Royal Bank of Scotland Business Opiniões 

If I could give no stars I would. I banked with RBS for a few years current account and rewards account. I one day made an amazon order as I regularly do this order was around £350 after making order I checked my balance and the cost had been deducted from my available balance as expected. Within a day or 2 I had received all my amazon items and so as far as I was concerned that was bought and paid for. I was waiting on backdated child maintenance being paid to me so logged in again and saw my balance was up by few hundred and thought my maintenance had obviously went in. I paid bills done an online food shop etc the following day I logged in and to my horror I was minus £350 or thereabouts. Now this was an everyday current account that had no overdraft facility they told me I couldn't have an overdraft I checked all recent transactions and to my shock amazon the day I ordered goods had requested the payment which they need to do for order to be sent out and as explained this had reflected on my available balance I received my goods between 24/48 hours but despite goods being sent/received the money that had left my available balance had somehow went from pending back into available balance and so when I spent what I thought was my backdated maintenance it was in fact the amazon payment meaning when they went back in to take it and I didn't then have it I was left £350 overdrawn which to me is a LOT of money and I had no way of paying I pt back being single mum and on benefits due to poor health I'm unable to work. My universal credit which I need to survive was completely swallowed up I had to go into the branch each time this was paid in and taken and explain my full personal financial situation in front of an extremely busy city centre branch. Bills were being missed because I had no use of my account it was a complete nightmare and I was offered zero support from bank after couple months I had to change my Universal credit payments etc to my mothers account which was a lot of hassle for both her and I. Now I'm being hounded with emails about paying this overdraft and referral to debt collectors as someone who struggles terribly with anxiety and depression I've been going out my mind with worry and stress. I was advised to log an official complaint and so I did this was around 8 weeks ago I received an initial reply to my complaint telling it would be resolved within 5 weeks. I must have chased this up via email about 50 times emailing customer relations and rbs complaints all I ever get back is same retyped response about how they have forwarded my email to relevant team. There live chat is hopeless I can't get on the app because I fell behind with phone bill so only means of contact with them is email which I've endlessly informed them off. When I'm trying to login there sending a code to my phone which I no longer have so can't retrieve code. I should add when on the phone to them and advised to log complaint I was advised I had £15 or thereabouts in my rewards account but I could not transfer to my current account as the overdraft would eat being short on cash I found this so frustrating I was then advised I could instead redeem the value of balance for a Tesco e voucher via email I thought OK I can get couple of days food shop. Well that was around 8 weeks ago and I've never ever received that email with my voucher but the money on my rewards balance has vanished so where did the voucher go????? Honestly whole thing has been unbelievable and terribly terribly frustrating

Royal Bank of Scotland is an inconsiderate Bank in my opinion. They closed my account and app while I was abroad receiving cancer treatment. They have frozen my account stopping payments going in and withdrawals. I contacted them to explain my situation and didn't care. I am at present stuck in Cyprus without any money, not receiving my treatment, and unable to travel due to being too ill. I have a lot of money in my accounts and unable to access them. Every time I call I have to put my account details in and told go speak cora or my details can't be found. A very worrying time for me and fighting cancer which they don't seem to care about. I have asked them to open my app to enable me to transfer my funds to another bank and they say they can't. They closed it so surely they can open it

To actively open a business account have proved almost impossible. I started application November 18, 2024 and as of today (January 17, 2025) the account is still not opened.
I have been asked to submit proof of ID and address twice, all cleared both times. The accountant submitted the required proof of registered and trading address back in November, and I'm still being chased with request for further information. This time they want to know how i can run a business from home !!!! Like any sole trader / independent consultant do.
RBS is appalling in their interaction, timing and reasoning. I cannot recommend anyone to even attempt to open a business account with RBS.

Trying to report a fraud (after debit card being stolen)to this organisation is a joke. After filling in online form you need to contact them within 24 hours otherwise they assume you do not want to continue with your claim. Well good luck getting through on the fraud phone line . I’ve given up

Very poor customer service. Takes hours to get a response. The online chat is particularly frustrating.
A simple task such as ordering a cheque book can take up a whole working day.
On another high street bank it’s just a click on their app.
RBS seems to be a real dinosaur of an organisation.

I have just got off the phone from Annila. I have to Say the pleasantness and patience she showed were wonderful.
She was very helpful

An absolute travesty of an organisation, unable to complete even a simple transaction. My partner and I have both had cause to raise complaints in the course of the same day, about two different things, which has to be some kind of record. In common with many others here, we will be ceasing any involvement with this utterly inept bank.

I will be closing my account due to the service received from Natwest Southend branch only place I can go to get money as there are no more RBS branches.
Utterly fed up with them.
Ordered cash, went to pick it up and refused despite having same paperwork used for a previous withdrawal.

I have had horrible service and let down so bad by Pam sulovent coudtomer experience manager I just feel not valued not worthy I have ptsd trauma it’s causing me to be really down

I had a fraudulent transaction on my debit card and tried to report it, I tried the app and online banking but ended up going round in circles, kept trying to report a fraud as per onscreen instructions but kept coming back to same screens, this is disgusting for a high profile bank, I even managed to speak to some one called DAVE but sounded foreign? who said have you tried the online banking app.....YES!!! so he said "I'll connect you to someone who can help you and surprise surprise I got disconnected. ASOLUTELY USELESS!! and just as big a scammer as the one who screwed me for £39.99 ( yes it was ALLGAMER.PRO ) RBS don't mind selling you loans, insurance etc. but when it comes to helping you after being fleeced it's turn the other way. After I clear my dealings with them I will change bankers....

14/12/25 update.
No response whatsoever, not even an acknowledgement to this post, disgusting.

Been with them 20: years abd asked for an extra 2k on overdraft.. The guy on phone ( Mohamed) made me feel.like a was begging..... This bank has lost the plot ! The only good thing about it is the girls behind the counter (Kilmarnock) I used to have a manager in the branch who knew my business well enough to lend me money or give overdraft. If i could give zero stars i would

I have been with RBS all my life I am now in the process of moving all my accounts elsewhere.
Had Fraud on mu account this bank was shockingly useless. Little support or help recovering the 600 loss as they don't work with that merchant. That sounds like a familiar line they peddle. Little or no support with providing the docs required so i can chase loss with company fraud was actioned though

Absolute garbage of a bank. Did not inform me adequately of an ongoing fraud dispute (I had paid but not recieved Taylor Swift tickets from an unreputable online ticket company). I even chased up what the bank wanted from me in this case for a resolution... nothing (i also sent emails to the ticket company asking continously were my tickets were...again, nothing), just radio silence. Then one day £600 is taken out of bank to pay for the tickets I never received?? Bank says that they contacted me via email... they didn't. The one they had sent tk me I responded to, asking what were the next steps and what I needed to do going forward. I did not receive any letters or phone calls.. just an email that they claim may have fallen into my junk mail. Yet when I then wanted to move my savings from my account to another bank straight after.. I was immediately contacted via phone while my money was frozen. Seems the process only works the way they want it to work. Very poor lines of communication. Really don't trust this bank anymore.

I cannot fault the ladies I have spoken to over the last few days regarding a problem with my account which had been frozen, they went out of their way to help by getting me through to the right department and were very patient too. Thank you

Seriously, Bankline for business! Honestly the worst website known to man.
if you finally manage to login then its a lottery if it will continue working , generally crashes once you've entered 20 payments...
and no mobile app..in 2024? if it wasn't for the hassle of leaving and a couple of loans I'd be gone ...

I can't give a good enough reason for why I've been with this bank for so long. I can only give the excuse of 'convenience of staying vs time of leaving'.

It's certainly not for the fees - which are high... or the online banking products available - which are poorly designed and don't allow basic functionality for business' to operate efficiently... it's not for the easy access savings rates - which are terribly low... and it's definitely not for the customer service - which is embarrassing / disgusting / shocking (select the relevant adjective depending on the situation of the day).

So why bank with them? I asked myself the same question for too long, and couldn't think of any reasons other than I was too busy running my business (busier than I should be in part because I banked with RBS).

A little bit of research opened my eyes to a whole world of business banking I didn't know existed... good platforms, low fees, great savings interest and good customer service.

I've moved all our banking affairs elsewhere and it was quick and easy to do. I should have done it a long time ago.

Credit where credit's due: I sometimes get fed up with banking apps but this time they spotted a scam payment and stopped it. I assumed it was a fault with my card and tried another bank's card which let it through, until I spotted a flaw. Full marks to the Royal for putting me on my guard

Total disgrace, been waiting 2 days for somebody to phone back regarding a scam I got money taking out from my account. They're worse than useless, plus last week I was talking to somebody and when we ended the call he thought I was away and started laughing about how things didn't go right when I couldn't be bothered filling a form in. I then said "I'm glad you find it funny" his rs collapsed and couldn't apologise enough, I said to bloody late you're getting reported.
RBS as we all know are hellish I might close the account after this shambles.

Opening an isa account.
Phoned to ask some questions agent give me wrong information.
Was doing a transfer in they emailed me to say contact my current provider as something wrong however turned out rbs did not give my current provider my Nat ins numbernumber which I gave them to open up the account.
So far not happy.mistakes being made and phoning them is a bit of a nightmare.

Tried opening a business account. For 6 weeks I was repeatedly asked for the same information and documents with no communication. Every time I call them the agents tell me their line is bad and they can’t hear me properly. Some of their security practices are extremely poor. I wouldn’t bother.