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RBS: Basic Current Account reviews

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4.10
Based on 240 reviews, last reviewed 13th Jun 2025
90% decrease in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
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See only 4 star reviews
13%
See only 3 star reviews
10%
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7%
See only 1 star reviews
8%

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
Gregory M's avatar
Gregory M

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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Old Git
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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)

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5
Staff are very helpful and friendly Reviewed on: 23rd February 2022
Janice Kerr's avatar
Janice Kerr

Brilliant bank

5
RBS is a great bank been with them forever and the app is so user friendly. As are their branch staff. Reviewed on: 20th January 2022
A Hodges's avatar
A Hodges

Still have some high street branches

5
Always prompt and efficient service in branch. Telephone banking always effient too Reviewed on: 16th January 2022
Madelaine McLaughlin's avatar
Madelaine McLaughlin

No complaints!

4
Been a customer for many years now and had no issues with them. Low interest rates for savers, but that's the same for all banks currently. Reviewed on: 12th January 2022
SedateF's avatar
SedateF

The bank that would prefer you never use it

3
Experience of staff friendliness varies from branch to branch but one thing remains constant. Even if you only visit a branch 2 to 3 times a year like me they will make you feel you are an imposition and "really could bank online or over the phone". There are quite specific reasons I do not do this but they would rather argue and make you feel like you are an imposition for visiting every 4 months or so than welcome you as a long time customer. And now I am actively looking for alternative banks as the new £100 spend limit with RBS is mandatory on current account cards (unless I choose to bank online OBVIOUSLY) whereas other banks recognise that you deserve a choice in the control of your own money and spending limits. Reviewed on: 5th January 2022
Angela Ellis's avatar
Angela Ellis

Absolute Garbage

1
Don't bother. Terrible support. Long hold times and useless tech. Reviewed on: 31st October 2021
Mitchell Baxter's avatar
Mitchell Baxter

Basic account

4
Staff friendly and helpful, any help needed is given freely and honestly Reviewed on: 4th August 2021
Graham Mclaggan's avatar
Graham Mclaggan

Security lapses

2
For the second time in two years,security cancelled my card with no text or warning of any kind.Replacement card sent to wrong address..Appalling security and pathetic compensation for an elderly,disabled customer,reliant on online shopping.Been with RBS SINCE 1968 but will be changing to another bank asap!! Reviewed on: 18th June 2021
Madmaggie's avatar
Madmaggie

London Branch Availability Needs Urgent Attention.

4
RBS has almost no London branches so has passed us over to Natwest, whose branches are staffed by about 3 persons irrespective of queue sizes. RBS really do need to rethink their branch availability as many aspects of banking, on their own admission, cannot be done online or over the phone. If you find a Natwest branch, even at the least busiest times you must be prepared to queue for at least 20 minutes. Reviewed on: 14th June 2021
Joan Hammond's avatar
Joan Hammond

AVOID THIS BANK AT ALL COSTS

1
I HAD BANKED BOTH PERSONALLY AND IN BUSINESS WITH THIS BANK SINCE 1989, THEY WERE GOOD, THEY JUST GOT WORSE AND WORSE. THEY TOLD ME LAST YEAR THEY DO NOT WANT MY ACCOUNTS ANYMORE, BUT THEY WANT TO KEEP MY MORTGAGE. HAVING NEVER GONE OVERDRAWN WITH THEM EVER, THE NOTICE CAME OUT OF THE BLUE, NO REASON, JUST DO NOT WANT THE ACCOUNTS. THEY NOW DEMAND MONEY THAT WAS REPAID YEARS AGO ON A BUSINESS LOAN, THEY ADMIT THEY HAVE NO EVIDENCE OF THE LOAN, BUT THAT NEVER STOPS THEM, SO I PAID OFF MY MORTGAGE WITH THEM AND STATED I WANTED MY DEEDS FOR MY HOUSE, THEY FIRST SAY THEY HAVE LOST THEM, THEN THEY SAY THEY SENT THEM, THEN THEY JUST REFUSE TO DEAL WITH THE QUESTION, THEY JUST APPOINT SOLICITORS TO TRY TO RECLAIM MONEY THEY SAY I OWE BUT CANNOT PROVE. MY ADVICE TO ANYONE AT ALL, DO NOT EVER TRUST THIS BUNCH OF LIARS, THEY ARE NOT A BANK, MORE LIKE A DICTATORSHIP. I REALLY WISH THE GOVERNMENT HAD NOT BAILED THEM OUT, IT WAS TOTALLY DUE TO THEIR INCOMPETENCE THAT THEY GOT IN THE SITUATION THEY WERE IN, BUT THEY ARE IMMUNE, THEY JUST TREAT YOU LIKE DIRT. PLEASE AVOID THEM FOR YOUR OWN SAKE, WHATEVER THEY SAY NOW! Reviewed on: 13th May 2021
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Simon Edgecombe

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