I'm with RBS, probably should be with Natwest instead as I live in England and access to the Nattiest branches are easier here. (you can't manage an RBS account at a Natwest branch or via versa). They have cocked up twice in the last couple of years with money incoming but have always dealt with it and not allowed it to negatively affect your credit rating and have paid for any charges you may have incurred as result, though both times I have been lucky enough to not be affected.
In the long run I'll probably move to Virgin Money, simply to give my custom to a local bank and the fact that RBS here in England are going to rebranded with the COE being a major shareholder.
Generally though I find their app really easy and simple to use with plenty of features. You could say that they have their front foot on technology, especially considering that they were one of the first to launch Apple pay.
