from 793 ratings
793 customers rated Royal Bank of Scotland as 3.8 out of 5 in our Consumer Finance Awards and Reviews.
Customer Service
Flexibility & Fairness
Product Features
Value For Money
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 Credit Cards

Customers rated their Royal Bank of Scotland Credit Cards as 3.9 out of 5. Read more Royal Bank of Scotland Credit Cards reviews.

RBS Clear Rate Platinum Credit Card
Balance TransfersPurchasesRepresentative APR (variable)
6.9% variable6.9% variable11.1% 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 TransfersPurchasesRepresentative 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 TransfersPurchasesRepresentative 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 Savings

Customers rated their Royal Bank of Scotland Savings as 3.6 out of 5. Read more 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 115
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£1,000.001.6% fixed
for 2 years (12 Jan 2017)
on £1,000+
FSCSOnline, Branch & Phone
RBS 1 Year Fixed Rate ISA Issue 114
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Cash ISA£1,000.001.35% fixed
for 1 year (12 Jan 2016)
on £1,000+
FSCSOnline, Branch & Phone
RBS 2 Year Fixed Term Savings Account Issue 008
Account TypeOpen WithInterest Rate (AER)Protection SchemeOpen Account
Fixed Bond£5,000.001.35% fixed
for 2 years (22 Dec 2016)
on £5,000+
FSCSOnline, Branch & Phone

Royal Bank of Scotland Loans

Customers rated their Royal Bank of Scotland Loans as 3.3 out of 5. Read more Royal Bank of Scotland Loans reviews.

RBS Personal Loan Ex/C
Loan TypeLoan AmountRepresentative APRLoan Term
Unsecured£1,000 to £25,0004.9% APR
(£7,500 to £14,999)
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

Customers rated their Royal Bank of Scotland Mortgages as 4 out of 5. Read more 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+1.14%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.64% tracker
until 31 Mar 2017
4%3.8% APR
RBS 2 Year BBR+1.14% Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.64% tracker
until 31 Mar 2017
4%3.8% APR
Available for remortgage only.
RBS 2 Year BBR+1.14%
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.64% tracker
until 31 Mar 2017
4%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 Charge Cards

Customers rated their Royal Bank of Scotland Charge Cards as 4 out of 5. Read more Royal Bank of Scotland Charge Cards reviews.

 Annual FeeMinimum IncomeCash Advance ChargeInternational ChargesIncentives 
£%
RBS
BusinessOne Premium
£79
---
£33%2.95%
RBS
Corporate Card
£25
---
£22%2.95%

Royal Bank of Scotland Current Accounts

Customers rated their Royal Bank of Scotland Current Accounts as 3.7 out of 5. Read more Royal Bank of Scotland Current Accounts reviews.

Royal Bank of Scotland Travel Money

Customers rated their Royal Bank of Scotland Travel Money as 4 out of 5. Read more Royal Bank of Scotland Travel Money reviews.

Royal Bank of Scotland Car Insurance

Customers rated their Royal Bank of Scotland Car Insurance as 3 out of 5. Read more Royal Bank of Scotland Car Insurance reviews.

Royal Bank of Scotland Home Insurance

Customers rated their Royal Bank of Scotland Home Insurance as 4 out of 5. Read more Royal Bank of Scotland Home Insurance reviews.

Royal Bank of Scotland Travel Insurance

Customers rated their Royal Bank of Scotland Travel Insurance as 4.2 out of 5. Read more Royal Bank of Scotland Travel Insurance reviews.

Royal Bank of Scotland Breakdown Cover

Customers rated their Royal Bank of Scotland Breakdown Cover as 3.9 out of 5. Read more Royal Bank of Scotland Breakdown Cover reviews.

Royal Bank of Scotland Life Insurance

Customers rated their Royal Bank of Scotland Life Insurance as 4.5 out of 5. Read more Royal Bank of Scotland Life Insurance reviews.

Royal Bank of Scotland Unit Trusts

Compare the features and benefits of Royal Bank of Scotland Unit Trusts.