ROYAL Bank of Scotland (RBS), one of the retail banking subsidiaries of Nat West, provides its retail customers with an exemplary range of products and services. The bank has a strong reputation for innovation and client focus and does a fine job for online and mobile banking customers. Its network of 700 branches is mainly concentrated in its home country, but it takes little time walking around the towns and cities of other parts of the UK to run across a friendly RBS office. The BV judging panel recognises RBS as 2020 winner of the Most Visionary Retail Banking Team award (UK).