Royal Bank of Scotland 4+

Works brilliant

I love everything but there are a few things that could be improved upon.
I like being notified of transactions, I can add other bank accounts rather than logging in separately to see balances. I can add store cards and set up savings goals.

It really is a good app and a good bank. Been with RBS for a long time. Their customer service is very good (except the one guy who was extremely difficult, condescending and just down right rude, so much so, he made me swear at him and hang up…then I complained about him when I called back) never had any other problems with them and that’s since the late 1990’s. They are always helpful (apart from that one guy) and really try to sort out any problems you have.

Things that could be improved.

I’d like to be able to remove payees. You know, that old friend you don’t like anymore, just incase I send to them by accident because I ain’t going to get that cash back lol.

Secondly, when I want to see past transactions. I find the date range selector very confusing. It should let me pick a start date and an end date. It looks like it does this but it does not. It’s not as straight forward as it should be. I think the option to type a name or company would be good. That way I don’t have to sift through pages of transactions to find what I’m looking for.

Getting there but still catching up…

Overall the app is good. Certainly a big improvement on earlier interactions. Still some pretty serious niggles though.
1) Face ID for payments is appalling. Just look at the photo it recognises compared with all your poses. And what the heck is all the blinking about. I can pretty much unlock my phone with my face in the dark yet I can only send a payment if I blink like a fly is trapped behind my eyelid!! Please fix this!!
2) BACS and Salary payments. Why is it a challenger bank like Monzo can tell me when money paid in by BACS is going to clear. Not only that you get 3 days notice and you get it credited at 4pm the day before RBS would grant you access to the funds. I thought BACS payments were notified to the bank under ‘advice if fate’?
3) Likewise with direct debits. The same challenger banks notify you 3 days before the amount and the payment date when a direct debit has been called. So a) you can check the amount and b) you can ensure you have the funds to cover them or recall them if you do not this saving you a recall fee (challenger banks do not charge for failed direct debits too!!)
Implement these 3 changes to bring yourself in line with your competitors and you’ll easy get 5 stars from me.

Developer Response ,

Thank you for the review 😊. Apologies that you’ve had issues with this, we’d certainly like to get to the bottom of it for you. Feel free to message us through Facebook or Twitter with your full name, sort code and postcode and we can help resolve this!
-AG

Balances Incorrect 😔

I’ve been using this app ever since it came out and is very useful and over time improvements have made the app even better however the last update 6.6.0 is a big backward step as my balances are not correct ! I run two accounts one for bills and one for general spending, the accounts are linked so that if the general spending account balance drops below £50 it gets topped up from the other account, balances were displayed correctly prior to the update, now it’s just a mess. For example if I had £250 in my main account and say £75 in my other account it is displayed that way then I just need to apply pending transactions, now accounts show main account shows £250 and the other account shows £325, it’s added the balance from the main account to the other account making you think you have more money than you actually have 🤔. Fairly sure this is because the accounts are linked and the app does not how to handle them properly, phoned a lot of people in RBS and they can’t sort it. So Mr developers can you sort this please and make the app useful again and stop it displaying money I don’t have !!