Good4

47% of customers recommended from 805 ratings

Active in UK banking and insurance through The Royal Bank of Scotland and Direct Line. Services include bank and savings accounts, credit cards and mortgages, life assurance and innovative investment products, motor and home insurance.

Royal Bank of Scotland Current Accounts

Read customer opinions on Royal Bank of Scotland Current Accounts reviews.

RBS Select Account
Account Fee & Requirements
No monthly fee
Overdraft
19.89% EAR + £10
(£10 buffer)
Headline Interest
0% AER
Earn 1% cashback on contactless payments with Cashback Plus. Voted the best card benefits programme of the year at the Card and Payment Awards.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.89% EAR (variable) + £10.
RBS Select Silver Account
Account Fee & Requirements
£10 a month
Overdraft
19.89% EAR + £10/month
(£10 buffer)
Headline Interest
0% AER
Offers include - Taste Card for you to enjoy 2-for-1 meals or 50% off your food bill at thousands of UK restaurants (restrictions apply). Plus receive 25% cashback on tickets for theater, dance, opera & concert performances.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.89% EAR (variable) + £10 per month.
RBS Select Platinum
Account Fee & Requirements
£16 a month
Overdraft
£250 interest
& fee free, then 19.49% EAR
Headline Interest
0% AER
Earn a minimum of 1% of your spend at participating retailers with Cashback Plus.
Representative Example: If you use an arranged overdraft of £1,200 you'll be charged 19.49% EAR (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

Royal Bank of Scotland Savings

Read customer opinions on Royal Bank of Scotland Savings reviews.

Investment ISAs are tax-efficient wrappers for long term investments. You may get back less than you pay in because your capital isn't guaranteed and charges may apply. Your personal circumstances will determine how much tax you pay on your investments and returns; tax laws may change.

RBS 2 Year Fixed Rate ISA Issue 117
Account Type
Cash ISA
Open With
£1,000.00
Interest Rate (AER)
1.5% fixed
for 2 years (09 Feb 2017)
on £1,000+
Protection Scheme
FSCS
Open Account
Online, Branch & Phone
RBS 1 Year Fixed Rate ISA Issue 116
Account Type
Cash ISA
Open With
£1,000.00
Interest Rate (AER)
1.35% fixed
for 1 year (09 Feb 2016)
on £1,000+
Protection Scheme
FSCS
Open Account
Online, Branch & Phone
RBS 2 Year Fixed Term Savings Account Issue 010
Account Type
Fixed Bond
Open With
£5,000.00
Interest Rate (AER)
1.35% fixed
for 2 years (02 Feb 2017)
on £5,000+
Protection Scheme
FSCS
Open Account
Online, Branch & Phone

Royal Bank of Scotland Credit Cards

Read customer opinions on Royal Bank of Scotland Credit Cards reviews.

RBS Clear Rate Platinum Credit Card
Balance Transfers
6.9% variable
Purchases
6.9% variable
Representative APR (variable)
11.1% APR
One simple low rate of 6.9% p.a. (variable) on purchases and balance transfers
Representative Example: The standard interest rate on purchases is 6.9% p.a. (variable), £24 annual fee. So if you borrow £1,200 the Representative APR will be 11.1% APR (variable).
RBS Cashback Plus
Balance Transfers
-
Purchases
-
Representative APR (variable)
17.4% APR
Up to 1% cashback at participating retailers, supermarkets + 0.5% on all other spend, 1% on all contactless payments until 31st March 2015. A simple rate of 12.9% p.a. (variable) for balance transfers and purchases No complicated balance transfer fee.
Representative Example: The standard interest rate on purchases is 12.9% p.a. (variable), £24 annual fee. So if you borrow £1,200 the Representative APR will be 17.4% APR (variable).
RBS Student Credit Card Ex/C
Balance Transfers
-
Purchases
-
Representative APR (variable)
18.9% APR
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable). So if you borrow £500 the Representative APR will be 18.9% APR (variable).

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

Royal Bank of Scotland Loans

Read customer opinions on Royal Bank of Scotland Loans reviews.

RBS Personal Loan Ex/C
Loan Type
Unsecured
Loan Amount
£1,000 to £25,000
Representative APR
4.9% APR
(£7,500 to £14,999)
Loan Term
1 year to 7 years
If you choose to repay your loan early, an early redemption charge of up to 58 days' interest will apply. Other loan amounts are available at alternative rates. Rates depend on circumstances and loan amount.
Available to existing customers only.
Representative Example: The Representative APR is 4.9% APR (fixed) so if you borrow £10,000 over 4 years at a rate of 4.9% p.a. (fixed) you will repay £229.36 per month & £11,009.28 in total.

money.co.uk, Dot Zinc Limited, 160 Fleet Street,London. EC4A 2DQ. We are a Credit Broker for all consumer credit products listed on money.co.uk.

Royal Bank of Scotland Mortgages

Read customer opinions on Royal Bank of Scotland Mortgages reviews.

Your home may be repossessed if you do not keep up repayments on your mortgage.

RBS 2 Year BBR+1.11%
0800 068 7667
Maximum LTV
60%
Initial Rate
1.61% tracker
until 31 Mar 2017
Subsequent Rate
4%
Overall Cost for Comparison
3.8% APR
RBS 2 Year BBR+1.11% Remortgage
Maximum LTV
60%
Initial Rate
1.61% tracker
until 31 Mar 2017
Subsequent Rate
4%
Overall Cost for Comparison
3.7% APR
Available for remortgage only.
RBS 2 Year BBR+1.11%
Maximum LTV
60%
Initial Rate
1.61% tracker
until 31 Mar 2017
Subsequent Rate
4%
Overall Cost for Comparison
3.7% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.

Royal Bank of Scotland Reviews

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Used Royal Bank of Scotland? Tell us about your experience because it will help others. Add a review.

RBS current account

Satisfactory

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Went slightly into my overdraft for the first time and was charged for it. I was mortified when I noticed the charge and called customer services explaining when I upgraded my account some years back I had a free overdraft. Apparently it had changed and I wasn't informed. The customer services rep was unhelpful and more or less said tough, I would have had a leaflet sent through explaining the changes!

by garyj34, 1 month ago report review

RBS Managed account

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by markdsmith0264

I have a managed account with RBS via Think Money. This makes my monthly budgeting really easy by having all the bills set aside at the start of the month. This way, I know exactly what I have to spend for the month and all bills, such as Mortgage, Utilities, phones, council tax etc are guaranteed to be paid. Transferring money between accounts and to others is easily done via internet banking. Only issue is with the time to clear cheques through the account. 10 days!!

Internet banking

Cheque clearance

by markdsmith0264, 2 months ago report review

They have given us 30 years of service!

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by cazzar1

We have been with the bank for over 30 years and have always been happy with the service. We have two current accounts, one for all the bills, direct debits and standing orders and the other for day to day expenditure. This has worked well and helped us make sure we never go overdrawn. I don't have to go in to the bank itself very often as I do online banking, but when I have to go in, the staff are friendly and helpful.

Having two current accounts.

A bit of a walk to the bank from the city centre

by cazzar1, 1 month ago report review

Pension RBS formerly nat Westminster

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by salter

Took pension a couple of years early, gave me prompt quote, and always contactable by phone or e mail. Sorted it all out credited my funds quickly and pension always paid on time, write every year re increases in line with inflation , send me statements and reply promptly be e mail. Always courteous and helpful, good pension provider. Had to get paid without tax deduction , they did this change quickly only had to contact once.

by salter, 4 weeks ago report review

Great as bank simply for the off set mortgage facility

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by Jenniejay

Would transferred to RBS when the Clydesdale bank closed in Penicuik. We chose RBS because they offer offset mortgage facilities, which In Our experience has been an excellent product. I would highly recommend it. The multiple accounts which can be attached to the flexible mortgage help keep money in specific areas I.e, savings, maintenance, housing costs, car expenses, really helps you to budget and the on line banking makes it so easy to move money between accounts without making a trip to the bank and standing in a long que. I find it more than a little frustrating that when you phone your branch you get through to a call centre and would like to have a little more personalised service but on the whole I am satisfied. At least the call centre is based in Britain.

Flexible mortgage, electronic banking

Branch customer service has been a bit brusque on occasions.

by Jenniejay, 2 months ago report review

thinkbanking (rbs)

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by baggie20042003

Good banking for people with money problems, they give you two account, one for your bills such as direct debits, you have set up and one for you to spend such as food bills. They have call centers in the Uk, and don't charge overdraft fees, can also use their website to log onto your account and set up your own direct debits. I find the service service great, they are always friendly on the phone.

Have two accounts to help you with your money

it cost £17.50 a month for this service.

by baggie20042003, 2 months ago report review

RBS Current Account

Satisfactory

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by Nic

Very easy to use online banking and phone banking easy to pay bills Current account pretty much runs itself The arranged overdraft facility on the account now costs £6 every month + interest. I think this is a bit expensive. Contact less payment system works well customer service over the phone and branch is good Paperless statements

easy to use online

expensive overdraft

by Nic, 2 months ago report review

my bank services

Excellent

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by mcauleybella1

i would recommend RBS to anyone as i find them to be a very helpful and good bank to deal with,they offer great service and their tellers are always cheerful and helpful to me when i visit the bank, i have been with RBS for many years now and have never had any problems or difficulties with their banking services as i previously said i would recommend them to anyone.

great service and help

by mcauleybella1, 1 month ago report review

Premium account

Good

  • Customer Service

  • Value for Money

  • Flexability & Fairness

  • Product Features

Recommended by chevvy

Customer service is great , fraud detection excellent - has lots of perks that save money example - travel insurance and pet insurance . every time I have had a query the reactive time is very good - they regularly update me on changes and try to always offer a better deal to my current one . once a year we are asked to complete a survey - any points you raise are always fed back as to what has happened. i was recommended the service by a friend and have banked with now for 15 years and do not consider moving - do not fix what is not broken

customer service nd reactive

by chevvy, 2 months ago report review