Royal Bank of Scotland Business Reviews 925

On 8 AUG 2023 they blocked me from accessing my digital banking and they disabled my RBS app on my phone. I called the bank 3 times and every time I got some random girl in Asia saying I cannot speak with anyone, but I have to e-mail fpscustomercontact@.... They said nobody would speake to me even though I walk into a branch, I can only e-mail this address. I did e-mail this address immediately, there is no reply and I do need to access my funds and make payments (nauseating that my mortgage payment goes out of this account, as well as other important direct debits). I submitted a formal complaint on the RBS website via the online form (which was well hidden, I had to really dig for it). Re-registering for digital banking does not work, as the system rejects me. I have been a customer since 2011, it looks like this is worth nothing to them. I have not experienced such moronic customer service in my life, and that too from a well established bank (or is it ?). Needless to say, I have been moving my banking to another bank. I am finished banking with RBS. What they have done is beyond appalling.

Customer since 1963. Attracted by interest rate decided to transfer 2 maturing ISAs to RBS.
1. the application form didn't work. After 1/2 hr of chatbot and then online person told to clear cache and cookies. Worked
2. the from says you have to put £1000 new money from £20k Allowance to open an ISA to transfer into.
3. Gave up the online chat asking about this after going round in circles with assistant's who wouldn't understand the problem and after 1 1/2 hrs gave ma a telephone number.
4. That telephone has now been on hold over an hour.

They are terrible....
a while back they took 3 nonths to open a current account for my 17 year old Ukranian guest who is a college student.

Closed account, no responses, awful support

Tried many times to open ISA on line. After working through the options all I get is “Sorry, this service is not available at the moment. Please try again later.” Tried phoning - automatic answering service told me to apply on line. Asked to speak to human and was put on hold. Then offered call-back which I accepted. Phone rang and when I answered I was told I was in a queue! Human eventually came on, apologised and said she would transfer me to someone who could open the ISA. Interminable wait - had to give up and get on with my life. Totally unacceptable poor service.

I complained to RBS 6 months ago and have been chasing a response to PHO-0354232123 but just keep getting email replies that it has been passed to the appropriate department. I suppose I will end up going through the Ombudsman but it is so frustrating when you are just ignored given the obscene profits they are making.

I should praise Wise, Revolut, Starling, and N26 who I use and are streets ahead in comparison...

But when this incubant offered a good rate, I had to have a go.

Into a big black hole.

1 week after my ISA application and waiting for news of progress, having been told to expect email or text within 5 days - I tried the number I was given to call and after being redirected 4 times, told to wait 1-2 working days...

So i understand the importance of fraud safety etc but RBS really dont have a clue what they are doing. My account was blocked due to susspicious activity which i dont really have a problem with, what i do have a problem with is the fact nobody had informed me that my account was blocked so no money could go in or out, when i tried to deal with it originally i was told it was just that i had incorrectly enetered my pin so i could re register for online banking, i done this several time and it didnt work, this didnt work because my account was actually blocked so again told to do something that was pointless. I was on holiday in the uk at the time so when i phoned i was told i would have to provide photo id, i said i didnt have this but when i scrolled through my phone i had a photo of my driving license saved so she said thats perfect sent that to this email address along with a selfie and your account numbers so i did this, i phoned them back to say i had done it to speed up the process to which i was told this service had been stopped for over a year and they no longer offered that, at this point i thought have i been scammed (i hadnt all this was done via the online chat on rbs and everything was confirmed through direct phone calls to the fraud number on rbs) but they did have me send sensitive details to a email no longer in use that doesnt sound safe to me. Any way i was basically told the only way to deal with it was to visit a branch and confirm my id, so that was fine i was travelling home in the next few days so i will deal with it then, however the next morning i had a phone call from the fraud team to say there had been susspitious activity could i give them a call, i thought to myself why are they phoning when i dealt with it yesterday and was told to go to a branch, so again i went onto the online chat and asked if it was a legit number i was being asked to contact, i was told yes, so i phoned and again they basically said sorry we cant discuss this as we need you to go to a branch (you phoned me!!!!) the whole thing has been a total joke im fuming ive wasted so many hours of stress delaing with this and kept getting told different things, being told to do things that dont even exist anymore, nobody was in sinc with each other, just laughable, even when i was asking a generic question which had nothing to do with personal information they just said they could discuss it as it was personal, well you could tell me if i tried to use my card at an atm etc would it be swallowed up, anyway rant over for now as im still dealing with this rediculous situation,

Horrible company. Customer service is non existent. Currently in the process of shutting down my RBs account. Take my custom else where.

absolutely dreadful. I sent money to a friend abroad, or tried to 4 days ago. They wanted to ask me some questions. I answered them. Apparently my answers have to be reviewed by a different team who have not yet had time to look at them. My money is not available to me nor to my friend. They will not tell me when they have decided. My friend must repeatedly look in her account. The intention is to prevent fraud, which I'm in favour of. The system is high handed and not fift for purpose. Once this is finally settled I will change banks. I had been with them for 30+ years which counts for less than nothing.

On the 1st of June I requested a balance credit transfer from my credit card to my current account but they paid the money into someone else’s account, it was a Halifax account. On the 8th June I asked where my money was and they told me they had made a mistake and paid it into the wrong account, that’s where the trouble started. In spite of admitting it was there mistake I an still waiting for the money 54 days later. This is the worst customer service I have ever received from any company in my 75 years. Me and my money will be off to a bank that is competent as soon as I receive my money whenever that is. Royal Bank of Scotland couldn’t even spell customer service.

RBS are owed by Nat west who own Coutts bank , who closed accounts of customers for their political views... We live in a free country and the banks should be investigated by the UK government.

If I could give RBS zero stars but unfortunately it is not an option. I moved my account to RBS who moved my beneficiaries, funds and closed my other account. I then try to make a payment and told I cannot make more than £1000 as I am a new client. Which means I cannot pay my rent although my funds are in the account. Numerous calls and no help. I transfer £1000 to another account to pay my rent and it never clear in the other account. Why? They say the fraud department marked it and held it without any notification to me. No resolution and so I battle on with a completely incompetent bank.

I have been using the RBS app on android for under a year, and it worked fine. Now it wont open saying I need to update, which takes me to the Playstore page. Playstore still has the old version so app wont update. RBS page only has the Playstore option so I am now unable to check my balance!

Absolutely disgusting!
RBS Business Profiling has effectively stopped my company trading.
The account has been running fine for 23 years. Then last year they started asking for information that I gave them. However! If they are not ‘happy’ with the information they don’t tell you, they just freeze the account. If you try and access your account on line it’s gone/vanished. This has now happened 6 times. The account has money in that I rely on to pay three mortgages! Can’t be done. Every time I give more information (they seem to make the requests up as they go) I ask when I can access/use my account again! Quote “you’ll just have to keep trying to access your account online…..” this can be days/weeks.
The business profile dept claims they are unable to send nor receive emails?? Fact! I’ve been told this by numerous phone operators! Please don’t open an RBS business account. They will destroy your business without remorse or concern.

I had an unfortunate experience while attempting to open an account with a RBS bank. Despite holding a British passport, they refused my application due to the lack of a Permanent Resident (PR) card. I find this decision perplexing, as British citizens are not required to possess a PR card to reside in the UK. It raises concerns regarding potential discrimination based on appearance or accent.
To my surprise, after filing a complaint, a case handler contacted me. When I inquired about the need for a permanent resident card, the handler avoided answering and later notified me via email that my case had been closed.

If you are considering a business bank account with RBS then don't do it if you want your business to succeed. Within 5 months I had a restriction on my account 4 times( always on pay day) I cant pay my staff, which against the law, nor can I accept payments for invoices that have been issued. They also make up lies as to why the restriction had been placed on the account. Claimed that Companies house notified them that my business was dormant. Check with companies house and they say that they would never do that? interesting! Absolutely do not give a dam about ruining your business nor do they give a dam about their customers. Anyone with an RBS business account - close it now and change to another before they ruin you. Total disgrace RBS admit it is a fault and have no idea why it keeps happening - useless

Over the last 2 years I have been recovering from a gambling addiction, a gambling addiction that was made worse by RBS. As a young 21 year old I was given access to vast sums of money from the royal bank of Scotland that has now left me in financial ruin. I don’t blame RBS for my gambling addiction, I know that was my fault,But I have never heard of a bank giving young people over £40000 in unsecured debt. I am now left with the consequences of which I believe is irresponsible lending. When you complain to them regarding the situation the “customer complaints expert” won’t even bother to look into you concern, will rather shrug it off. I would strongly suggest that people stay away from this bank as they don’t have their customer’s interests at heart.

literally the worst banking experience I have ever had. Tried to take my own 20k out my isa to another account. Their heavy handed fraud team calls me, puts me on hold for 45 minutes and then interrogated me for an hour with utter nonsense questions that you'd struggle to answer, even when you are a genuine customer like me. For reference, this is after banking with them for 15 years.

This is also after I have done full biometrics and they should be able to clearly see where my money has come from.

Certainly gives you a glimpse of the future, where banks like this will presumably just be able to steal your money.

No jokes, my grandad used to get put into a mental hospital for keeping his money in his mattress and having paranoid delusions that the banks were all trying to steal his money (not the only reason obvs), but these days his paranoid delusions seem more like reality!!

Treated like a criminal, asked about all my incoming and outgoing payments, veiled accusations cos I sometimes buy measly amounts of crypto.

In the end I was finally able to get my own life savings after 2 hours of holding and an interrogation.

Do NOT bank with them. I keep on top of my finances, but the questions they were asking were so intrusive and full on that no way your average person could answer them. So you'd be lucky to even get your own money.

The questions are also purposely vague to try and trip you up. I had to tell him to get to the point numerous times.

I will be putting in a complaint and closing the remainder of my accounts with them. scum bank.

Used credit card for the first time in a month or so to find later transaction for a low value delivery to my home address had been declined and card blocked. Received a recorded message from an 0800 number informing me of this and latterly a text to my mobile. Checked my RBS App with no indication card was blocked or any red flags. After 30 mins of being sent around the automated unhelpful phone line was connected to a real person who gave me the scripted it is for your own security nonsense before get the block lifted. I would go into my local branch and complain but if it hadn’t closed down last year. After 30 plus years with RBS sorry to say it has become a joke and will be moving my business elsewhere. 😡

An absolute joke of a bank, our business account was locked as they required some information, the email went to our spam folder, absolute no help, no personal business manager to speak to, account is locked up to 2 days. Our background, I have been with the RBS for over 30 years I have never been over drawn, the business loans I have had never missed a payment, I also have money in the account, our business is very successful, RBS are making money from us.