. This bank is great I would recomend this bank to anyone. If I compared this acount to my alliance-leicester Firstsave acount The Royal Bank Of Scotland wins hands down. This acount is desingned for 7-11 years old. You can not set up standing orders or direct debits from the cashclub acount. If you are 12-15 years old you can get the route 15. The only differance is you can get more money out of the cashline machine. And a cheque book. Cheers . Joe.... Read review

Ciao members have rated this review on average somewhat helpful