RBS/NWest Payment rules

Descrabled

I use the android apps for my banking whenever possible. My Granddaughter says that most young people use smartphones and she only uses her laptop for education.

I have tried to use the apps for my RBS account and indeed my NatWest account but I find it totally confusing because it has two payment limits:

£1000 over 24 hours using up to 5 payments starting at midnight. This is for payments not previously used in the digital bank. These payments can only be made immediately and standing orders cannot be setup.

£5000 over 24 hours (any number of payments?) for payments to accounts previously used by pc/laptop. However, the 24 hours starts at 18:30.

So if I've made a payment of £2500 to one of my upper limit accounts at 7 pm does that preclude me from sending £50 to my new plumber for the next 29 hours or not.

A credit of £6000 from one of my maturing regular savers cannot be distributed easily to my other accounts.

I am not going to seriously use a bank account that needs me to fiddle about with debit card, card reader and computer when I can use bank accounts from Lloyds, HSBC, and even the Cumberland using only my android app.

RBS needs to seriously change their online banking proceedures if they are to compete and become a useful bank today. Especially if they want to attract younger customers who use smartphones.

kaMelo

You need neither a debit card or card reader to log in to online banking, indeed to some extent it's easier than some other banks as 2FA is not required to pay a payee you've already paid.
The £1000 limit on app payments is towards payees not previously paid via online banking. As the £2500 was paid to a previously used payee then it does not count towards the £1000 limit on those whom have not been paid via online banking.

Lloyds/Halifax are no better or worse, both require 2FA for new payees, the same as RBS/NatWest. HSBC easier? I don't think so, their app is clumsy and you can't manage investments via the app, only via online banking.
As for Cumberland, I'm happy to have their account and their regular saver is the best one I have but payments to/from the current account are at best a few hours or more usually next day so hardly an improvement on the instant faster payments provided by RBS/NatWest.

Gers

RBS digital banking is fine, apart from the 24 hour thing which is a safeguard. I wanted to move money out yesterday but couldn't because I had transferred the limit on Sunday. 

Limits can be raised. Staff in branch showed me how - I think it was by registering my biometric face on the app (not the same as Face ID) then changing my transfer limit to £20,000. 

I can't remember the exact sequence! 

Daliah

There are step-by-step instructions on the RBS website 

Setting up biometric approval 

Changing payment limits

No need to "fiddle about with debit card, card reader and computer" if you use the app.