Wouldn't it be nice to have an online savings account where you can add logical folders and see what you're saving for ?
e.g. Savings Account
- Holiday Folder
- Mortgage Folder
- New Car Folder
The top level would show the total amount in the account and the folders would show how you've allocated your funds.
This way you can easily see how you're getting on saving for that particular dream
I CAN do this with MS Money but I reckon you'd offer a great facility that no other bank offers (as far as I know)
If you set up a new payee, you can add a comment that is attached to each transfer.
It would be very useful if you could do that when transferring money between different RBS accounts, so when you look back, you know what the transfer was for.
The current UI for the ideas bank does not make it clear how you ADD an idea.
Here are 3 different solutions - depending on how much change to the site is possible. Biggest change solution first:
Add a button to the main home page that says 'Add New Idea + '
Add a fourth tab that on the main page that says 'Add an idea', but have it still link to the same page as 'New Ideas', then…
On the New Ideas page, change the button to read '+ Add an idea' .
Just change the 'New Ideas' tab to read 'Your New Ideas' - this at least covers both reading and contributing then.
It is very irritating, when making a payment to an existing payee, to have to use the card-reader when you just want to change the payment reference, e.g. a different invoice number for each payment. Surely this field could be in a non-secure environment and could be changed at will, in the same way as you can change the payment amount? It does seem unnecessarily strict to have the change the payee parameters each time!
Here's an idea, and personally something I think AMEX are the leaders in as I've yet to find another provider that does this to the same level of detail as them. Until an item physically hits your account you can never tell 100% what is causing the difference between the 'Account Balance' and 'Available Balance', for example, simplistically I could have 'Account Balance' = £100 'Available Balance' = 50 and it may be several days later until that £50 hits (for obvious reason in some cases I know as it may actually never hit if it is a pre-aurthorisation). However, how AMEX get around this to be most helpful to the customer is almost immediately after I make a purchase I can see a sub-grouping of 'Pending Transactions' in my account that would detail something like SHELL PETROL £50*** (***meaning that the amount could change by the time it is fully validated, but this is more than likely the amount). I would really like to see RBS implement something like this as it would be extremely helpful to their customers and I would think in these days of Digital Banking that all the information is held on the systems anyway, just currently not accessible to the account holder.
I see this would be applicable to both Online and Mobile Banking.
Thanks and Regards
It's common to do things in other windows when you are waiting for a chat to either begin or reply.
The RBS chatters must lose a lot of people in mid chat this way, and customers have to start a new chat again.
SOLUTION: Update the chat window software with a simple new function to play an alert sound whenever the RBS staffer types a particular keyword into the chat , just something like " <nudge> ".
This would give the RBS staff a way to remind the customer to get back to the chat window.
This could play a simple beep or a sound file in the chat window like " You have a reply in your RBS chat window "
It may help customers confidence if you periodically (at least twice a year) publish a list of the subjects raised showing:
Similar to the personal statistics on each subscribers page.
It's a small point, but the 'RBS Help Panel' on the right-hand side of the browser window can be incredibly irritating. It randomly pops in on top of what I'm doing and wants to be helpful with things that are completely irrelevant. It's the digital equivalent of your mum wiping your nose when you're 12 - it's something you're capable of doing yourself when you need to.
I appreciate that some customers might find it useful, but I'll bet I'm not the only one who doesn't. There's a simple remedy - put an option on the tab to turn it off. Will you consider doing this?
Why, oh why, is it not possible to send an E amil to RBS, once you're logged in?
I bank with other banks, including one in France, and a share dealing account with another instituion, and they all give you the facility to send E mails.
I work in very remote locations, where I have a slow internet connection, but cannot make international phones calls, or even if I could, would not be able to sit hanging on the end of the phone listening to music for 20 minutes!
Internet phones systems like Sype, are blocked by the Governemnt.
Also why is sometimes possible to go on "Chat" with an advisor, but other times, (like today), it's not there?
When logged into my account I'd like to see a count down of how long I have left until the page will timeout. A reset button next to that would be good to so I can reset it if I know I want the page to not timeout for a bit longer whilst I find some paper work or something etc.
I've got a black account and pay £24 / month, but get very frustrated about having to hold a seperate account with Metrobank, so I get free foregin transaction abroad. This is a hassle as I'd rather do everything with RBS.
Wouldn't it be a good idea to give your package account holders free transactions abroad? This would be a nice reward, meaning I'd shut my Metrobank account and may also take out a credit card with RBS.
Have recently had to notify of travel abroad and the system does not allow the card to be in two different countries at the same time - well, the same date anyway. But I will encounter a situation where I will settle up at an Auckland hotel in the morning and fly to Singapore and pay up front for my hotel room there on the same day. I do need to be able to use the same date for two different places. It seems odd that your site doesn't allow this.
I am person with a very poor credit history and would like to build this up, but unfortunaly banks only accept people that have a good history for credit cards etc
I would like to see banks to help people who are in this situation.
Credit Card that is designed for people with poor credit even with a credit limit of 200.00. With or with out a secruity deposit just incase you can not afford the repayments.
Again with overdrafts
People that have poor credit that would like an over draft can have one but they one. but only if they pay the full amount of what in full until RBS is in a situation to refund the deposit.
This is how it will work
Say a customer comes in and ask for an overdraft of 150.00 but they have been turned down due to poor credit rating.
Tell them that they will be able to have the amount as long as they pay 150.00 upfront as a secruity deposit. Just in case they can not keep up with the payments.
Explain how to use this and give them advice on how to build their credit rating without the need of a secruity deposit.
Now with this RBS will be able to adapt with credit referncing agencies and help build people with poor credit
This is just a suggestion.