Royal Bank of Scotland Business Anmeldelser 

RBS decided to start blocking transactions from both my account and debit card for no apparent reason. I thought this would be easy to fix like it was when it happened about ten years ago - just phone them and say "What's going on?" - but because they didn't bother to contact me about it, their truly awful "Cora" LLM AI "assistant" (intentional time-waster more like) just refused to let me speak to anyone. Phone lines, including fraud (!!!), lead directly to the same LLM gatekeeper, who intentionally prevents you from getting help whilst wasting far more time than the old "Press 1 for..." method.

On the off chance it was a technical error I went through a length processing of checking potential issues, but none of them were the case, and further, RBS claim all their services are up and operating. So I now cannot pay rent on the correct date and will not be able spend money this weekend, thanks to RBS. Truly atrocious. I'm confident a human could either have resolved it or at least identified the problem so it could be resolved within minutes, but RBS prefer you to spend an hour+ dealing with an incredibly stupid gatekeeping LLM asking pointless questions and spewing out completely unrelated information.

This is also made me aware that if I did experience fraud, Cora would block me from doing anything about it or talking to anyone about (unless the bank contacted me *first* somehow), and the same issue that prevents me from making payments either on my app or with my card apparently prevents me from using the app to freeze my account, so there'd literally be nothing I could do. So I guess if I have do deal with fraud, RBS won't help me.

Appalling experience trying to get support on the fraud. Impossible to get through AI by phone and text. Agents (if those are actually agents) reply with standard phrases generated by Copilot. Wasted half a day with no resolution. Claims through digital app do not work. No agents to speak to and get support. Reading multiple similar 1 star reviews on fraud and poor service I am doubting RBS security. Unfortunately after 15 years of banking with RBS I will be changing my bank now.

Debit card is die to expire the end of this month. Today it just stopped working. I've not received a new card, I've not informed if a new card should have been received, cannot find a number to phone anywhere, and their online support AI is absolutely useless. What's the point of a bank if I cannot access my money. I'll be closing my account.

In early June, my wife and I incurred expenditure on my credit card. Ten days later, we decided not to proceed with a £299 property transaction. We were told, by the relevant company, that the matter had been referred to their cancellation department but nothing has been heard since. Furthermore, we have not received goods we paid for on 4 June.

I wrote to RBS to seek recovery of the money paid for goods and services not provided. The fraud department asked for written evidence of terms and conditions, which we have never been given. I told the bank this and provided a summary of the online activities, together with the full email string with the company, by email on 7 July. On 16 July, the bank again asked for evidence of the cancellation policy.

It appears that they have not had the courtesy of reading my earlier email and are working to a check list. They do not appear to have any serious intention of securing a refund of over £500 for goods and services not provided. They have failed to say why we are not entitled to the 14 day cooling off period prescribed in the Consumer Rights Act.

Not only have we been robbed of over £500 but the bank are adding further stress to an already awful situation by abrogating their legal responsibility.

It is hardly surprising that this bank has a 1 star rating, given this off hand treatment of customers and the continued closing down of face to face facilities. My nearest branch is now over 50 miles away. The bank are a disgrace.

I WAS SCAMMED USING THE LEMFI APP BUT RBS DID NOTHING TO HELP. IT WAS THEIR ACCOUNT SO I HAVE NOW SWITCHED AWAY FROM RBS

Why can't they just answer the phone with a human being!? Too long waiting !!

Business Bank that says no to everything - happy to take your money but no support for small business! Clearly have no understanding of how businesses work and its always the computer says no! Needed them to approve a 2nd charge and although reducing the overall debt of the company they still said no!

I've had to contact Royal Bank of Scotland on about 4 or 5 occasions over the last 2 months for various reasons and their customer service is appalling, you cant't speak to anyone, the crappy digital assistant (Cora) is useless, just tells you what you already know or can check yourself on the website. You have to use the crappy chat on the app to contact them as there are no phone numbers anywhere to be found, then wait up to 6 hours for a reply... which you then don't get. If you need to do something in branch you need to plan a half day road trip to visit the nearest one, then as soon as you walk in the door you are directed to self service machines that are also of no use unless you want something really simple and basic. The app gets updated every 5 minutes and just as you get used to the new layout they roll out another forced update and its all changed again. Asked for a cheque book to be posted out, had to chase them 3 times for it over the course of 3 weeks after being told it'd take 7 working days. Currently can't transfer money from one of my accounts to another on the app, all I get is an error and an apology message and please try again later. Again attempted to contact customer service, Cora the heap of crap sends you in circles over and over again telling you "you can easily transfer money in the app.... just do blah blah" When you finally get past the stupid digital assistant you get put in a queue on a chat screen, says someone will contact me with a reply within 6 hours, its been 9 hours and I'm still waiting..... time to change banks I think.

Is shocking shocking shocking the customer service we get from the staff.
Nobody is helping, nobody can do anything and nothing it looks like I am dodgy. I am asking just for my statement to show it to my mortgage under writer but they came back saying my address is wrong which it has been changed in 2017.. Is it my fault not to update it ??? No the manager that left the RBS never did for some reason I ignore.
Now the guy is not showing any interest to send me my paper work a copy or my business mortgage loan ..
The only thing is holidng me back for my new mortgage approval is RBS ... I can't believe it.

Been a customer for over 10years even opened my daughters for first savings with them and the level of customers I have received through online has been beyond me terrible that it’s pushed me to now leave rbs and switch to another bank, the people with the rbs branch are fantastic however online beyond a joke they don’t care about their customer especially long standing customers

I had a virgin one account which worked very well for us as we are self employed.
Problem is Rbs changed the mortgage terms and conditions half way through the term from interest only to capital and interest, they then demanded 30K arrears caused by this change to our mortgage terms.
Do not trust Rbs they are crooked.
I paid the mortgage off no thanks to them.
Then the sucker punch they did not release our property and sign our house over to us with the Land registry upon final payment of our mortgage.
I didn't realise for until months after our final payment, and I asked the Land registry if our house had been released to us.
When I contacted Rbs they at first denied that they did not transfer ownership after final payment. They then apologised for saying they had when they hadn't and did the transfer as they should have.
They promised a small compensatory payment, which we never received.
They also sent all correspondence regarding the deeds to our old address, the owner who we know kindly brought the letters to our house and of course it was too late to accept their compensation offer because they had sent correspondence to our old address.
We still have no correspondence regarding this gigantic fraudulent act.
SO MY WARNING IS IF YOU HAVE PAID YOUR MORTGAGE OFF, MAKE SURE YOUR DEEDS ARE TRANSFERRED TO YOU, AS THE BANK STILL TECHNICALLY OWN IT, EVEN THOUGH YOU HAVE PAID YOUR MORTGAGE IN FULL!
CHECK NOW THEY ARE INCOMPETENT AT BEST, BUT ACTUALLY ARE FRAUDULENTLY DEALING WITH HONEST CUSTOMERS.
DO NOT TRUST RBS THEY LIE AND DEFRAUD YOU.
I HAVE PROOF FOR ALL THE ABOVE.

RBS Liquidity manager
Avoid this product
Locks your money away with no way to withdraw
Giving Notice is very difficult to do or confirm
Don't get caught out

After 3 patient months trying to open a business account and been a RBS customer for over 45 years I’ve told them not to bother and cancel my application. Should have checked the reviews first

I've been with this bank for many years in Peterhead.
Up until recently, I've never had to go into the bank.
I had an important matter to deal with and the only way to get it arranged was to visit the branch. Per instructions from their call centre.
The woman at the counter didn't know how to deal with my request. Asking her colleague if she knew what I wanted them to do and how to go about it.
The woman I was with was curt, impatient, condescending and flustered.
She didn't smile at all. When I asked questions she cut me short telling me to wait. In a very impolite manner.
I ended up feeling I was inconveniencing them. Yet my request was something banks deal with many times a day.
I left hoping I'd never have to go in again. But unfortunately I did. A few weeks later receiving the exact same experience.
In contrast a few weeks later, I had to use the RBS branch at Queens Cross in Aberdeen. I wasn't looking forward to it.
There was no need to be concerned. They were extremely helpful. The man who was dealing with my request was friendly, polite and chatty. He knew exactly what he was doing and made sure I understood every aspect of the process.
That branch gets a massive thumbs up from me.
I hope I don't have to go into the RBS in Peterhead again.
I was going to open a new bank account with them as I was going to be receiving substantial payments regularly. And wanted a separate account for this.
Instead I opened an account with the Halifax in Peterhead. Who's customer service is miles better than the local RBS.

Worst bank ever seen. Don't even deserve 1* . No money is safe here, no one listens, no response from senior management, no, no and no.......

Stay away from these daylight robbers....

Been waiting for RBS to sort out a complaint since 27 th December,I totally fail to understand why this has not yet been resolved.
We have 5 accounts with them I’ve never ever experienced service this bad the reviews are shocking.
You would think someone would try to sort this major problem.
Totally disgusting.

Tried to open this account to get the rewards - no point, never got the rewards despite meeting requirements . Then I tried to shut my account down several times through the app. Because it’s a rewards account, they charge me fees each month. Despite having tried to close it several times through the app and being told it was closed, it still hasn’t closed and it’s continued to charge me money. Now I’m being told I have to go into branch in person to close it down, taking time out of my day and off work because of their stupidly limited opening hours. I’m extremely cross as I’ve never had to do this to close a bank account before and i keep having to top up the bank account by a pound or so every month to keep it in credit. Stupid system, waste of time - never getting involved with this bank again.

So horrible. I would never use them again. There are much better customer service employees else where. They condone bad arrogant and condescending attitudes.

RBS is crap. I decided following a stroke maybe it was time to retire but I was unaware how long it would take to access my pension so there is a temporary cash flow problem but not to worry I have had my rbs credit card since 2002 and usually pay it off each month so no worries. You would think so at least but no RBS stopped my credit card despite me telling them I was relying on it for food. I have never spoken to so many idiots in one place! Although they are all heart and sent the NHS out to check I wasn't going to harm myself. I don't need to I can rely on them for that. I call it the RBS diet. So far I have lost 2 kgs. Not bad but now they have taken the stop off my card which will kick in on the 9th March so I guess I can lose a lot between now and the 14h February and 9th March. 3 weeks so at least another 2 or 3 kgs.Make no mistake if I die it is on RBS!

Why are customers inflicted with that useless Cora ... Asked why do I have to register an existing account every time I open the app ... Response - "what was the debit card transaction"