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royalbankofscotland.co.uk

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    6 Reviews
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      06.10.2001 03:52

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      When I went on the internet I logged onto the RBS online banking service and found it a great asset. Their new digital online service is even better. It is extremely easy to use giving a wide range of services. You are able to view all your RBS accounts and RBS credit card accounts in the form of mini statements and can raise more detailed statements where necessary. There is bill payment facility which has a wide range of companies listed and the payment dates can be set up easily by the user. Transfer of money between accounts is also easily carried out as is the ordering of cheque books. There are also links available to other parts of the RBS service eg. loans Overall an excellent online service with good security

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      18.06.2001 20:44
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      As a member of staff I was 'encouraged' to sign up for Direct Banking as soon as it came online. As I am now ex-staff I find it invaluable for checking my accounts. Direct banking allows you to - Check all account balances Statement transactions Do a transaction search Pay bills Set up Standing Orders Cancel Direct Debits Transfer money between accounts etc The login is fairly straight forward once you have your passwords etc sorted out - I have experienced some problems in that my registration codes stopped working for no apparent reason, and I had to request a new set. I have also had problems logging onto the screen on some occasiions - but once if left for a few minutes it all appears to work again. The whole system is fairly user friendly and straight forward. But beware - if you have anything to do that strays from the normal then the online facility will not be able to help you. I have also found this (much to my annoyance) with the telephone arm of direct banking - I have often been referred back to my branch. - They could really do with some sort of email facility to allow you to send requests to your branch if necessary. (As a person with contacts with the branch - I know that this would be impossible as the branches do not yet have any type of email facility and still rely on internal mail and faxing!) Good start RBoS - just try and keep up with the rest of the industry and you'll keep your customers happy!

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        25.04.2001 21:11
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        After moving away from my home town to a career in the big City (London) I found I was away from my local branch of the Royal Bank of Scotland. I used to do all my banking in the branch, pop down to pay in cheques or pay the visa bill. In London I have a shared house, and my local branch here is not open outside of Monday to Friday 9.15 while 17.00, I'm in work while 18.00 Mon-Friday at least so this presented a major obstatcle for me. Direct Banking: I was fairly traditional, and indeed comfartable with the old fashioned ways of banking (partly because of the previous convenience of my local branch) but now direct banking became a serious consideration. I needed to be able to do my banking away from cheques and branches. The Service: There are two ways to Direct Bank, by phone and online. Online is seriously better as you get a complete overveiw of your account, you can see what transactions you have made/received and how, essentially the same as your monthly staement accept that it is correct to as close as 10 minutes!! How? Phone) You get one number (0800) which you can call to get your balance and last six transactions and another number to call for all others (national rate) this number is touch tone (quicker once you get to know it) whereby mobile phone users can take advantage of that DTMF features on their handsets which they have been wondering what they are for for ages. The less experienced can go through to an operator, when I have done this, the call is always answered quick and by a proffessional who knows exactly what you are trying to do no matter what gibberish you tell them. Web) Visit a website, log in and select the service that you require, be it bill payments or balance transfer etc. The website takes you through step by step of the information needed to complete the transaction, and then at the end it saves the details so you can change/edit it quickly later. I have set up my VIsa ca
        rd on here (Barclaycard) and all I do each month is select the amount I want to pay, and when I want to pay it, RBS takes care of the rest. What exactly can I do? 1) Pay Bills: Select your bill type (E.g Gas), select your service provider (e.g British Gas), enter customer number. Save the details and then go through. Everytiome you need to pay the gas, click on Bill Payments, select Gas and then type in the amount and the day you want it to come out.. It's TOO easy!! 2) Get Statements: Get a statement containing your last month/week/day/year of transaction on screen or select a time period which suits you.. I work by the shopping runs. THe clever filter system even allows you to break your statement down in to transactions of a specific type, like Switch Payments, or cash withdrawals, so you can find out how much you've wasted at the pub. 3) Direct Debits/Standing Orders: You can cancel, postpone DD's and set up/cancel standing orders, ideal for controlling those insurance payments etc. 4) Budget Calculator: Nifty gadget lets you budget for the next (user definable) time period (1 month) it works out an estimate based on last months income/outgoings and you fill in your expected differences, and Hey Presto! your balance as it SHOULD look i one month 5) Balance transfers: Owe someone some money? want to pay them in dribs and drabs? you have a choice, annoy them immensely by paying them by cheque, or transfer it straight to their account (any account) even at other banks, you can make this a regular thing or a one off, and again the service allows you to save the trasaction so you can repaet it, with slight alterations. I still owe my mum for my house deposit, so I just tranfer an amount stright to her bank. 6) Checking stuff: That dirty scamp of a housemate's cheque bounced? then check online to see when the money has come in using your statements and transaction search 7) Apply for a loan/Credit card: need credit?
        if you want it you can apply for one quickly and easily on the site, with no messing with legthy forms, as you've already confirmed who you are via the login etc. Security: Yes yes yes, this site is belled up like a church tower, you need a customer number, security number, online login code and security number before anyone can do real damage to you, and it varies the code everytime you login. I would be asked to put 3 letters from my login code (picked by the server at randon eg letter 1, 5 and 7 and the same for my number. This would let me look at my account, to alter the money in anyway (eg pay a bill) then a second level of authorisation is required in a similar way.. it's excellent. Get It! Yes I recommend it, I've popped the website below so go check, it, if you are a Royal Bank customer you can appy online using your existing account. Send it off and never use the post again. The website gives you a full chance to preview and interact with the service before you apply. Disadvantage: Cheques!!! I hate them, you can't pay them in anywhere, they are annoying and there is no solution for someone without direct banking to pay you money.. I still have to take time out to go to the bank to pay in cheques, but at least I can check when they have been credited. www.rbsdigital.co.uk

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          31.01.2001 05:52

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          The Royal Bank of Scotland does not to my knowledge operate an Internet account as such. The main advantage of this is that by operating an account with them via the Internet, you also gain all the advantages of being able to use local branches and other services. This is in marked contrast to accounts such as the Co-op's Smile accounts, which have had to make separate arrangements. The draw back in that they do not offer preferential rates etc for the accounts. As a current account holder however I have not found this to be a particular problem. Whilst the logging on system is quite long with several stages of security to overcome and several code names and numbers to recall it is simple to operate and self upgrading meaning that any upgrades are completed when you log on. It has an online technical manual however I have not yet had a need to make use of this due to the ease of use of the system. The system allows the following operations to be completed Set-up and canceling direct debits and standing orders Money transfers to other accounts you may have at the Bank or elsewhere. The system remembers where you have sent money in the past so that full details do not need to be entered every time you transfer money to the same account. Bill Payment to the majority of companies you are likely to need with further additions having just been made to the list (9/8/00). Of course electronic statements can be obtained as required and downloaded in a number of formats. I use qif files for Quicken, however Microsoft Money is also available as well as some others. I would recommend the Royal Bank of Scotland's current account (with Internet access) to anyone with Internet access (it is also a free telephone account should you need this service) as a satisfied customer with an account for several years and Internet access for almost 12 months. In addition it is worth noting that this bank does not, and has stated that i
          t does not intend to, charge for the use of cash point facilities (including the so called disloyalty fees) which is a key point for someone using the internet rather than a branch

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          04.08.2000 23:12
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          We have been using the Royal Bank of Scotland for a number of years and as far as banks goes they are as good or as bad as the next one. We had a fair share of hiccups dealing with their staff and even thought at one point that we would be better off sticking our cash under the mattress and be done with it. Then, they sent us a little leaflet about their new ‘Direct Banking’, which at the time was banking over the telephone... Hooray! No more ‘human’ contact needed! We started using it straight away. Direct Banking requires a few things to be set up before use ie. Password, security number, account number, bill payment etc. and you will need a phone with the right dialling tone. From that day forward we didn’t need them to do anything for us, we could transfer our money from one account to the other, pay bills etc. at any time day or night. It was great, but not as great as what came next: Direct Banking through the Internet: even easier, better, clearer, you know exactly where your money is, how much you have, you can pay almost all your bills – no stamps required, check on your direct debits or even cancel them online without need for a confirming letter, transfer money from one account to the other, set up a budget, and many other things. How to set it up? It was very straight forward, we applied on the Royal Bank of Scotland website and a couple of days later we received from RBS an enormously long password (only to be entered once) in a safe envelope, we had to go to their website with it and download the software, insert this password plus a few other security codes. It took a few minutes to set it up but then we were ready to use it, and do all the things mentioned above, transfer, bill payments, apply for a loan... It definitely made our lives a lot easier since we don’t have to deal with them personally. Call us antisocial if you want
          but our errors have been far less than theirs over the years and we have much better control over our money. We used to get very annoyed with them when they charged us for going overdrawn, even when we had sufficient funds in another account. Isn’t it funny how banks never try and help to save you such unnecessary charges? Touch wood but since using Direct Banking online we have never had any of these charges since. We thoroughly recommend it.

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          15.06.2000 01:51

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          The Royal Bank was the amongst the first of the UK banking institutions to offer a direct banking service online. The service is incredibly comprehensive, offering the chance to pay your bills, check your balances, order statements or cheque books, transfer money, amongst a raft of other useful features. The security level of the site is quite unbelievable - a user id, password, pin number, and then a second level if you want to do something you haven't done before. This gives you a high level of confidence that your data is secure- something I believe is incredibly important when banking online. RBOS's helpline staff could not be more helpful - they will do their utmost to sort out any problems you may have, whether with the connection or the site itself. The biggest pain about RBOS's internet banking is setting up the service itself. This involves typing a 20 digit code into the system, which invariably gets dropped or suffers server problems at this stage. I'd advise anyone signing up to request five or six of these codes, to save yourself a lot of time and hassle when one fails! However once you are up and running, the service itself is great - and RBOS do consistently improve and innovate on the online offering. This means that you can continually discover new things to do with your online bank account

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