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RBS: Select Current Account reviews

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

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4.10

Based on 119 reviews, last reviewed 21st Apr 2025

100% increase 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

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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.

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RBS Select Current Account reviews (18)

No frills, no issues

Product itself isn't great, customer service good Reviewed on: 4th February 2018

Nothing special

I have had an account with RBS for 18 years, and have just moved to the Bank of Scotland as they have a much better account. I have not had any problems with RBS, their staff have always been friendly. However, the actual Select Account is nothing special, it's very basic. I had a visa debit card but for some reason RBS refused to give me a contactless card (I asked twice, and have never had problems with the account!). I have had an account at TSB for a few years now which has a contactless card, as has my new Bank of Scotland account. RBS also don't pay interest on their Select Account (both the TSB and Bank of Scotland do pay interest), and the interest rates on their savings accounts are terrible. They do have another reward account which pays cashback on direct debits, but there is a monthly fee so I wouldn't earn that much switching to it as my bills are quite low. All in all, RBS are okay. The account is basic, it's nothing special. I think I have found better accounts elsewhere. So while I would not tell people to avoid RBS, there are much better accounts out there. Reviewed on: 13th June 2017

It's a current account, nothing more, nothing less,it just is. Nothing stands out.

There are so many providers offering products and add ons with their current accounts. I think RBS lacks this facility and is falling behind compared to other banks. With all RBS's bad press I would suggest it rectifies this anomaly. Reviewed on: 17th January 2017

Current Account

Not much to say really. The basic current account is ok for me. It does what I need. Transfers are easy and can get overdraft if needed. No faults really just a basic account. Reviewed on: 15th January 2017

Basic Basic Current Account

It does what it says on the tin. Staff are very friendly and it's easy to get in touch with someone to rectify a problem. However, I recently went in branch to query setting up a help to buy isa, only to find out that RBS was not taking part in the scheme. The reason stated was the cost to RBS didn't make it viable. I am therefore looking for a new account as every other bank seems to have understood the bigger picture in this. Reviewed on: 24th November 2016

Service is poor

I changed my account to a non fee paying basic account but I did not realise that they were still charging me the fee for the premium account Reviewed on: 15th November 2016

Basic account, no frills but no cost. Not sure if it is better to stick with this or try one of the many fancy, monthly cost, accounts that apparently give all sorts of benefits/rewards.

Looking at Reward accounts with RBS. Sceptical. Do I need it, will I be better off, or will the bank be better off. They tell me I will be so I should trust that a reputable bank wouldn't lie? Reviewed on: 4th May 2016

Only been with them a short time and had a few issues. Not the best bank so far

Have had delays on wages not long after joining. Not what you need from a bank Reviewed on: 18th February 2016

Good app makes life a little easier

I feel quite indifferent about my bank but I do love my banking app on my phone which makes transfers between my accounts quick and straightforward and checking balances very easy, no more worrying about having insufficient funds! I couldn’t be without my banking app now! Reviewed on: 16th February 2016

Adequate but never satisying

I use a variety of branches of my bank. I have only had a good experience in one. My two closest branches are the most disappointing. I have been given false information, refused a receipt, abused for asking for a receipt, perpetually lectured about online banking which I don't want and attended a hilarious mortgage meeting where they could give me no information at all "because rates could change" even though I looked up the info on their website. I did learn that their ex-husband refuses to pay maintenance and that their son sits around in their pants playing computer games. More Jeremy Kyle than the Help to Buy meeting I requested. Reviewed on: 12th February 2016

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