Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
36 St. Andrew Square, Edinburgh, Midlothian, EH2 2YB, United Kingdom
In the full report: 3 background checks
When rbs.co.uk first appeared online, and whether it can receive email
What kind of line 0345 724 2424 is
Who else gives the postcode EH2 2YB
Other names(6)
If you were contacted under any of these names, it is this firm.
Drummonds, Child & Co Trading name: A name it trades under now.
Holts Trading name: A name it trades under now.
Adam & Company Plc Former name: A name it was registered under before.
NatWest One Former trading name: A name it used to trade under.
The One Account Former trading name: A name it used to trade under.
Virgin One Account Former trading name: A name it used to trade under.
Warning
Scammers have impersonated this firm
Fraudsters have used this firm's name or details with their own contact
information to appear genuine. Check whatever you were given below, and
against the firm's real details above.
Arranging safeguarding and administration of assets
Assisting in the administration and performance of a contract of insurance
Causing dematerialised instructions to be sent
Credit Broking
Dealing in investments as agent
Dealing in investments as principal
Debt Administration
Debt-collecting
Debt-counselling
Entering into a regulated mortgage contract as lender
Entering into Regulated Consumer Hire Agreements as owner
Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement
Issuing Electronic Money
Making arrangements with a view to regulated mortgage contracts
Making arrangements with a view to transactions in investments
Managing investments
Providing Credit Information Services
Safeguarding and administration of assets (without arranging)
Sending dematerialised instructions
Limits on what they may do
RFB Sub-group
TO: National Westminster Bank Plc (FRN 121878) Coutts & Company (FRN 122287) The Royal Bank of Scotland plc (FRN 114724) TAKE NOTICE: The Prudential Regulation Authority of 20 Moorgate, London, EC2R 6DA has decided to take the following action. 1. ACTION Following an application received from each firm pursuant to section 55M(5)(a) of FSMA for the imposition of the requirements, the PRA has decided to grant the application. 2. CONSTITUTION OF THE RFB SUB-GROUP The sub-consolidation group comprises the entities within the scope of consolidation referred to in paragraph 3(a) of this notice. 3. REQUIREMENTS UNDER S. 55M FSMA (a) Pursuant to Article 11(6) of the CRR, each firm must comply with Parts Two and Three of CRR, and CRD UK law which implemented Title 7, Chapter 4 of CRD on the basis of the consolidated situation of NatWest Holdings Limited. (b) The firm must read any reference to sub-consolidation group in data items RFB005, RFB006, RFB007, RFB008, and the accompanying instructions in Supervisory Statement 34/15, as including the other ring-fenced undertakings and the undertakings in the sub-consolidation group. (c) Each firm must immediately notify the PRA of: (i) any change proposed by the firm to the composition of the sub-consolidation group or to the composition of entities that are other ring-fenced undertakings; (ii) any sub-consolidation group member or other ring-fenced undertaking carrying on or intending to carry on a new activity or materially changing the nature or extent of an existing activity which, if the entity were a ring-fenced body, would be an excluded activity under section 142D of FSMA and the Excluded Activities Order or would contravene a prohibition under section 142E of FSMA and the Excluded Activities Order; (iii) any failure to meet the requirements; or (iv) any change in circumstances likely to affect the ability of the firm to meet the requirements. (d) Each firm must be capable of demonstrating to the PRA that the requirements are met. 4. INTERPRETATION Interpretative provisions (including definitions in the Glossary) of the PRA Rulebook apply to the requirements. 5. EFFECTIVE DATE This written notice takes effect from 1 January 2024 and ceases to have effect on 1 September 2028. 6. DECISION-MAKER The decision to give this notice was made by Anna Ghobadian-Grinham on behalf of the PRA. This application has been granted in consultation with the FCA. This notice will be published on the Financial Services Register. ANNEX Definitions Excluded Activities Order means the Financial Services and Markets Act 2000 (Excluded and Prohibited Activities) Order 2014. firm means each of National Westminster Bank Plc, Coutts & Company, and The Royal Bank of Scotland Plc. other ring-fenced undertakings means GWNW City Developments Limited, Land Options (West) Limited, NatWest Property Investments Limited, Pharos Estates Limited, Pollinate Networks Limited. requirements mean the requirements in paragraph 3 of this notice.
Access to the electoral register
The firm shall access the full electoral register, where this is the most cost-effective way of verifying identity for anti-money laundering purposes and will not prejudice the interests of the customer, in order to carry out the current customer review exercise.
Financial Ombudsman complaints
Ombudsman complaints
new complaints, January–June 2025
658
upheld, against a 31% median
34%
about banking and credit
618
A bigger firm gets more complaints simply because it has more customers.
Companies House record
The company behind the firm: its status, age, registered office and directors.
A firm is run by people, and their other companies are their track record:
what they built, what closed, and anything that failed. It is the check most
people never think to make.
other companies
34
closed down
9
are FCA-registered
4
Lorem Ipsum Holdings LtdDirector · 2014 to 2019Dissolved
Dolor Sit LtdDirector · since 2016FCA-registeredActive
Amet Consectetur Property Services LtdDirector · 2011 to 2015In liquidation
Adipiscing Elit Group LLPSecretary · since 2020Active
In the full report: all 34 companies, named
What each company does, and whether it is still trading
Which of these 16 directors sit on each board, and since when
Any that went into liquidation or administration
The 4 on the FCA register, including one no longer authorised
The 4 companies these 16 directors run together
All 74 people who have ever been directors, with their dates
Key dates in its history
This firm’s history from the FCA register and Companies House, newest first.
FCA warned the public about a scam impersonating this firm
FCA warning list
2018
30 April 2018
Changed its registered name from "Adam & Company Plc"
FCA register
27 April 2018
Board replaced: all 7 directors left and 16 new directors took over
Companies House
2017
1 October 2017
Adam & Company Group PLC gave up control
Natwest Holdings Limited took control (75–100% of shares)
Companies House
2016
6 April 2016
Adam & Company Group PLC took control (75–100% of shares)
Companies House
2013
1 April 2013
Regulated by the FCA from this date
Regulated by the Prudential Regulation Authority from this date
FCA register
2003
28 August 2003
FCA imposed a requirement (Access to the electoral register)
FCA register
2001
1 December 2001
Regulated by the Financial Services Authority from this date
Became authorised by the FCA
FCA register
1983
9 May 1983
Incorporated at Companies House
Companies House
1901
1 January 1901
Regulated by the Investment Management Regulatory Organisation from this date
FCA register
In the full report: all 156 events
All 156 events in its history (14 shown here)
Every director appointment and resignation: 129
Connected firms
Other FCA-listed firms that share a director, phone number or address with this firm. A link shows who the firm is tied to, not whether either can be trusted.
connected firm
1
share a director
1
past links
3
Lorem Ipsum Finance LtdAuthorisedShared director
Dolor Sit LtdNo longer authorisedSame phone number
Amet Consectetur Capital Partners LtdAppointed representativeSame postcode
Adipiscing LLPAuthorisedShared director
In the full report: the connected firm, named
How it is linked: shared directors (1)
Who links it to this firm: the named directors, with dates
3 past links through former directors
Similar firms
Other firms of the same type (bank or building society), nearest first.
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on this firm
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
34 other companies its directors have run, named
3 background checks on its contact details
All 156 events in its history
1 connected firm, named, and who links them
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FirmSearch Report
The Royal Bank of Scotland Public Limited Company
Reference 114724 31 October 2026
Frequently asked questions about this firm
Is The Royal Bank of Scotland Public Limited Company FCA authorised?
Yes, The Royal Bank of Scotland Public Limited Company (FRN 114724) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as a bank or building society. The FCA has placed 2 limits on what it may do.
What is The Royal Bank of Scotland Public Limited Company’s phone number and website?
The FCA register lists the phone number 0345 724 2424 and the website rbs.co.uk for The Royal Bank of Scotland Public Limited Company. If you were given different contact details, use these to check with the firm before going any further.
Is The Royal Bank of Scotland Public Limited Company a scam or clone?
Scammers have impersonated The Royal Bank of Scotland Public Limited Company: the FCA has published a warning about fake versions of it, using contact details that are not the firm's. Only trust the details the FCA register gives for The Royal Bank of Scotland Public Limited Company, shown on this page.
Is my money safe with The Royal Bank of Scotland Public Limited Company?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about The Royal Bank of Scotland Public Limited Company to the Financial Ombudsman Service, free of charge.
Who owns The Royal Bank of Scotland Public Limited Company?
The Royal Bank of Scotland Public Limited Company is owned by Natwest Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 1 October 2017. Before that, it was controlled by Adam & Company Group PLC.
Who runs The Royal Bank of Scotland Public Limited Company?
Companies House lists 16 directors of The Royal Bank of Scotland Public Limited Company: Lena Cooper Wilson, Francesca Barnes, Patrick Gerard Flynn, Katie Murray, Roisin Jane Catherine Donnelly, Stuart Wilson Lewis and 10 more.
How long has The Royal Bank of Scotland Public Limited Company been in business?
The company was formed on 9 May 1983, and has held its current FCA authorisation since December 2001.
How many complaints does The Royal Bank of Scotland Public Limited Company get?
In January–June 2025, the Financial Ombudsman Service received 658 new complaints about The Royal Bank of Scotland Public Limited Company, and upheld 34% of those it decided.
Does The Royal Bank of Scotland Public Limited Company use any other names?
It trades as Drummonds, Child & Co and Holts. It has previously used 4 other names, including Adam & Company Plc, NatWest One and The One Account.