Quite often, I see my credit card balance say I'm due whatever amount by the 12th of a month - even if it's passed that date by a few days making me think I've not paid it.
The minimum appears on Accounts Summary then the full amount from the month appears as one of the options when you click on Pay Credit Card.
Wouuldn't it be better if it updated to tell you this month has been fully paid off or update the amount and date to next month's payment - or both?
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
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.
An app for a children's personal finance management. A gamified app to give could give them incentives to set goals for saving and budgeting. Another useful feature would be a P2P channel for parents to to give their children allowance through the app.
I use various ways to access my account i.e. Mobile app, online banking, telephone banking, branch etc.
However, if I logon via Mobile or Online Banking there is no consolidated view of the various methods used to access my account. What I am thinking is that if there were an audit trail screen that displayed to the customer the last say 15/20 logon or security passed methods or attempts I could tell if access my accounts had been made that I had not authorised e.g. If an attempt had been made to access my account by Telephone via the call centre when I know that I had only used online banking or the app.
I see this as a good way to prevent or minimise fraud and for customers to keep a closer eye on things. Then customers can proactively alert the bank when something unusual has taken place and perhaps prevent or reduce fraud.
Please, pleae, please, please get somone to sort out the anomalies with digital banking log-ons for persons who have accounts in both Scotland and England. The system takes you round and round in circles and more or less prevents successsful log-ons straightaway. This is absolutel infuruiating and has probably caused me to miss a request from the bank to transfer money today before the 1200 deadline. I am really sick fed up with this torture. Why can't I have one log-on that sees all my accounts at once? I would have sent this mesage via the live chat but this facility appears to be off-line at this moment in time.
There is nothing customer friendly or accessible with this malarky.
Sorry for rant but chronically depressing.
So I thought I would use this space to track the good and the not so good of the business banking onboarding process... let's see how we both get on...here is the story so far.
Good things in happy green, amber things are "oh well" and could do better things in a lovely red!
I should say that I'm very happy with RBS - I make these comments to highlight where things go wonky and could get better or just clarified in the process!
Watch this space for day 2.....it's been interesting so far. The "courting" part of our new relationship seems to be quite one sided and its not on my side....exciting isn't it.....
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.
When viewing the Manage Direct Debit screen, the list of my Direct Debits would be easier to manage if I could personalise them by adding an extra column so, for example, :
Instead of having 2 or 3 Direct Debit's saying ORANGE, I could also call them Tom's Mobile or Harry's Mobile.
All the insurance Direct Debits could also be called HOME or CONTENTS or CAR or BIKE, at the minute some of the descriptions are gobledegook and only mean something to a computer somewhere.
If it is possible to add an extra column, please make it able to take min 30 characters so it would be possible to add a bit more info. e.g. Harry's Mobile, Exp 03/15.
I notice when I fill in online Direct Debits or subscriptions where my sort code or account number are requested that my branch address does not appear. What appears instead is the address of the service centre who handle the central processing of such mandates / transactions. This must surely be confusing for many customers. How many customers would actually know this address or be able to verify it. Bank statements or cheque books only show the full branch address.
Can this be amended to only show the actual branch address or show both the branch address and the processing centre that the mandates are sent to.
As a service company I cannot for the life of me understand why branches are only open 9-5 surely this is the same time that the majority of customers are at work themselves. Okay there is the odd extra hour here and there on a Thursday night or sat morning but that really doesn't add very much.
Why are all branches not open untill 10 at night 7 days a week.
If it is to save money there is no need for them to open at 9 have them open at 12 or 1.
My problem is I work 9-5 Monday to sat and play football on a Thursday evening. I live in Alva. There is no option available to me to go into access a branch for any banking needs. Frankly I think this is very poor service as I canot be the only one in this sort of position.
Was wondering as you guys have an application which does not information customers of the status of the application untill its to late for example 60 seconds then why not add a feature to the app where it checks the status of mobile banking and changes the background of the app see below for samples.
Blue - All Working
Yellow (amber) some issues for example fater payments system is down if your doing a system update - but list the issues on the screen and maybe if you dont need any of theses services click next to logon
Red - total system outage