RCI Bank Reviews 651

TrustScore 4 out of 5

4.2

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers appreciate the user-friendly website, highlighting its ease of navigation, which is particularly beneficial for elderly users. Consumers also value the competitive interest rates offered and the straightforward account opening process. Many reviewers specifically mentioned positive experiences with individual customer service representatives, praising their patience, helpfulness, and efficiency in resolving issues. People report that the service is reliable and appreciate the promptness of the support team. The clarity and ease of online transactions are also frequently mentioned as positive aspects of the overall experience. Furthermore, a number of reviewers trust the company, citing their long-standing relationships and consistent performance.

Based on these reviews

Rated 4 out of 5 stars

I opened new accounts, having had good experiences with RCI in the past. The process is straightforward and the online form is clear. When I later had a query, my telephone call was put through promp... See more

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Rated 4 out of 5 stars

I have 2 savings accounts with RCI and one POA account for my mother. The latter wasn't all that easy to open but the interactions I had on the phone were very good. When opening my personal savings... See more

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Rated 4 out of 5 stars

I have had an account with RCI Bank for some time. Their accounts seem straightforward to open and monitor and the rates of interest competitive. I have been pleased with their performance and attr... See more

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Rated 5 out of 5 stars

I recently set up a deputyship account (similar to power of attorney) for my mother. When I tried to log in yesterday with the password I thought I'd set, after 3 tries it blocked the account. Thi... See more

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Rated 5 out of 5 stars

I recently took out a 3yr bond with RCI and had occasion to call and query something. I spoke with Scott, who was extremely polite & helpful. He took time to run through things with me and he made m... See more

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Rated 5 out of 5 stars

I’ve always found the staff at RCI really easy to talk to and very patient, although the pre recorded preamble is very annoying and not necessary to be so long! However, once you’re through, I spoke... See more

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Rated 5 out of 5 stars

I have just opened an account and needed some advice about getting going with the online banking. I rang the telephone support line and David was very helpful and patient. Providing all the informat... See more

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Rated 5 out of 5 stars

I had never heard of RCI Bank before I opened a personal "Freedom Savings" account. It has a good interest rate, and even though the app looks a little simple or old-fashioned, it works perfectly all... See more

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Rated 5 out of 5 stars

I'm a recent customer of RCI bank. Recently I had an issue depositing a sum of money into my account. This was subsequently rejected by RCI. I contacted them by phone and spoke with Ian Kent. I... See more

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Rated 5 out of 5 stars

Absolutely 1st class service with positive and friendly interaction Very easy to use app on the phone and payment of interest is 1st class either to bank or savings account Very good competitive i... See more

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Rated 5 out of 5 stars

Highly recommend RCI Bank customer service Ian Kent. I telephoned and explained to Ian Kent my situation. He was incredibly helpful, listened and talked me through my dilemma. He explained he woul... See more

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Rated 5 out of 5 stars

RCI are a fantastic bank! I have been using them for years and have 3 savings accounts with them. I love how easy their app and online system is to use and how you can personalise the accounts nam... See more

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Rated 5 out of 5 stars

I m a new client/investor at RCI. The website is clear and easy to use and opening a personal savings account took less than a day. The RCI customer service is very, very good with contact hours... See more

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Rated 3 out of 5 stars

Interest rate is competitive but not the best on the market. They need an app like Chip. Slow on transactions. The website is clunky and difficult to use. Try finding the sort code and account numbe... See more

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Rated 5 out of 5 stars

Over the last two years, I have had two accounts with RCI bank. Given the recent high interest rates, government insurance, and connection to the French Renault company, it seemed a reasonable decis... See more

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Rated 3 out of 5 stars

I'm at the opening account stage after reading Martin Lewis's advice on higher % rates for savers. After checking the mostly negative reviews, I'm getting 'cold feet'. Like all the other 'banks', the... See more

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Rated 5 out of 5 stars

Telephoned as my savings account had got locked out plus one other issue. The phone was answered quickly by Wendy who was brilliant in every way. Really appreciated talking to a real person rather tha... See more

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Rated 5 out of 5 stars

I had misplaced the details of my account and had been unable to log in, so thought it would be quicker to phone RCI. I spoke to David, who was reassuring, friendly and efficient; talked me through t... See more

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Rated 5 out of 5 stars

Opening a new joint account online today was in fact an easy operation as the website is very user friendly, but despite that as a couple of “seniors” we thought we had made an error (we hadn’t!). We... See more

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Rated 3 out of 5 stars

Having had a 14 day notice account that works well, I opened a savings account last month. The initial transaction, using a code, opened the account with a token £100. I was then given my actual accou... See more

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Rated 5 out of 5 stars

Had an excellent customer service agent 'KIT', helped me navigate the website. So patient and helpful. I am chuffed with their knowledge and skill sharing ability. Spent at least a few minutes get... See more

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Rated 5 out of 5 stars

One of my fixed accounts is due to mature within 10-14 days and I was looking for the best rates to invest in. I called the Call Centre just to clarify and summarize the differences between a number... See more

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Rated 5 out of 5 stars

Always kept well informed. Telephone staff are both pleasant and extremely patient - I could not remember my log in. but they helped me through the process and resolved the issues concerning our matu... See more

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Rated 5 out of 5 stars

After problems trying to transfer cash into my account, I phoned, earlier today. The phone was answered immediately, and six options were very clearly given. I pressed 6, and that was also answered im... See more

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Rated 5 out of 5 stars

A holder of two accounts with RCI, the first of which I opened nine years ago, I have been delighted with this bank from day one. Because of some anomalies in my own record-keeping for the older acco... See more

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Rated 5 out of 5 stars

I had a few complications ( all down to me ) as my fixed term savings account approached maturity. I had extremely helpful support from David. He was very patient and helpful, both during my initial c... See more

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Rated 5 out of 5 stars

I recently opened a RCI savings account. I also have a 95 day account. I enjoy watching my interest and savings grow. Opening the accounts were very easy and straight forward. RCI have been great... See more

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Rated 5 out of 5 stars

As a result of an administrative error, the bank closed my newly-opened savings account. I spoke with a very helpful customer services staff member named David who agreed to look into the matter and... See more

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Rated 5 out of 5 stars

I initially mistrusted the concept of transferring money first to RCI Bank's own account with a reference to ensure it then gets to mine. However, when I called customer service, it was answered quick... See more

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Rated 5 out of 5 stars

We've had a joint savings account with rci for many years. It's always had way better interest than any other account we've found and so we've now opened one for our daughter too. It's a little bit fa... See more

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Rated 5 out of 5 stars

Having found a savings account that fitted my needs, I was delighted at how easy it was to set up the account, make my first deposit, and verify my attached current account. Now I have a convenient ac... See more

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Rated 5 out of 5 stars

Had a problem with regards to a previous account that was closed and at the same time open a new account. Unfortunately, the new account wasn’t shown on the app. Spoke to an agent at RCI Bank Call C... See more

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Rated 5 out of 5 stars

I always had a gut feeling that RCI Bank UK is a safe place for my money. My husband had used it for several years and introduced me. The website is so, so easy to use - especially as I am now 91 year... See more

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Rated 5 out of 5 stars

My experience with RCI was just how I hoped it would be. Application was simple and straightforward, interest rate, very competitive, and they do monthly interest - just received first payment this mo... See more

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Rated 5 out of 5 stars

Easy to open account, good interest rate, very helpful and courteous staff on the phone, sorted issues really quickly, lots of account options, excellent service all round. Thanks

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Rated 5 out of 5 stars

Had problems signing into my account and my mobile app.The person that helped me was Ian very professional and helpful as are all the staff at Rci bank .

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Rated 5 out of 5 stars

Spoke to a lovely lady called Wendy who talked myself and husband through what we felt was quite a stressful situation with such ease and friendliness and completely put our minds at rest. Well done W... See more

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Rated 5 out of 5 stars

I have saved with RCI Bank for many years now often holding many different accounts at the same time. They are a company that I trust and they often give very competitive rates which is why I have rem... See more

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Rated 5 out of 5 stars

Recommended to me when I retired. Great reliable bank. Reliable App. Great staff to talk to if needed and never waited too long to get connected. Today assistant Kit ticked all the boxes: Polite, frie... See more

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Rated 5 out of 5 stars

I 'shopped around' and RCI Bank provided the best interest rate. (Always a deciding factor). I have other accounts with RCI and have had them for a while. I would definitely recommend. Website is... See more

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Rated 5 out of 5 stars

I invested in the RSI Bank based on other reviewers comments. Although the rate was not the best overall it was my view that taking all things into consideration RSI were to receive my money at this t... See more

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Rated 5 out of 5 stars

I needed help in finding the interest certificate for my account for my tax return. I spoke to David who was very helpful, friendly and patient and I managed to print off the statement at home in no... See more

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Rated 5 out of 5 stars

As a Power of Attorney for my parents accounts, I have had to contact RCI Bank for help and advice on two occasions in the last 7 days. The phone was picked up within three rings both times and David... See more

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Rated 5 out of 5 stars

Staff person listened well, and was patient, he explained to me how to go on to my second account, and what was needed as the bank had not yet merged my two accounts .

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Rated 5 out of 5 stars

This morning I spoke with David. It was an informative and very helpful call. Very courteous and polite. RCI are always very quick to answer calls, and have always acted in an extremely efficient way... See more

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Rated 5 out of 5 stars

I have always found RCI Bank telephone service to be most reliable-assuring. Spoke to David this morning - very helpful indeed, but so was everyone I spoke to these last few days.

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Rated 5 out of 5 stars

David was very helpful in talking me through what I needed to do to access my account. He was patient, polite and to the point. An excellent customer experience for me.

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Rated 5 out of 5 stars

Always easy to contact RCI and speak to a real person. Good access to available accounts and interest rates which are very competitive.

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Rated 5 out of 5 stars

Telephone help on logging in really friendly and helpful. Easy to get through to as well.

Company replied

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Company details

  1. Bank

Written by the company

RCI Bank is a digital bank that offers simple and straightforward savings accounts, providing our customers with an award-winning service online and via our app. Save in seconds with the RCI Bank app. Download it on the App store or Google Play store or visit our website by clicking the link above.


Contact info

4.2

Great

TrustScore 4 out of 5

651 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 88% of negative reviews

Typically replies within 48 hours


Rated 5 out of 5 stars

Excellent and friendly help from David

I had to phone RCI as I couldn't access my account. I have had a stroke recently and my faculties are a bit degraded! I spoke to David & explained my circumstances. He was very sympathetic and helped me complete the service I required. He joked that he will be available to me until his shift ends at 5pm and I am sure he would have been there for me until I finished the transaction if necessary. Very excellent customer service all round. PS it only took one hour to resolve my issue but that is not the point! Thanks David and RCI

October 14, 2025
Unprompted review
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Reply from RCI Bank

Hi Mark,
Thank you for taking the time to provide your feedback. We're very pleased that you found our customer services team very pleasant and helpful. We will make sure this is fed back to the team. Have a lovely day.

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Rated 5 out of 5 stars
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Excellent service

This morning I rang RCI. The service was excellent. I spoke with Scott. He was both professional and friendly. He resolved my query. He made dealing with RCI easy. Thanks Scott.

October 13, 2025
Unprompted review
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Reply from RCI Bank

Hi Elle, We really appreciate your feedback and are glad you had a pleasant experience with us. Have a lovely day.

Rated 1 out of 5 stars

Arbitrarily closed my account

I had banked with RCI for over 10 years when I transferred a sum of money into the account from my own savings elsewhere. They wrote to me demanding details on where the funds where from and I gave them a fairly comprehensive answer by online message. They then sent me a further letter wanting much more detailed information, giving me 2 weeks to reply. The letter happened to arrive whilst I was away on holiday. By the time I got home they had closed my account!

I strongly advise anyone from using RCI when they treat long standing customers in such a high handed and unfriendly manner.

October 6, 2025
Unprompted review
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Reply from RCI Bank

Hi Harry,
I'm sorry to hear this. You will shortly receive a direct message through Trustpilot. To better understand your situation, could you please reply to that message with your full name, contact number and account number. Once received, a member of our team will be in touch.

Rated 5 out of 5 stars

It was so straightforward & only took a…

It was so straightforward & only took a couple of minutes to reinvest my maturing account. It’s just a pity about the interest rates being lower.

October 11, 2025
Unprompted review
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Reply from RCI Bank

Hi,
We really appreciate your feedback and are glad you had a pleasant experience with us. Have a lovely day.

Rated 5 out of 5 stars

Friendly helpful telephone support call

I have just opened an account and needed some advice about getting going with the online banking. I rang the telephone support line and David was very helpful and patient. Providing all the information I needed.

October 10, 2025
Unprompted review
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Reply from RCI Bank

Hi,
Thank you for taking the time to provide your feedback. We're very pleased that you found our customer services team very pleasant and helpful. We will make sure this is fed back to the team. Have a lovely day.

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Rated 5 out of 5 stars

I recently set up a deputyship account…

I recently set up a deputyship account (similar to power of attorney) for my mother.
When I tried to log in yesterday with the password I thought I'd set, after 3 tries it blocked the account.
This evening I chatted to Kit who was very friendly and professional. He patiently helped me reset the password and waited till I successfully logged in.
Setting up a deputyship bank account with other banks has been fraught with difficulty but RCI has made everything straightforward and, more importantly, quick. Well done RCI!

October 9, 2025
Unprompted review
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Reply from RCI Bank

Hi Carrie,
Thank you for taking the time to provide your feedback. We're very pleased that you found our customer services team very pleasant and helpful. We will make sure this is fed back to the team. Have a lovely day.

Rated 5 out of 5 stars

RCI do caring & professionalism v well indeed

I recently took out a 3yr bond with RCI and had occasion to call and query something. I spoke with Scott, who was extremely polite & helpful. He took time to run through things with me and he made me feel he had all the time in the world to get things right, I didn’t feel rushed and there was no urgency in his voice or no background chatter that you often here from call centres, he even suggested putting an alert on my account for others to see, this wasn’t required but was so thoughtful. RCI seem to run things with care and professionalism, other banks, take heed!
Great interaction, with easy on line systems and a good interest rate.
Keep it up !

October 7, 2025
Unprompted review
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Reply from RCI Bank

Hi Paula,
Thank you for taking the time to provide your feedback. We're very pleased that you found our customer services team very pleasant and helpful. We will make sure this is fed back to the team. Have a lovely day.

Rated 1 out of 5 stars

I begrudgingly score RCI bank a one

I begrudgingly score RCI bank 1, but in my experience there should be no marks here. This bank decides to record misinformation on my credit file, therefore affecting my credit score immensely. I made a complaint to them directly. I was hopeful that the matter would be resolved fairly. They couldn't give me the respect to respond appropriately to my complaint.I am not one to complain but because of how this is affecting my life, I have to. This matter has now been referred to the ICO and the FCA. Really poor service.

August 31, 2025
Unprompted review
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Reply from RCI Bank

Hi,
I'm sorry to hear this. You will shortly receive a direct message through Trustpilot. To better understand your situation, could you please reply to that message with your full name, contact number and account number. Once received, a member of our team will be in touch.

Rated 5 out of 5 stars

Telephone help on logging in really…

Telephone help on logging in really friendly and helpful.

Easy to get through to as well.

October 6, 2025
Unprompted review
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Reply from RCI Bank

Hi Pauline,
We really appreciate your feedback and are glad you had a pleasant experience with us. Have a lovely day.

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Rated 5 out of 5 stars

Excellent CS once you get past annoying recorded preamble!

I’ve always found the staff at RCI really easy to talk to and very patient, although the pre recorded preamble is very annoying and not necessary to be so long!
However, once you’re through, I spoke to Kit today and he was fabulous, very patient when I’d forgotten all my log ins and then forgot them again! I’m pretty sure I’ll be reinvesting once my policy matures and that’ll be in part due to the customer service. It’s rare nowadays to speak to someone who listens and doesn’t constantly try and sell you something! Well done RCI and Kit

October 3, 2025
Unprompted review
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Reply from RCI Bank

Hi Anitka.
Thank you for taking the time to provide your feedback. We're very pleased that you found our customer services team very pleasant and helpful. We will make sure this is fed back to the team. Have a lovely day.

Rated 1 out of 5 stars

A ignorant Bank, (used to be good)

I have been with this bank for many years & I have just found out that the app is no longer supported for my phone, no prior notice, no customer care, Have phoned today but just a could not care less attitude from the cal centre

So after this ignorant attitude from RCI I will close all my accounts and take my monies to a bank that does care!

September 30, 2025
Unprompted review
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Reply from RCI Bank

Hi Anne.
I'm sorry to hear this. You will shortly receive a direct message through Trustpilot. To better understand your situation, could you please reply to that message with your full name, contact number and account number. Once received, a member of our team will be in touch.

Rated 5 out of 5 stars

Absolutely 1st class service with…

Absolutely 1st class service with positive and friendly interaction
Very easy to use app on the phone and payment of interest is 1st class either to bank or savings account
Very good competitive interest rates

September 30, 2025
Unprompted review
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Reply from RCI Bank

Hi Paul.
We really appreciate your feedback and are glad you had a pleasant experience with us. Have a lovely day.

Rated 3 out of 5 stars

OK but not brilliant

Interest rate is competitive but not the best on the market. They need an app like Chip. Slow on transactions. The website is clunky and difficult to use. Try finding the sort code and account number for the account.

September 26, 2025
Unprompted review
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Reply from RCI Bank

Hi Paul,

Thank you for taking the time to provide your feedback — we really appreciate it. We're always looking for ways to improve, and your comments help us do just that.

Our pay in account details (including sort code and account number) are shared with you when you first sign up. If you ever need a reminder, you can also find them easily within our app or in the FAQs section on our website.

To pay into your RCI Bank account from your nominated account (the one you linked during account opening), simply use the following details:

- Account number: 81359894
- Sort code: 40-02-50
- Payee/Beneficiary: RCI Bank UK
(This may appear as HSBC — they help us process payments. If prompted, please select “business account.”)
- Reference: Use your unique payment reference number provided at account opening.
(This is essential to ensure your payment is correctly allocated.)

If you have any trouble locating your details or making a payment, our support team is always happy to help.

Thanks again for your feedback!

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Rated 5 out of 5 stars

Great personal service from David

I had misplaced the details of my account and had been unable to log in, so thought it would be quicker to phone RCI. I spoke to David, who was reassuring, friendly and efficient; talked me through the whole process and left me a very satisfied customer. Thank you so much!

September 18, 2025
Unprompted review
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Reply from RCI Bank

Hi Meg.
Thank you for taking the time to provide your feedback. We're very pleased that you found our customer services team very pleasant and helpful. We will make sure this is fed back to the team. Have a lovely day.

Rated 5 out of 5 stars

Highly recommend RCI Bank customer…

Highly recommend RCI Bank customer service Ian Kent.
I telephoned and explained to Ian Kent my situation. He was incredibly helpful, listened and talked me through my dilemma. He explained he would need to speak to a manager and would call me back by the end of the day.
Ian phoned me and explained clearly the solution to my query. During our conversation he asked if I had any other queries or if there was anything else he could help me with.
A very big thank you to Ian for his clear explanations.

September 16, 2025
Unprompted review
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Reply from RCI Bank

Hi Teresa.
Thank you so much for taking the time to provide your feedback. We're very pleased that you found our customer services team very pleasant and helpful. We will make sure this is fed back to the team. Have a lovely day.

Rated 5 out of 5 stars

Great Savings rates

Very competitive savings rates. The online (website) process to renew the fixed deposit was very logical and easy to follow.

September 16, 2025
Unprompted review
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Reply from RCI Bank

Hi.
We really appreciate your feedback and are glad you had a pleasant experience with us. Have a lovely day.

Rated 5 out of 5 stars

Had problems signing into my account…

Had problems signing into my account and my mobile app.The person that helped me was Ian very professional and helpful as are all the staff at Rci bank .

September 16, 2025
Unprompted review
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Reply from RCI Bank

Hi David.
Thank you for taking the time to provide your feedback. We're very pleased that you found our customer services team very pleasant and helpful. We will make sure this is fed back to the team. Have a lovely day.

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Rated 5 out of 5 stars

Excellent customer experience

David was very helpful in talking me through what I needed to do to access my account. He was patient, polite and to the point. An excellent customer experience for me.

September 16, 2025
Unprompted review
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Reply from RCI Bank

Hi Paula.
Thank you for taking the time to provide your feedback. We're very pleased that you found our customer services team very pleasant and helpful. We will make sure this is fed back to the team. Have a lovely day.

Rated 5 out of 5 stars

Good interest rates and solid app

I had never heard of RCI Bank before I opened a personal "Freedom Savings" account. It has a good interest rate, and even though the app looks a little simple or old-fashioned, it works perfectly all the time. I found that transactions in/out with other banks processed quickly

September 15, 2025
Unprompted review
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Reply from RCI Bank

Hi Mark.
We really appreciate your feedback and are glad you had a pleasant experience with us. Have a lovely day.

Rated 5 out of 5 stars

David was fantastic super helpful

David was fantastic super helpful, knowledgeable and amazingly polite. Been very happy with the RCI experience to date!

September 12, 2025
Unprompted review
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Reply from RCI Bank

Hi Gavin, Thank you for taking the time to provide your feedback. We're very glad to hear that your ongoing experience with us continues to be a happy one

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