The Royal Bank of Scotland Reviews 

Avoid
Tried to open a business account - 16 days and nothing, a guy from India was assigned to support, no support at all. Disgrace.

Had a credit card with them for years, missed a payment as was away had no internet paid one day late and got charged £17.50 interest! No where could I find a way of contact Eventually made a complaint not heard a word Tried to phone was told was next in queue but waited 20 mins phone bill showed that cost me £10 mobile wouldn't accept their phone number!

Long wait times every time I visit the Ayr branch…

RBS 100% are the best specially the sheffield branches and the call centre staff. Thank you for everything RBS and we are truly grateful.

Have been customer since 1977. Service was pretty good, back then, now it is execrable . Sent me a text ""your current account overdrawn", ( first time ever) internet down, so had to drive into town, to sort it out.
At what is supposed to be a main branch, one teller, working, with a que , used machine in bank, hard to understand, but got there and yes I was overdrawn , by £0.007 pence . I complained, machine would only accept one ten pound note, then aperture closed, was told to have a seat, until, the one teller was free. Sat for ten minutes watching her sift through numerous papers being presented by frail elderly couple, no seat provided at till, teller had to go get chair for the lady . Gave up, went home, awful bank.

I had a nightmare with Lloyds who wouldn’t return £12.8k to me. (Paid onto the wrong card). Lloyds said it could take upto 8 weeks to look into it. I contacted RBS who got my money back in 2 days.

I only use this bank to pay bills it's not my main bank I moved my banking elsewhere as I found it impossible to get even an overdraft from this bank friends and family have also either moved or on my recommendation sought banking elsewhere I find this bank useless

Shocking! I have been a customer since 1976. Today my wife tried to open her own account,over the phone,as we were told when we walked into our local branch ( a 30-minute drive away.) The phone call was a nightmare,transferred from N. Ireland to India. We were told to open the account on-line,but we are pensioners,and find this difficult. They were useless,and we shall go elsewhere.

A complete and utter waste of time. Carried out a chargeback as an item i purchased failed within 6 weeks of purchasing it and it also turned out to be counterfeit. The RBS rejected my claim and said there was nothing they could do to help. Do not trust them or rely on them to help you in your hour of need. Ive lost £220 because they WOULDNT protect a customer. Disgraceful

I visited the branch at St.James Quarter in Edinburgh. I am very pleased with the bank's service, the employees have knowledge, they were able to help and explain everything. One of the few teams that have knowledge.
It is professional team.

I got scammed by an Australian visa company for £1200. RBS refunded me while they investigated the company. The company by then had disappeared so the RBS took the money back off me. I phoned up every day and spent hours on the phone trying to speak to someone to sort out and no one would come to the phone. They promised a call back within 24 hours and no one called then they closed the case and said there is nothing I can do about it now as the case is now closed. I made a complaint and they said they would give me £50! What an insult! They still haven't even donen that!

I have since moved banks which I have been wanting to do for years. So glad I have finally made the move. DO NOT bank with them! Your money is not safe!!!

I wish I could rate this review below 1 or give it a negative score. I have been struggling to protect my savings from online fraud, and this bank has done nothing to help.
It’s such a shame, especially since I was promised assistance but ended up not receiving a single penny.
This is the worst bank with the worst system.

I will be closing my account after last incident I’ve had problems with this bank from the word go. Locked out of accounts due to staffs illiteracy as they typed my details wrong then said I must have got my name wrong. Reading my pin allowed in front of other customers and most recently unable to stop a hacker stealing my money before it even left my account I noticed a payment pending to a ‘hacker William’ I had 8 minutes to stop it and rbs point blank refused to stop the payment asking if it was me if I had bought Anything if I was the hacker,absolutely ridiculous they then told me it isn’t fraud or theft until they have my money I was pretty much pleading with them to stop this from happening I thought your bank could protect you we both watched the money leave my account she then said review your payments and take it up with someone else then hung up. DO NOT BANK WITH THIS GROUP AS THEY TOLD ME THEY CANT STOP SCAMMERS TAKING YOUR MONEY P.S
I was hacked through no fault of my own I didn’t purchase,click,subscribe to anything and no one has access to my account other than me they hacked my Google and Amazon accounts and just started requesting money and my bank willingly obliged

Phoned them yesterday to get direct debit stopped so I had money left for food and emergencies but today they took it out and left me overdrawn with nothing left, tried phoning them but got hit with excuses…. Piss poor service that is supposed to help people in financial difficulties but put people into more

On 10ish found unauthorised charge on my credit card £265. Reported it and sent letters as requested. Later phoned and it as confirmed charge would be refunded within 10 days. Still no sign of my refund .tryiny to log into the mobile app is a nightmare. I have been locked out three times.i have difficulty reading the code sent on my phone. I just want my money back. Are they trying to be awkward?

Absolute worst of the worst - I committed the heinous crime of changing my mobile phone number and whilst trying to access services via the app my account was locked out so I can’t get access. When I tried to speak to someone about this to get it resolved; I’m faced with a moronic bot - RBS must have got the cheapest available; and after five minutes of automated Q&A’s we finally get to the point where a decision has to be made about my initial request - reason for calling - to speak to an advisor. By which time unless I have my access details (which RBS have now locked me out of) my request can’t be taken any further - Godbye. Well they got that part right as it’s now goodbye and good riddance from me as I’m off to HSBC

With RBS for years, including the One Account mortgage and have been at least ok. However, now that One Account is fully transferred to RBS it can be accessed digitally, just like my other accounts. (except I now a TWO customer numbers!!) But can I see it in the App? Nope. Can I add it to the App? Nope. Can I contact a person to try and sort it out? Nope. I tried to use desktop access to move cash from One Account this morning to my own Current Account, which the system was able to verify, but then stalled. So that's also a Nope! Now having to write a cheque to myself and pay in using the App. As for using Cora for help? Nope!

Is it 2025, or 1925?!

Very disappoinnted inn the way RBS has declined inn customer support. CORA is basically a guide for the simple to use their services pretenmding to be a useful support function. It cannot handle complex questions that support should handle and used to be dealt with by humans

Was told the wait time was 35 minutes.

Waited over 1 hr only to be put through to another department and be placed on hold again.

I understand sometimes the lines are busy, however why state 35 minutes.
Why not state calls are taking over 1 hr and to call back in less busy times.

Or just have automated buttons to press to send you to the right department.

I will be cancelling my account with this company.

Very poor RSB

Dreadful experience 2nd time in as many weeks. Systems are flawed and customer call handlers unable to assist. Was told to go into branch and have now been waiting 20 minutes and still no assistant avaliable to help. I am loosing the will to live. Will be transferring my business to another bank who can offer a more professional experience........so, so angry!!!