Royal Bank of Scotland Recenzje 

Changed my mobile phone number. Had to speak to customer services to update this. I had to remember my old number if I was able to pass security checks - didn't matter about date of birth, account number, address, online banking user number, online banking pin etc. I now can't access the app for three days "for my own security". I'm having transactions declined which shouldn't be. I have no way to check. The app tells me I can use online digital banking. I can't as that wants me to verify in the app. This is completely unacceptable and ridiculous. My payment details have either been stolen and I can't verify or I haven't left enough in my current account to cover bills due. I'd change bank but I fear they're all like that.

rbs have frozen my account yet again - online note says go to digital help - but no where on home screen does it say digital help - i've applied for yet another fff pin number and they'll probably fereeze that too - chat bot is useless.
I hate RBS from what used to a brill high street back to now a ai version of shadowy deals and confusing service - hate them so much

Been with RBS for 40 years; i had a recent issues with a scammer taking money form my credit card; then RBS would not refund me; im a absolutely shocked at them for their behaviour

For normal day-to day banking RBS is fine. For anything even slightly different it's a different story. I'm the treasurer for a club account. We use online banking and RBS have linked access to the club account via my personal account. After 10 yrs in the job I am standing down and want to pass the account over to the new treasurer so don't want to him to see my personal account. It can't be an unusual situation but RBNS make it so difficult. After a number of attempts for advise, and being given the wrong answers ( the Universal Mandate may add the signature but it doesn't transfer the account) I am now in a 'sit back an wait' queue. First the new treasurer has to become a signatory which takes ages to process. RBS have advised that until this is done the account can't be transferred to the new treasurer and they will tell me when it's done. Surely there must be a more efficient and customer friendly way of doing this.

I did the so called stress free bank switch this happened yesterday I’ve been left with out a card or any banging info my link cards for payments have failed costing me a late payment charge not a good start todo business

I gave one star because I can't select none.
I have been with this bank for over thirty years.
I have a superb credit rating and have fully utilised mortgage and loans as required with zero defaults in payments. I happen to have a sizeable amount of cash and credit lines available. For my convenience I requested an increase to my overdraft facility for three weeks. The computer said No. I contacted a person, she said No. I raised a complaint, she said No. Apparently there are no branch manager equivalents available in the entire organisation who could spend minutes looking at my impeccable record and authorize a revenue earning facility.
So my 30 years allegiance means nothing.
I now know if I should actually need help from my "bank", it would not be there.
The bank have no staff other than script reading numpties sitting in front of a computer that tells them what to say.
Guess what? I'm taking one of the more flexible banking options.

Check the small print of their fraud protection; they don’t cover you for cash, debit transactions, credit transactions, cheques- literally no means of payment from an RBS account is protected against fraud and scams, and they won’t try to help you, follow their own guidelines and advice, or provide support.

Use the cash machine today to get British pounds from euro. 3.99 of access fee plus 14.75 % fee. I did not have time to look for another bank but this is a rubbery ! Won’t recommend this bank to foreigners traveling to the uk! « Service » provided by cashzone cardtronics uk !

Awful bank. Awful customer service. Awful app. No help, raised 3 requests. No response. Cant speak to a human!! Terrible!

Worst technology in the sector. If you need to alter devices make sure you have all the details you need. Despite pushing customers to online banking they still can’t provide a service that is immediate resolution. 24 hrs to unlock your account now is unacceptable in technology terms. Don’t use their digital platforms.. in fact go elsewhere you get a better service..

Really annoying as I was trying to do the on line business switching. They offer forms that I've downloaded umpteen times on both my phone and pc,it doesn't open on the phone and the pc version won't let you submit it. The Cora chat is just going in circles to bring you back to the same info over and over again. Phoning up takes ages to spk to someone. Think I should stick with my current provider as this is far too time consuming and complicated. There's no e mail address to send an enquiry, it either Cora or what's app and you don't get the answers.

Should be ZERO stars.
Have had trouble from the digital banking system when trying to log in, finally got a letter saying they were closing my account, so I queried it as to what was happening,. Tried talking to their AI (CORA)- went round and round and round in circles, got nowhere. It then offered me to talk to a "human" but to do this I had to log in - what the heck this is what I was trying to do......I gave up.
In the letter they told me I could go to the branch - THEY HAVE CLOSED IT, so NO I can't.
They then suggested I go to Nat West - this is miles away, I do not drive, cannot walk far - PRETTY POOR CUSTOMER SERVICE.
They offered £50 to be paid to my account as a good will gesture - that's fine, how can I get access to it when my card DOES NOT WORK - can't even use it in the ATM or shops, I can't get to the bank.
Never know such a pathetic attitude from a bank, nothing but ignorance and apathy.
I will certainly not be giving them any of my money when my investments pay out - that's 100% certain.

The WhatsApp conversation with the operative was very helpful whilstI was taking on a bank account from a deceased member of my organisation. Unfortunately the whole Digital Banking product is utterly awful. The help system is circular, the help assistant (Cora) refers you to forms which refer you back to Cora and you end up going round in circles. My account was locked out and I could not unlock the account using the online form - I needed to specifically call the Helpdesk (long wait times). Having gained access to my Business account finally, I am not able to make any payments without setting up Biolmetrics, however I'm told that this can't be done until I've acquired a few weeks of using the mobile app for 'Security' reasons. What bank account doesn't allow you to make payments for weeks after being granted access to it? Utterly abysmal product. I will be moving my business account elsewhere as soon as possible.

The Royal Bank are favouring new customers whilst ripping off existing loyal customers.
Their website currently lists 7 different credit cards, one of which is simply called the "Royal Bank Credit Card".
It lists the benefits of no annual fee and no foreign currency transaction fees.
I have the same "Royal Bank Credit Card" which I have had since 2006 and have to pay foreign currency transaction fees, and in fact had to pay a total of £108.36 of these fees last year.
When I queried why I was being charged these fees when it was exactly the same card, I was told that mine's was a "legacy" card and therefore had to pay the fees.
In other words, if you're a new customer with no history of ever having banked with RBS you can benefit from no currency fees, but if you'e a loyal customer (I've had a current account with RBS for 46 years), you're not eligible and they can gladly rip you off.
I asked if I could switch from my "Royal Bank Credit Card" which charges these fees to the "Royal Bank Credit Card" which doesn't charge them, and was told it was simply not possible.
My circumstances recently changed and I have retired with a small company pension but most of my income comes from interest earned from bonds and ISAs which RBS says don't count as regular income, and have therefore told me I'm not eligible for a credit card that I have already had for 20 years and pay off in full every month!

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!!