RBS, or the Royal Bank of Scotland, ensures employee engagement by creating a work environment where dreamers with diligence are recognised and rewarded. The RBS retail banking team has rolled out all the stops to offer clients an above-and-beyond suite of products and services. Through RBS’s mobile banking app, customers can send money or make payments, freeze and unfreeze misplaced cards, and even access accounts from select other banks. They can order travel cash in foreign currencies for branch pick-up or home delivery. RBS recently launched a budgeting tool to help clients visualise — and better control — where their money goes. For a history rooted in product innovation and customer commitment, the BV judging panel declares RBS as the 2019 winner of the Most Visionary Retail Banking Team (United Kingdom).