Ideas Bank

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I recently contacted bereavement team who changed a joint account into single account after bereavement of my mum. However, there was no advice given on standing orders or direct debits. Several days later when I called to enquire about these I was advised that I would have to write to the branch to cancel. Why can't the bereavement team provide a one and done service covering all aspects of the account administration. This would certainly help distressed customers at a very difficult time.

Online account folders

Status: New Idea
by peersi on ‎04-02-2015 08:31 AM

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.

 

etc. etc.

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) 

Internal Transfer Comments.

Status: New Idea
by grahamkeen on ‎22-01-2015 03:51 PM

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.

 

Thanks, Graham.

Make it easier to add a new idea here.

Status: New Idea
by Jambamatt on ‎20-01-2015 11:16 AM

The current UI for the ideas bank does not make it clear how you ADD an idea.

THE PROBLEM:

  • It is available from the Ideas home page  via the 'New Ideas' tab but this is grouped with Hot Ideas and Top Ideas, so it suggests that  'New ideas' means a section devoted to reading New Ideas, not making them.Then if you get to this section, the button to add a new idea looks like a section bar beacuse it just says 'New Idea'

Here are 3 different solutions - depending on how much change to the site is possible. Biggest change solution first:

SOLUTION A:

Add a button to the main home page that says 'Add New Idea + '

 

SOLUTION B:
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' .

 

SOLUTION C

Just change the 'New Ideas' tab to read 'Your New Ideas' - this at least covers both reading and contributing then.

 

END

 

Non-secure payment option

Status: Under Review
by ToastmasterMike on ‎02-08-2014 12:29 PM

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!

Status: Under Review

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

Ryan

Status: We're looking into this, but need more time
Thanks for your feedback on this Ry, it's a great idea :smileyhappy: I've checked with our Online Banking Team, and I can tell you that it is something we are already thinking about. However, it's a big project, so we don't have a timescale available to share at the moment. Who else thinks this is a good idea? Give it some Kudos and we'll see if we can hurry it forward!

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 "

END

FEEDBACK

Status: New Idea
by SB on ‎12-11-2014 11:16 AM

It may help customers confidence if you periodically (at least twice a year) publish a list of the subjects raised showing:

 

  1. The number of separate times the issue has been raised by customer;
  2. The kudos the subject has received
  3. The progress RBS has made towards resolving the issue.

Similar to the personal statistics on each subscribers page.

When creating a standing order rather than entering the sort code & account each time, have an option to select an existing payee. It would be much easier and reduce errors. Broadly improve the workflow for transactions online, small but badly needed

Make 'help' less unhelpful!

Status: New Idea
by pete-s1 on ‎06-11-2014 07:01 PM

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?

 

Thanks, 

Possiblity to sed E mails, once logged in.

Status: New Idea
by TheHiker on ‎05-07-2014 01:37 PM

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?

 

 

 

TImeout display

Status: We're looking into this, but need more time
by fingers on ‎20-03-2014 08:46 PM - last edited on ‎30-04-2014 02:55 PM by Community Manager

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.

 

Thanks

Status: We're looking into this, but need more time
Great idea Fingers :smileyhappy: This is a new idea, so let's see how much Kudos this gets from you guys, and then we can see how popular it is!

Separate field required for Payment Ref.

by Doug on ‎06-01-2014 03:29 PM
When setting up a payment online, the reference (such as an invoice number) should not be saved along with the payee details. There's no point in the system saving the payee's details if I have to delete them every time I want to refer to a different invoice.
My RBS cards are boring! Can there be a better or put some thought on the design of all your credit and debit cards? I feel embarrassed placing my card with my friend's beautifully designed Barclaycard.
Status: We're looking into this, but need more time
Sad to hear that you think our cards are boring :smileysad: thanks for your comments on this though, it's certainly a hot topic on our Ideas Bank! This is something we are looking into, so will need a bit more time to give you more information on any updates - we will keep you posted! If anyone else loves this idea...give it some Kudos :smileywink:

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.

 

 

Travel notifications

Status: Sorry, we can't do this right now
by BC on ‎12-03-2014 01:47 PM

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.

Status: Sorry, we can't do this right now
Thanks for your suggestion BC :smileyhappy: I've spoken with our Online Banking Team, and sadly this isn't something that is possible in our systems at the moment. It's a really useful idea though, so we will keep this in mind for future updates. If anyone else thinks this would be helpful for their travels...give it some Kudos!

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.

 

For example 

 

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.

 

 

 

 

E-mails

by Bluescoot on ‎25-02-2014 10:09 AM
Please stop emailing in the middle of the night as it wakes up anyone with their smartphone linked to their account... eg; me... Thanks.
In the Digital Banking service, the payment reference is held against the payee. This means that I need to amend the payee every time I have a different payment reference. It would be good to have a default reference that was editable with each payment.

Online banking shortfall

by DG on ‎24-01-2014 11:00 PM
I cannot set up two payments that have the same account and sort code but a different reference. I have to make two different varying payments to the same company each month and find that I cannot. This needs sorting on online banking.
Hello and Welcome to the Royal Bank of Scotland Ideas Bank!
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