Royal Bank of Scotland Reviews 

And to think i gave up my Sanatder 123 current account, went over my limit, what limit lol, texts saying pay pay pay before 3.00pm, phoned up to close it, cant because its £1.97 overdrawn wiyh a penny interest, cant wait to bin it....rude staff to boot...

Amazing, the app is easy to use and great for managing your money, they offer overdrafts and low and even no interest fee which is great and overall it’s great to have especially with the customer support options and the helpful and polite staff team they have!

Just took out a private pension as a little nest egg, great easy navigation and informative to make decision on the investment. Cora the chat tool and agents were very helpful when I needed to make contact, response was quick and problem was solved.

Absolutely shocking. Trying to link to an account (wifes) for our joint account and being lef in a merry go round of incompetence and gaslighting. Nobody has a clue what they're doing on the phone, the app doesn't work properly and what's annoying is that they're holding on to our money and will not give it back. Probably having to go legal on this. Be this a warning to anyone looking to open an account with these idiots, the staff are not trained properly or they're trained to withold your money. Avoid like the plague.

Not helpful

Incompetent scammers!
I today have experienced the most discriminative and incompetent experience of my life! I tried to transfer funds from my RBS savings account to my lloyds current account. I done all the rigorous account details and security checks. I then went to send the money between accounts, filled out the details and pressed complete transaction. I was kicked out of the app. Logged in again and filled the lengthy rigorous bumf again. I filled out the send money form and pressed the complete transaction and again was kicked out of the app. 3 times this happened! I sent messages through this Cora messaging nonsense that reads your messages wrongly then called the customer service number. After listening to the extended nonsense I eventually got through to a helpful sounding adviser. He asked me all of the security questions to which I cleared. He then asked me how much I want to transfer and account details. This was refused!?? He then advised of trying smaller amounts to which were refused also. He then advised that I go to my local branch. I explained that this is 30 miles away and of me being registered disabled. He advised me of giving a £30 goodwill gesture to cover my travel costs. I made my way to Elgin RBS. I was presented with the most arrogant counter staff member who requested my card. I explained that I do not have an active card for this savings account. I was advised to go to the Elgin branch with ID and letters from my address. I explained this and was presented with a laughing attitude of that they'll have to order new cards and to come back in 7 days. I again explained of my ID and call centre advice. I was told nothing to do with me until you have your current activated cards! He then told me that to not get personal as not his problem! I then called the call centre from my car and told that of reading my notes that this branch adviser had treated me wrongly. The call centre then advised of doing a transfer by phone. He then offered me half of my daily limit as this was as much as I can get!?? I agreed and advised that I would take out the same again tomorrow. The funds have dissapeared from my account and not appeared on the account they are supposed to transfer to!?? This is tens of thousands of pounds!!!! I then called again a few hours later. I was asked by a foreign sounding adviser for 10 digits from my card. I asked what 10 digits, is this from the 16 digit number? I don't have 10 digits. She raised her voice and said '' 10 DIGITS''!! I Told her I don't have 10 digits. She advised of ending the call. I admittedly swore at this point. I then went to check where my transfer was and have had my accounts disabled by 10 digits kim lee ding!!! I have now been locked on the call centre landline and had to phone the NATWEST sister bank to make a complaint about my experience and been advised by them to visit my local branch 30 miles away in Elgin again with the ID that they already refused to look at earlier!! Incompetent charlatans!

Is this a delibeeate effort by RBS? Do they not have the funds to cover the transaction? Strange how my account was locked/disabled 3 hours ago due to a scam type transaction, yet they have not emailed me advising of any strange activity on my account!?? So, they obviously know who I am through the multiple security check I passed before refusing my funds! Now they are discriminating against me by disabling my RBS account!!

I’m genuinely shocked at how poorly the Royal Bank of Scotland has handled my situation. They closed my account *in error*, and instead of fixing their own mistake, they told me I have to visit a branch to get it reopened. Normally that would be an inconvenience, but RBS is actively closing down their branch network — including the one closest to me. So I’m being asked to visit branches that no longer exist or are miles away, all because of something that wasn’t my fault in the first place.

Trying to get answers over the phone has been a dead end. No one seems to have any authority to resolve the issue, and I’m left without access to my own account while being sent in circles.

For a major bank, this is completely unacceptable. If they can close an account by mistake and then make it nearly impossible to fix, I honestly don’t know how customers are expected to trust them. I’m incredibly disappointed and seriously considering moving to a bank that actually supports its customers.