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RBS: Basic Current Account reviews

Name: Basic Current Account
Rating: 4.13 (240 reviews)

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4.09

Based on 240 reviews, last reviewed 13th Jun 2025

78% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

62%

13%

10%

Latest highest rating:

5

RBS Mobile Banking App is Superb! RBS Basic current account has a mobile banking app that is modern and user friendly. Reviewed on: 13th June 2025

Latest lowest rating:

1

Want to be an internet bank so after 250 or so years... Want to be an internet bank so after 250 or so years decided that they don’t need branches Reviewed on: 24th October 2024

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About this product

RBS Basic Current Account reviews come from people like you! With so many different current accounts now available, you can read these honest RBS Basic Current Account reviews to find out what life as a RBS customer is really like. And remember, if you are a RBS customer, you can write a short review here to help other potential customers. Smart Money People is the UK's leading financial services review site and dedicated to being an independent and honest source of RBS Basic Current Account reviews. Together, we can make financial services work better for everyone.

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RBS Basic Current Account reviews (240)

WORKS FOR ME

A SIMPLE ACCOUNT THAT DOES ALL I NEED - AND IT IS FREE Reviewed on: 5th November 2018

great basic bank account

highly recommend the basic bank account easy to set up and use in brank or online Reviewed on: 3rd May 2018

Great little account

Great basic account, staff polite and helpful Reviewed on: 11th February 2018

Mobile Banking App is Fantastic

RBS mobile banking app helps me to keep track and helps me manage my account at the touch of a button. Would highly recommend. Reviewed on: 11th February 2018

Great until you fall on hard times

Overall the customer service is above average. Branch staff have been fantastic. Low overdraft rates. My only issues with the bank is when your income changes. Constant hounding with calls and letters because the income you take in through your bank account is not high enough for them. On a basic account there is no minimum pay in amount yet RBS are now penalizing those that have lost jobs and have to survive on a lower income. Reviewed on: 11th February 2018

UNSYMPATHETIC

Whilst travelling RBS sent me a new bank card even though my current one had over 1 month on it before it expired. When i tried to use my current one i couldn't use it as they had stopped it as they had sent me a new one. Passed from pillar to post trying to sort it. Account now closed!! Reviewed on: 11th February 2018

Great customer Service

The customer service for RBS is amazing, they are clean and straight forward with their basic bank accounts. Reviewed on: 11th February 2018

refuse to help

When you don't have a problem the bank is absolutely fine. However, when I asked them to reduced my overdraft because I no longer need it they have refused time and time again. I still have an overdraft because they won't reduce it. Also when we needed some documents certified by them for our mortgage they refused because our mortgage is from a different provider. I am in the process of looking for a different bank. Reviewed on: 11th February 2018

Ok but planning on moving

Every time I go into the local branch the staff are always welcoming and friendly but the bank accounts themselves aren't designed to keep customers. Having been with RBS all my life (approx 25 years) I'm just getting ready to leave, the reasons for this: £6 charge every time I go overdrawn by a few pence (with an arranged overdraft!) Poor linked savings accounts No interest at all applied to basic current accounts. Its a shame, as the local branch is very convenient with staff that can't do enough for you but they are limited to what they can do when the products on offer are so poor. Reviewed on: 9th February 2018

In branch the staff are slow, I like the app.

Whenever I have to go into the bank I dread it. It is slow impersonal and the layout makes it not very private. I tend to use the app which is quick and easy. Reviewed on: 5th February 2018

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