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RBS: Select current account reviews

Name: Select current account
Rating: 4.16 (123 reviews)

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4.16

Based on 123 reviews, last reviewed 24th Mar 2026

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

56%

16%

15%

Latest highest rating:

5

Great experience The services are of high quality, and the team is professional, prompt, and very attentive to customer needs. Everything went smoothly and efficiently... Read more Reviewed on: 24th March 2026

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

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About this product

The RBS Select current account is a basic account 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.

RBS Select account reviews help you find out what it’s really like to be a customer. If you’ve used RBS before, you can also leave a review and share your experience.

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RBS Select current account reviews (123)

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

Security issues for online banking and slow customer service.

I have had online banking for six days. In those six days my account has been frozen twice for 'security reasons', one of which was because I sent a payment....... To get in touch with anyone to reinstate it you get passed about their phone system a fair bit before being put on hold for twenty minutes. Reviewed on: 23rd April 2015

In-branch staff at RBS are great & very helpful

I have remained a loyal customer of RBS because the in-branch staff provide a personal and very helpful service. They know you by name, and go out of their way to assist in any way at all. A trip to the branch is an enjoyable & easy experience. Although there have been one or two issues with RBS on-line Banking, overall I am very satisfied with its ease of use, easy access and flexibility. So far I have not been tempted to move Banks, despite some of the adverse publicity surrounding RBS in recent times. Reviewed on: 13th February 2015

Amazed by the kind and overwhelmingly helpful staff!

My first experience with this bank was when I set up my very first bank account, an experience I thought would be daunting. But the staff at RBS were amazing. They were completely understanding and I had an account set up in no time. it was a very positive experience and I actually look forward to going to the bank as I know that I am going to be greeted by the most courteous and friendly staff. Reviewed on: 23rd January 2015

Not bad but not great

Good customer service reps but if you dare step out of line or make a mistake e.g go in to an unaranged overdraft it costs you a fortune to put right and the fines seem to come out when there is no money in your account this making a vicious circle. Reviewed on: 15th January 2015

Friendly staff make the difference for me

This is a basic account, but I enjoy going into my local branch and talking to the staff face-to-face. Makes all the difference and keeps me happy Reviewed on: 14th October 2014

Does what it says on the tin...most of the time!

I've had this account for ages. Don't know if there are better banks out there, but this one is ok most of the time. Card stopped working once. Reviewed on: 13th October 2014

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