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RBS: Graduate Current Account reviews

Name: Graduate Current Account
Rating: 3.73 (11 reviews)

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3.74

Based on 11 reviews, last reviewed 25th Nov 2019

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

27%

37%

1 star

Latest highest rating:

5

Excellent account great perks A great account with good perks for students Reviewed on: 2nd January 2019

Latest lowest rating:

2

It does the job They have unilaterally changed the T&Cs and overdraft charges more times than I can remember. Suffice to say there is no meaningful interest on a posi... Read more Reviewed on: 1st December 2016

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About this product

The RBS Graduate Account is designed to support you throughout the transition from full-time education into full-time employment. An RBS Student Account will automatically switch to a Graduate Account after graduation. It offers an interest-free overdraft for the first three years after graduating.

Leaving uni to enter the world of full-time employment can be daunting, so it’s important to find the right bank account. We collect RBS Graduate Account reviews to help you decide if it’s the right account for your financial needs.

Find out why customers chose RBS as their graduate banking provider and how satisfied they’ve been so far. Read about the main benefits of the account, as well as any aspects that account holders feel could be improved upon. Learn more about the interest-free overdraft options available. Find out whether existing account holders would recommend the account to their family and friends. Make an informed decision about your new current account by reading our RBS Graduate Account reviews.

If you have an RBS Graduate Account, write a review on Smart Money People. Did you upgrade from an RBS Student Account, or is the Graduate Account your first account with RBS? How satisfied have you been so far? What are the main pros and cons you’ve experienced with the account? If you’ve had any interactions with the customer service team, were they responsive, friendly and knowledgeable? Would you recommend the account to your family and friends? Write an honest RBS Graduate Account review today. Together, we can help people like you make better financial decisions.
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RBS Graduate Current Account reviews (11)

Does the job

No interest on credit in the account, but the arranged overdraft charges aren't as bad as they used to be at least. Still not a huge fan due the massive taxpayer bailout though. Reviewed on: 25th November 2019

Excellent account great perks

A great account with good perks for students Reviewed on: 2nd January 2019

Improved!

Their overdraft charges have improved if nothing else. Reviewed on: 13th November 2018

Meets my needs

Have had this account for a while now and the arranged overdraft feature is much appreciated. Never had any issues Reviewed on: 7th November 2018

Has definitely improved

I used to level some withering criticism of RBS, their charges, interest rates, customer services etc, but they have improved. Just recently I was repaid money that I had withdrawn and forgotten to take from the cash point... in 2009! Their overdraft charges have improved too, and their app is rather good. Though, they really need to sort out their desktop based online banking: For some reason that beggers belief, you fill out the various passwords and codes, only for them to tell you they have moved your login page, and then they make you do the longwinded process again. This second, correct login page is absolutely impossible to find except via putting your info in and then being forced to do it again at the correct page. It's such a basic problem but is hugely irritating. Reviewed on: 14th November 2017

Great way to gradually pay of student overdraft

I had an overdraft of £1500 and this is gradually reduced, ensuring you are constantly paying of a little more and a little more Reviewed on: 12th November 2017

It does the job

They have unilaterally changed the T&Cs and overdraft charges more times than I can remember. Suffice to say there is no meaningful interest on a positive balance either. They also overcharged me in some way (I'm not sure how), though to their credit, they actually voluntarily paid the money back. I deeply suspect this was due to the threat of a slap on the wrist from a regulator! Reviewed on: 1st December 2016

Brilliant service

RBS offer a wonderful graduate account that caters to every need that a student might have. I found RBS to be extremely helpful and understanding. Reviewed on: 24th December 2015

Poor app

I've found the app to be unreliable a few too many times. Communication when issues are detected could also be better. Reviewed on: 10th September 2015

Nicely done

Good level of service whenever I require anything from them...which isn't that often tbh - but good to test the RBS level of service now and then! Reviewed on: 3rd June 2015

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