Write a review

RBS: Select Current Account reviews

Name: Select Current Account
Rating: 4.05 (119 reviews)

View other RBS products

4.10

Based on 119 reviews, last reviewed 21st Apr 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

54%

17%

15%

Latest highest rating:

4

My account features are basic but it does exactly wh... My account features are basic but it does exactly what I need and has no large account fees. I’ve had very few issues and when I have they have always... Read more Reviewed on: 21st April 2025

Latest lowest rating:

1

Rubbish Recently opened a current account with RBS. Tried to transfer money from my savings account into my current account and my account was suspended hours... Read more Reviewed on: 16th August 2023

Read all reviews Write a review

About this product

The RBS Select Current Account is the bank’s basic account designed for everyday banking. Account holders can access RBS’ mobile banking app which has a range of money management features and built-in credit score checker. The Select Account is compatible with Apple Pay and Google Pay, and has the option for an arranged overdraft.

Our RBS Select Current Account reviews can give you valuable insight into life as an account holder. Be confident in your new account by discovering all the pros and cons that customers have experienced.

Find out why customers chose the Select Account and how long they’ve had their account for. Read about why they liked or disliked the account and how satisfied customers are overall. Learn more about the mobile banking app and its useful features. Read genuine experiences with the customer service team to learn how swiftly account holders’ issues are resolved. Make an informed decision by reading our RBS Select Current Account reviews.

Perhaps you already have a Select Account? Why not share your experience with others on Smart Money People. Was the account easy to open? Tell us how long you’ve had the account and whether it’s your main bank account. If you use the mobile banking app, what’s your favourite feature? What is your favourite thing about the Select Account and is there anything you feel could be improved? Would you recommend the account to your family and friends? Whether good or bad, write an honest RBS Select Current Account review today. Together, we can help people like you make better financial decisions.

Review RBS: Select Current Account now

Help others make smarter decisions by sharing your own experience.

Write a review

RBS Select Current Account reviews (119)

New service information being posted to current customers

I have had a few letters from the RBS in the run up to Christmas advertising new services they have for offers such as cash back on your monthly bills. I like being offered and informed about some of the services and options available but some of them did not really suit me or my buying and savings habits. I may make a change to one of the payed accounts in the future and use the 3% rewards on household bills they told me about in one of the letters. This will more than cover the cost of the new account and costs. It would be good for me if there was some way of giving them basic information about my buying and savings habits even if not the details online so that I don't get all the junk mail for offers what will never be any use to me. Reviewed on: 24th December 2015

Change to overdraft without informing me it would happen

I recently went into my overdraft for the first time in a while and I had previously arranged an overdraft without a fee. I found to my irritation that I was now being charged a fee. I was not informed of any changes to my account in relation to this. This may be due to mail going missing or due to me having been out of the city for large periods of time over the last few years. It does seem to be their standard account practice these days but it still makes me angry for there to be unexpected changes and charges I am not informed about. I did try to get more information without much success but as I am out of my overdraft it is no longer as urgent for me to chase this up. Reviewed on: 24th December 2015

Happy with the service

The online banking is excellent. Very user friendly with good safety. Reviewed on: 19th December 2015

Not as good as they were.

You could speak to the manager once if you have a problem, not anymore, they say they will ring you back and don't. Reviewed on: 20th November 2015

Good Online access but fewer branches.

Good Online access but fewer branches. Reviewed on: 20th November 2015

good

My wife and I have been customers of RBS in Rochdale for twenty years. We have three current accounts with them and a couple if ISAs. I can honestly say we have never - never - had any problems with them at all. The staff are always helpful and courteous; their online and telephone banking services work perfectly (though I haven't seen a bank manager for years); and the accounts always work well (except the interest rates, of course, are poor at the present time). We are, reluctantly, going to move one of our current accounts to another bank because of the special deals they are offering, which is caused by necessity in these difficult times. I felt I just had to send this after reading terrible reviews about the RBS, which are on the Review Centre site. Surely, it's not just me who's so delighted with RBS banking? Reviewed on: 6th November 2015

Got the credit card in two weeks rather than 4 working days but services are good

When i submitted my account application, i was told that i will get my account opened in four working days but it took two weeks for the account to open and much further days to receive my credit card. Reviewed on: 5th November 2015

Excellent customer service

The staff are always very friendly and happy to help Reviewed on: 3rd September 2015

RBS Select Account

This is a straight forward, no frills account. You don’t pay a monthly fee, but you don’t get any adds ons like free travel insurance. I think this type of plan is the best value for money. OK, the accounts with monthly fees may offer a lower cost package and make things simple if you’re going to buy all the packaged products anyway. But, you may find that the package includes things you don’t need or won’t use, or that the cover/ features aren’t exactly what you want. Or, you may not use your preferred provider. I prefer the basic account and then choose separate providers for the elements I really want. It may not be the cheapest, but I think that it’s better value for money. So, apart from having no fee, what’s good about the account? The main benefits are: · Branch network- there’s a wide network of RBS branches. From my experience, the staffs are friendly, knowledgeable and keen to help. · Digital banking- the online application is simple to use. It gives real time values and makes it easy to pay bills and transfer money at any time of the day · Mobile app- as well as the same functions that you’d get from online banking, there’s a facility to draw emergency money from ATMs using your phone if you don’t have your debit card. I think that this is a great feature- I’ve used this twice whilst I’ve been out having left my wallet at home. So what’s not so good? If you go more than £10 overdrawn, there’s a £6PM fee plus interest. This applies even if you have an agreed overdraft facility. I don’t have a problem with the account having a fee. However, the way RBS apply direct debits and other withdrawals can leave the unwary out of pocket. There’s a text alert facility available, where RBS will send a text letting you know when your credit balance falls below a certain level. However, this is only sent in response to direct debit payment, not other cash withdrawals. My own experience has been that these aren’t always timely- I’ve received text alerts 24 hours after the direct debit payment has left my account. Overall I think the account is good value and I’ll continue to use it for the foreseeable future. However, if you’re likely to go close to a zero balance in your account, particularly on a regular basis, you’ll need to take responsibility for close monitoring your account and not rely on alerts, otherwise you may find you’re out of pocket. Reviewed on: 29th August 2015

Does what it says on the tin

For a standard, no-frills account I can't fault this. Easy to manage, very easy to contact customer services when you need to, and friendly helpful staff on the end of the phone. That's what you want when you just need to access your account with as little fuss as possible, and get on with the more important things in life. Reviewed on: 26th August 2015

Do you have a different RBS product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Personal Current Account
from Bank of Ireland 4.15 from 13 reviews
Everyday Current Account
from Santander 3.71 from 165 reviews
Cash Account
from Bank of Scotland 3.86 from 54 reviews

Want to see more from RBS?

Business Insurance
from RBS 5.00 from 1 reviews
Investment Account
from RBS 5.00 from 1 reviews
First Saver
from RBS 5.00 from 1 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub