Royal Bank of Scotland Business Bank Account

I would draw your attention to the following service I have received from RBS.

1. We have a joint account albeit a rather dormant one and one name was omitted and lost.

2. RBS did however send the omitted person a VISA card and then had no record of it.

3. RBS sent a cheque book in a single name and then told us it would be find for the other person to use that cheque book.

4. Having finally got the second person reinstated they were unable to set up telephone or online banking despite many attempts.

5. We had 2 linked accounts which we wished to separate and despite many attempts this has not been done.

6. The personal banking website is slow and unresponsive

7. The people answering the phones have only basic knowledge and have to refer nearly everything.

8. Having spoken to one manager they told us that they would resolve matters but did not.

9. On several occasions we have been cut off

10. Having made a complaint the complaint handler called at an inconvenient time and promised to call back the following day. He did not and instead sent a letter.

11. When I called to ask for the matter to be dealt with by another person I was told that was not going to happen.

12. When I asked to speak to a manager I was told “managers don’t speak to customers”.

13. I have still not had a full response to my complaints but I did receive a letter 5th October stating that they will respond within another 4 weeks. This all began in August.

14. Many of these matters remain unresolved and nobody appears to care.

I’m afraid that RBS are not fit for purpose.

We will be closing our accounts with them

This is my first ever Business Bank account experience. ALthough I have had a personal bank account with RBS for 20 years. I explained this and said I would have questions. The lady preferred to talk down to me and slowed her wording like I was stupid. Not stupid! Just frustrated that my business sector did not fit into their drop down menu and therefore was asked to say I worked in a different sector.

For a company that advertises themselves as helpful banking it was anything but helpful. Now looking at different banking options

THINKING OF GETTING A BUSINESS ACCOUNT WITH RBS? PLEASE READ THIS FIRST.

I ran a UK based web development venture for several years. Back in 2012 I ran into bad health which put me out of work for a few months. As a result I missed a few payments on my business banking overdraft. Yip. My fault. Let's all pause and take that in. Once again, I'm saying MY FAULT. I missed a few payments. Got that? Okay. Ready to move on? Good!

After I got back to work business quickly picked up. I had lots of projects on and money started to flow in. All was well and I was confident of quickly getting back on top of all debt obligations.

One sunny afternoon I headed into my local RBS to pay in a cheque for some work that I had done. The friendly cashier said, "Can I just see your card for a second?" I gave him my card and he put it into a drawer by his side. Then he smiled. I asked what was going on. He said,

"I don't know, there's just a message which says I have to take your card. It's probably just because a replacement is on the way. Nothing to worry about."

Cool. No big deal, right?

Anyway, an hour or so later I happened to be in a cafe with a friend. I logged onto my business bank account with my laptop to check something. No joy. Couldn't log in. I called RSB. I'll never forget what they said:

"You don't have a bank account with RBS. Your details are not on file at all."

Folks, without a single phone call, without a single conversation from a business manager and without having made any sincere attempt to contact me whatsoever RBS literally switched off my financial life.

Within 24 hours I had no means of accessing my money at all. I remember walking around the park, cold hungry and wondering where it all went wrong. I had customers, I had skills, I was working hard and for some reason RBS had switched the whole life off. The decision by RBS to switch my life off (and I'm comfortable with that phrase) soon led to problems with my mortgage and other areas of my life. In the blink of an eye I was making enquiries to centres for the homeless and literally living off of the charity of friends and family.

Now, I'm sorry for being ill and I accept that, in hindsight, I could have handled things better. However, I will never forgive RBS for what they did. Their customer service is so bad that there's not a human being alive who could even tell me the name of my RBS business bank manager (it's a challenge not to laugh when I write that). As a matter of fact, I remember every few months they'd send me a letter introducing a new business account manager. None of them ever contacted me. None of them appeared to stay in the job for long. It became a sort of funny waste of paper.

"Oh look, there's ANOTHER RBS letter telling me about ANOTHER business manager whom I'll never hear from and never meet".

I'm telling you this because I want you to know what it's like to be an RBS business customer.

RBS, in my opinion, is the most wicked, unethical company in the UK. Fred The Shred is not some mythological character. He's a real person who made his way to the top of the RBS food chain and he didn't get that name for nothing. The entire customer service philosophy of RBS can be summed up in two words. The first word rhymes with "cluck" and the second word is "them".

This company has a culture of utter contempt for their customers. I absolutely guarantee that the vast majority of RBS business bank account holders have never even been in the same room as their *laugh* business bank manager.

I urge you NOT ONLY to avoid this company but to warn others to stay away!

Got a business account with RBS within 3 weeks with digital log in and debit card in straight forward procedure, perfect customer service u will be on hold for maximum 3 mins providing you with correct information as well.

I applied to open a business account with RBS coming up to 5 months ago, and am still waiting for this account to be opened. I'm a startup so called and was told an application needed to be emailed to me and once completed I would need to take it to a branch alone with ID which was all fine. first problem was the email took approximately 3 weeks to get to me, I only received it after countless calls. once received I went into a branch and handed all they needed, the application was sent off and then I waited another month when I didn't hear back I contacted them to be informed as my driving licence stated my place of birth as outside the EU I would need to take my British passport into a branch, I agreed. after this I waited a further 3 weeks without a word so I decided to follow up, I was then asked to provide proof of where I was expecting funding for the business which I did. I waited to hear back with a decision and no words so I got back in contact and was asked to provide a credit report which I have done and was told I would get a decision in 3 to 5 days. that was 3 weeks ago and after 5 months of trying to open an account with RBS I think I can truly say I have had the worst experience EVER and am not opening my account with another bank.

Business banking with RBS hugely disappointing. We were promised a bank account in 3days, 6wks later after continuously trying to access our bus bank manager to query why we hadn't yet received our account details, incidentally this was the same bus bank manager who 6wks before had promised he would always be contactable (one year on we have yet to speak to him!), I called into the bank to say we had customers trying to pay us but embarrassingly we have no account could I please make an appointment to see our bus bank manager! The person who took my query went away to speak to our business bank manager (who was in the bank that day) and came back with a torn fragment of paper with an account number on. More disasters were to follow, credit cards with misspelled names replaced with the same misspelled names, debit cards sent out WITH pin numbers in the same mailing, lost DD mandate which authorised payment in full for credit card so first month the minimum payment was taken only so had to dash into the bank to make a faster payment to avoid the bank charge. In summary, I need to employ a full time member of staff to manage my RBS business bank account. Made life easier last week…I moved to Santander! Bye bye RBS. I have been a customer for 40years with a number of accounts that are in the process of being moved elsewhere. Your bank has gone to the dogs. No more loyalty from me.

I opened a business account at RBS and received all the introductory material in the mail. However, I was unable to get online account access, which is very important to me, as my business is internet-based. I called several times and was finally told that I needed to provide more material for proof of address. I brought a few of the things listed to my local RBS branch. No effect. I paid two visits to the city centre branch with more proof of address. I still couldn't access my account. At this point, I'd wasted the equivalent of days trying to get the account into a usable state.

Finally, I decided to give up and close the account. I wrote a letter to RBS asking them to do so. However, their website said that accounts had to be closed at the branch where they'd been opened - and it didn't mention anything about chequebooks... this is foreshadowing, BTW. I printed my letter and back I went to the city centre branch. They told me that I had to close the account at their 'business centre'. Fine. I went there with my letter. I handed it to a staff member and was told that they wouldn't close the account unless I handed in the cheque book - which, of course, i had never used, because the account had never been active. Back home I went, and I had to fish it out of the rubbish. By the time I'd found it, the business centre was closed for the holiday weekend.

They are completely incompetent, their customer service is rude, and their attitude is that they're doing you a favour by allowing you to be their customer. They offer two years free banking for startups - but it's not really free. They will waste your time and cause you tons of unnecessary stress. Steer far clear of RBS. I'll be in there with the chequebook first thing on Tuesday. Every contact I've had with them since opening the account tells me that I'm dodging a bullet. They can't get an account properly opened OR closed, apparently. I just hope that I manage to successfully disassociate myself from them without wasting too much more time. What a horrible experience!

Listen, ISubmitted by Anonymous on Thu, 08/27/2009 16:47.Listen, I also credit this [censored] bank. Threatened by the cortus, mol property taken away. I 7000 USD took their, and now with their penyami and fines should have a car. Absolutely crazy!!!!! I asked me to renew the contract no!!! We, they say ... that's paying them to 50 USD / month. Also think, can not pay at all?

The Royal Bank of Scotland (RBS) are a complete joke of a bank. I rang their business account centre three weeks ago in order to open a Business Account. They spent over 30 minutes on the phone, and then told me that a local manager would ring to finalise the process. He didn't ring.

So I rang again last week, and spend a further 25 minutes going through my details again. Again, they told me a local manager would ring to complete the process. Again I heard nothing.

So yesterday I telephoned again. After another 30 minutes on the phone (where the guy on the other end said he had had numerous complaints already that day), he promised me to email the details through to me that day. But did they turn up? No.

Cretinous excuse for a bank. I am off to Lloyds to try my luck there.

I tried to open a business account in Barclays in Soho Road and they ask me a prove of identification. I showed to them my ID Card the only prove i have from my identification because Im a member of a european country , and they say NO ! we just accept passports !! This is a nonsense because every branch they ask ID card or passport ... The atitude from them it is a racist atitude , beware eurpoean people from soho road barclays they do not accept europeans id cards !! And if you go in there with sport clothes they look at you like you are a criminal !