Instant results - but no substitute for your branch (royalbankofscotland.co.uk)

Member Name: AnnieK

Product:	royalbankofscotland.co.uk
Date:	18/06/01 (302 review reads)
Rating:

Advantages: 24 hour access to Acc info, Ability to manage your own money, no travelling to the branch

Disadvantages: not always available, not always able to complete your requests

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!

Summary: