RBS | Select Account

128 reviews

Monthly fee: Free

AER: 0%

Representative example: Representative Example*: If you have a Select Account with an arranged overdraft limit of £1,200 and you use all of this, you will be charged arranged overdraft interest at 19.89% EAR (variable) and a monthly Arranged Overdraft Usage Fee of £6.

RBS | Select Account customer reviews.

128 reviews

2.9 out of 5 stars

Good enough but could be better
00:13 13-11-2018
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Rates are ok but we never recieve any information about perks etc which means we often miss out

Kristy Leanne Brown

16:38 11-11-2018
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Closing Local Branches
11:58 05-11-2018
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Have been eith RBS Montrose branch all my adult life. RBS now decide to close my local and many other branches. For this reason I would not recommend them. and am consideting mobing my account

stewart alves

Great bank great customer service
10:45 11-02-2018
ImageSmart Money People

I have banked with RBS for many years and cannot recommend them enough.


Laughed at when I said I was leaving
09:15 10-02-2018
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I'd been with RBS for about 20 years, through all their troubles, and never got anything extra for being loyal. When I told them I was leaving and getting £125 for switching, the teller laughed that I would leave for that (that's not to be sniffed at) and did nothing to try to change my mind.


No frills, no issues
17:26 04-02-2018
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Product itself isn't great, customer service good

emma g

01:07 03-12-2017
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Not very good with online chat and getting money's back from people who should not have taken it

Da Baitch Dontbenosie

Nothing special
09:45 13-06-2017
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I have had an account with RBS for 18 years, and have just moved to the Bank of Scotland as they have a much better account. I have not had any problems with RBS, their staff have always been friendly. However, the actual Select Account is nothing special, it's very basic. I had a visa debit card but for some reason RBS refused to give me a contactless card (I asked twice, and have never had problems with the account!). I have had an account at TSB for a few years now which has a contactless card, as has my new Bank of Scotland account. RBS also don't pay interest on their Select Account (both the TSB and Bank of Scotland do pay interest), and the interest rates on their savings accounts are terrible. They do have another reward account which pays cashback on direct debits, but there is a monthly fee so I wouldn't earn that much switching to it as my bills are quite low. All in all, RBS are okay. The account is basic, it's nothing special. I think I have found better accounts elsewhere. So while I would not tell people to avoid RBS, there are much better accounts out there.


Good service, not a lot of benefits
21:51 31-01-2017
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Attempted to change name on bank account. Had three forms of I.d with me but was told it couldn't be done. Went to different branch who did it there and then

Jenn MacCaskill

It is what it is
21:54 24-01-2017
ImageSmart Money People

Your standard debit account. No sneaky charges etc etc. Incredible mobile app, great online banking features (minus the need to go on rbs.co.uk/Englandandwales rather that just rbs.co.uk) and great support from customer services whenever you need them. Best of all must be their feature to draw cash, even if you don't have your card, it's saved me so many times!

Idris Ahmed

Our review of RBS | Select Account

The Select Account from RBS is completely free and comes with the minimum benefits that you would expect from a current account such as access to mobile banking, online banking and a 24 hour telephone team. Customers also receive a contactless card and can request an arranged overdraft at the time of application. One thing to watch though is that the interest-free buffer is only £10, after this you’ll be charged so beware.

You can also use the RBS Select Account mobile app to withdraw cash from selected ATMs, which means if you’ve lost your card or had it stolen, then you can take out up to £300 to tide you over until you can sort something out. To be able to get the full £300 you will need to be registered with online or telephone banking though. By being registered you’ll also benefit from being able to log in and view transactions, your balance and transfer money.

There aren’t any reviews specific to the Select Account online, however we can take a look at the types of experiences that customers have received from RBS. On TrustPilot they’ve got the disappointing rating of ‘bad’. This appears to be down to things such as difficulty opening accounts, high overdraft charges and poor customer care.

Overall verdict: The RBS Select Account lacks any additional perks such as insurance or cashback, but it is free of charge. If you’re looking for a no-nonsense uncomplicated account that you want to be able to manage with ease then this could be an account worth considering.

Written by: Alex


  • Manage the account with online or mobile app banking
  • 24 hour telephone banking
  • Emergency Cash if card lost or stolen
  • Overdraft available
  • Receive text alerts

Minimum criteria

  • You must be aged 18 or over
  • You need to be a UK resident
  • No bankruptcy in the last 6 years


  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

About RBS | Select Account

The RBS Select Account has no monthly fee and offers account holders the ability to control their account via the mobile app, by logging onto the website or by calling the 24 hour telephone banking line. Customers can also set up text alerts and when using the mobile app, RBS Select Account holders can check their balance, view their recent transactions and transfer money to friends and family.

RBS also offer their Select Account customers Emergency Cash in case their card is lost or stolen. If you are registered with online or telephone banking then you will be able to withdraw up to £300 from the ATM machine using a code that RBS send, if you’re not registered then the maximum you would be able to withdraw is £60.

Customers of the RBS Select Account can also request an arranged overdraft when completing the account application. This will have an interest-free threshold of £10, and anything spent over that will incur a charge of £6, plus the interest at 19.89% EAR. If the transaction takes you over the agreed limit by more than £10, you will be charged a usage fee of £6.

Company information

Registration number: SC045551


0845 900 0400

Customer Relations, Freepost PO Box 1727, Edinburgh EH12 9JN

FCA registration

Reference No: 114724

Trading names: The Royal Bank of Scotland Plc, Williams & Glyn

Place of business: 36 St Andrew Square, Edinburgh EH2 2YB

Data protection registration

Registration No: Z5957925


Address: 36 St Andrew Square, Edinburgh EH2 2YB

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