Re-mortgaging with the Royal Bank of Scotland

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...

nikmacve 28.04.2004 · Read review
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Review of Royal Bank of Scotland Mortgages

Me and banks

Advantages: All round a great service
Disadvantages: None really

...of times. I'd left Lloyds after a year or so because I ran up a big overdraft when I first started working, and I'd moved onto NatWest, only for them to pull the rug from under me, forcing me off to the Co-op bank, where I stayed for quite some time, before getting into difficulties again. In every case, I'd been fairly appalled by the attitude of managers at each of these banks - they were fine when you were doing okay and couldn't wait to throw dosh at you, but as soon as things took a turn for the worse they were soon after your hide. I had grown thoroughly disenchanted with the whole industry, but then when we moved up to Lancashire, we 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...

dave27 20.11.2001 · Read review
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Review of Royal Bank of Scotland

PC Banking with the Royal Bank of Scotland

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...

lucybradly 28.01.2001 · Read review
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Review of Royal Bank of Scotland Online

Happy Banking

Advantages: Respectable company
Disadvantages: Not always competitive

...I currently am 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 in the UK. With the Route 21 Account, I can have a switch card, credit card, cheque book, and all the usual facilities, (as long as you are over the age of 18)however, with a normal bank account, I would not receive the special deals for clubs etc. The Royal Bank Of Scotland --------------------------- I think this is a great bank to be...

carol_uk 16.12.2002 (20.12.2002) · Read review
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Review of Royal Bank of Scotland

Royal Bank of Scotland... and small print.

Advantages: Local branches in most towns
Disadvantages: poorly trained staff and ridiculous service charges

...dispatched, I assumed money had been deducted from my account, but like a lot of people I put too much stock in the ?balance? function in the cash-line, 4 days later I noticed this and dumped money in to cover it. For these 4 days of £14 the RBS have charged me £56. It occurs to me that If I had to charge my clients these kinds of penalties I would be called a con-artist, a fraudster, yet the RBS do this every day and get away with it. I asked why the money had been taken out, as I consider this as an unsolicited loan in fact an illegal loan at a time where the government and the banks are supposedly trying to get people out of dept. I was informed the only other option was to refuse the transfer and charge me £35. for nothing. This I believe reflects the attitude of the Royal, how a very small initial miscalculation can spiral...

Ash599 13.02.2005 · Read review
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Review of Royal Bank of Scotland

RBS - Ripoff Bank of Sharks

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

...*** IN THE BEGINNING *** When I began college I decided to open my first bank account. I walked to the first bank I could find and signed up for their Student account. Unluckily for me, 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. *** ENDLESS QUEUES & ENDLESS PROBLEMS *** Basically, any time I have made any unusual transactions like international money transfers, RBS inevitably seem to get something wrong. It was not so unusual...

flurey 10.04.2003 (11.04.2003) · Read review
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Review of Royal Bank of Scotland

This bank is horrendous!!

Advantages: Brilliant online banking
Disadvantages: too many!!

...tried to tell us that we needed this insurance but the truth of the matter was that if we had needed to claim they wouldn't have given us a penny as we didn't own the property. After a few letters back and forth the eventually refunded £180. I really want to change banks but seeing some of the other reviews I can't really decide on which bank to choose. All banks have their flaws, no one is perfect. Certainly not The Royal Bank of Scotland. Thank you to anyone who has spared the time and the willpower to read my long review....

thejigglyone 19.07.2005 · Read review
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Review of Royal Bank of Scotland

I'm Loyal To The Royal

Advantages: Locality, staff friendliness
Disadvantages: Not open on Saturdays

...I have been a customer of RBS (now RBS/Natwest) for just over 19 years, ever since my mum and dad helped me open my first bank account. I can’t really say that I made a lot of use of the services that the bank offered until I left school and went to College. That’s when I really needed help, as most students do. I stay in a small town, and I know all the staff in my local branch. So when I went to ask them about the services they offered to new students, they were only too happy to help. They showed me the types of accounts that may benefit me in the long term, and after much deliberation, I chose a Royalties Gold account. (This is an account which RBS offers with additional useful services offered for a monthly charge of £10). With the account came a Switch card/£100 cheque guarantee card, cheque book, £500...

GavMan 03.06.2003 (14.12.2003) · Read review
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Review of Royal Bank of Scotland

Royal Bank of Scamland

Advantages: Absolutely none whatsoever!
Disadvantages: Where do i start?!?

...Where do I start? These guys are the absolute pits are far as banks go. I have been a customer with these guys for over 10 years and never had any problems until a couple of months ago. It all started when I cancelled a standing order for my rent. This was cancelled as per my request and then several days later I was charged £35 for it not being paid! When I went into the branch to query this they told me I should have cancelled the standing order 3 days before it was due to be taken. The bimbo that served me advised that the teller who served was "new" and should have advised me of this. Got the £35 back after a rather "heated" discussion with the teller. At one point they offered me a consolidation loan which I agreed to and spent hours sorting out only to be refused as my credit wasn't good enough! Why frickin' bother...

trustychords1983 06.11.2007 · Read review
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Review of Royal Bank of Scotland

RBS Direct Banking

Advantages: efficient, reliable, good value
Disadvantages: none

...The direct banking arm of The Royal Bank of Scotland is superb. I have been using the telephone banking for over two years and have not experienced a single fault. Each instruction is executed at the time I have specified, and small touches like a freephone balance check and mini statement are appreciated. The sharedealing facility is good value also. I have recently started banking by pc, and the number of security features in place are reassuring. The user interface is clear and efficient, and coupled with an online savings account offering 5% interest, I look forward to using direct banking to manage my account more effectively....

gray 17.12.2000 · Read review
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Review of Royal Bank of Scotland