I'd been with RBS for over 30 years, having still used my same account I opened as a child. I no longer have any accounts with them. My debit card random stopped authorising. I phoned them, RBS told me it was expiring soon and stopped as they have sent a new card (it had not expired, I'd not received a new card or been informed to look out for a new card). They sent me another new card. It didn't work online or offline. They sent me another card again. This one didn't work about 50% of the time. Apparently the address didn't always validate - despite being used at websites and shop I'd used many times before. I tired every version of my address I could think of and another worked reliably - despite working fine for other banks. This process took about 3 weeks of me not having a usable card so I closed my accounts and moved to another bank. As a sting on the tail, RBS refunded the last direct debits I'd paid to the my mobile phone provider, thus acting like I'd never paid them - and causing me to have to deal with missed payment fees.