RCI Bank Reviews 

913
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 383 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently highlight the exceptional customer service and the helpful, knowledgeable staff who provide pleasant and efficient support. Many people appreciate the straightforward and easy-to-navigate website, making online interactions and transactions seamless, with the overall service frequently described as excellent. However, some customers also noted inconsistencies in customer service, with experiences including receiving automated replies without progress, conflicting advice from different staff members, and frustratingly long interactions. Additionally, a few people found certain processes, such as changing nominated banks, adding account holders, or opening new bonds, to be laborious or slower than expected.

What people talk about most

Customer service

Clients share positive opinions on customer service, frequently highlighting the helpfulness, patience, and... See more

Staff

Consumers find staff to be positive, consistently praising their helpfulness, patience, and politeness.... See more

User experience

Customers consistently note positive experiences with user experience, highlighting the ease of use and... See more

Service

Reviewers highlight positive aspects of service, with many customers expressing satisfaction with the... See more

Website

People report positive experiences with the website, finding it easy to use, navigate, and well-designed for... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Very happy to have used RCI, easy to navigate website and find information. When account was about to mature was kept informed via email to advise me what was needed. Will definitely use again if... See more

Company replied

Rated 5 out of 5 stars

Open a 1 yr Bank Bond which was simple enough. Postal authenticated receipt received and updated, no issues there. Email and texts received when deposits, via bank transfer, have been placed. Competit... See more

Company replied

Rated 5 out of 5 stars

We have used RCI for years and used a huge range of products such as Bonds and cash investments. We have discovered very good rates of interest, transactions are swift and I am always notified when m... See more

Company replied

Rated 5 out of 5 stars

Experience was seamless. Opened a new ISA and transferred funds from an older ISA. Both transactions were completed within 2 days. Remarkable efficiency. I will continue to use RCI for savings, espec... See more

Company replied


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

4.5

Excellent

TrustScore 4.5 out of 5

913 reviews

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

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 85% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.5

All reviews

(913)

373 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Great service and fantastic rates

Great service, professional and courteous.
The agent was clear and consise and our my mind at rest.
Easy to do business with.
RCI have some amazing savings rates and the app is all that I need.
Security seems tight - always good to know.
Since my original account was opened, they are now convered by the FSCS scheme.
Overall, very happy with RCI.

June 2, 2026
Unprompted review
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Reply from RCI Bank

Hi, Thank you for your feedback. We’re pleased to hear you found our service professional and easy to deal with, and that our app meets your needs.

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Rated 5 out of 5 stars

Easy account opening

Easy account opening. Quick acknowledgment of deposit. All good so far 😃😃

June 1, 2026
Unprompted review
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Reply from RCI Bank

Hi, Thank you for your feedback. We’re pleased to hear you found the account opening process straightforward and received quick confirmation of your deposit.

Rated 5 out of 5 stars

The customer service team very helpful…

The customer service team very helpful in dealing with my accounts ,and when I set up the loan ,they increased my interest rate over the 2 years

May 26, 2026
Unprompted review
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Reply from RCI Bank

Hi James, Thank you for your feedback. We’re pleased to hear that you found our customer service team helpful when managing your accounts.

Rated 5 out of 5 stars

On completing an ISA transfer request…

On completing an ISA transfer request on-line from another provider no transfer had been effected on the due date. A phone call to an RCI advisor found that a transfer form had not been downloaded and submitted. The advisor was very helpful and guided through another application since the original one was out of date. The application screed requires amendment since the transfer form download instructions are well after the application is submitted and no indication at that stage is given that a download is required The advisor was very patient and knowledgeable and the interest rate offered very competitive.

June 4, 2026
Unprompted review
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Reply from RCI Bank

Hi Michael, Thank you for your detailed feedback.
We’re pleased our advisor was able to assist and guide you through the process, and that you found the support helpful.

Rated 5 out of 5 stars

Good interest rates

Good interest rates, on-line bank functions well, opening accounts simple and maturity instructions completed as expected. We have had several accounts over several years and have had no issues.

June 3, 2026
Unprompted review
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Reply from RCI Bank

Hi Yolande, Thank you for your feedback. We’re pleased you’ve found our rates competitive and our online banking and processes easy to use over the years.

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Rated 5 out of 5 stars

Top bank

Top bank, what could say to them other than keep up your high standards and thank you. This is my third two years plus with them, highly recommended.

May 18, 2026
Unprompted review
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Reply from RCI Bank

Hi Alan,

Thank you for your review. We’re pleased to hear you’ve continued to choose us and that your experience over the past few years has been positive.

Your recommendation is greatly appreciated.

Rated 5 out of 5 stars

Just updated my maturity options on my…

Just updated my maturity options on my maturing 2 year bond. Split the money between 2 accounts. Website works well & found doing what I needed was easy & straightforward.

May 28, 2026
Unprompted review
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Reply from RCI Bank

Hi Solly, Thank you for your feedback. We’re pleased you were able to update your maturity options and found the process easy to use.

Rated 5 out of 5 stars

Easy reinvesting process

Following maturity of a 2 year fixed savings account I decided to reinvest the funds in RCI again as their rates were competitive with other providers. The whole process was easy and on the two occasions I rung to seek clarification from staff on the process, I found them to be patient, helpful and knowledgeable. Additionally no long waits on the line to speak to staff whilst being subjected to tacky musak! I commend RCI for their excellent customer services' provision and their clear online information. My only gripe is that I was logged out about 5 or 6 times before I had completed my business. Whilst I understand that these measures are there for security reasons, it is frustrating and stressful for customers who have already passed security checks to access their account to be then dibarred after a short while. RCI, please consider granting a little more time for your customers to complete their business online. Thank You

May 27, 2026
Unprompted review
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Reply from RCI Bank

Hi Androulla, Thank you for your feedback.
We’re pleased you chose to reinvest with us and found the process straightforward, with helpful support from our team. We appreciate your comments on session timeouts; these are in place to help keep your account secure, though we understand they can be frustrating. Thank you again for sharing your experience.

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Rated 5 out of 5 stars

Bonds

Three bonds with RCI bank at very competitive rates.
Online transactions and user experience easy, would recommend.

May 23, 2026
Unprompted review
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Reply from RCI Bank

Hi, Thank you for your feedback – we’re pleased to hear you’ve found our service easy to use and appreciate your recommendation.

Rated 5 out of 5 stars

Gallic Perfection

I have had two fixed rate bonds with RCI for a number of years and they are a superb provider. I love the website which is well laid out,clear and well designed (it also avoids having the usual hackneyed images of pensioners hiking and laughing). The savings rates are always above market so you can just reinvest at maturity and save yourself the faf of looking for a new provider. As an existing customer you also get offered a slightly higher rate which is nice.

May 22, 2026
Unprompted review
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Reply from RCI Bank

Hi Philip, Thank you for your kind feedback – we’re really pleased to hear you’ve had such a positive experience with us over the years.
It’s great to know that you found our website clear and easy to use, and that managing and reinvesting your savings has been straightforward.

Rated 5 out of 5 stars

Good interest rate and service

Good interest rate, Easy to transfer, on line, to new account.
Excellent service. And am addressed by my surname and title and not just "Hello" or "Hi"

May 20, 2026
Unprompted review
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Reply from RCI Bank

Hi Maria,
Thank you for your feedback.
We’re so pleased to hear you found our rates competitive and the online process easy to use. It’s also great to hear your positive experience with our customer service team.

Rated 1 out of 5 stars

Applied for an E-volve saver account 17…

Applied for an E-volve saver account 17 days ago. Still nothing. Have managed to open 9 other savings accounts during the same period, and all have been opened and working within 24hrs. Doesn’t fill me with any confidence whatsoever.

May 3, 2026
Unprompted review
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Reply from RCI Bank

Hi Sheila, Sorry to hear that you are experiencing a delay opening your account. 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.

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Rated 5 out of 5 stars

Online help

We needed help to review and renew our fixed rate account after struggling to complete it ourselves due to being complete technophobes. David was absolutely brilliant, calmly guiding us through the whole process with a gentle and humorous manner that put us at ease and actually made the whole experience enjoyable. Than you again David.

May 12, 2026
Unprompted review
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Reply from RCI Bank

Hi Derek,
Thank you for your kind feedback. We are delighted to hear that David was able to support you so effectively and make the process clear and enjoyable.
We truly appreciate your trust in us.
Kind regards,
RCI Bank Team

Rated 5 out of 5 stars

Competitive rates

Competitive rates, website easy to navigate and any rate increases updated promptly.

May 16, 2026
Unprompted review
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Reply from RCI Bank

Hi Sean,
Thank you for your feedback. We’re pleased to hear that you find our website easy to use and that you value our clear and timely updates.
We appreciate your support.
Kind regards,
RCI Bank Team

Rated 5 out of 5 stars

We are impressed!

My wife gave instructions to RCI to deal with the funds once they matured. Everything was carried out on time and the interest of the maturing account was meant to take three days to arrive in our current account. Oh No it didn't! Arrived this morning. Very impressed. Money moved to an instant account with RCI whilst we decide what to do. Very pleased with the service and will continue to use.

May 15, 2026
Unprompted review
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Reply from RCI Bank

Hi Kevin,
Thank you for your feedback. We’re pleased to hear everything was handled smoothly and that your funds arrived sooner than expected.
We appreciate your continued trust in us.
Kind regards,
RCI Bank Team

Rated 5 out of 5 stars

Highly Recommended

I was made aware of RCI Bank by Martin Lewis on his TV show a few years ago. I have had savings accounts with this bank ever since then and find them easy to deal with. A real live human being always answers the phone and queries are easily dealt with. I recommend this bank wholeheartedly.

May 15, 2026
Unprompted review
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Reply from RCI Bank

Hi Barbara,
Thank you for your kind feedback. We are delighted to hear that you have found our services easy to use and our team helpful when assisting you.
Your continued trust and recommendation are greatly appreciated.
Kind regards,
RCI Bank Team

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Rated 5 out of 5 stars

competitive rates & excellent customer srvice

competitive rates - website easy to navigate -excellent customer service - excellent communication

May 14, 2026
Unprompted review
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Reply from RCI Bank

Hi, thank you for your review.
We’re pleased to hear you’ve found our interest rates competitive and our website easy to navigate. It’s also great to know our customer service and communication have been helpful.

Rated 1 out of 5 stars

Not happy with the way my maturity…

Not happy with the way my maturity instructions were carried out . I did change my mind about the maturity instructions but although I phone up and had a new ISA in place my money was put into a fixed rate bond I did not want .So I have withdrawn my money completely and gone elsewhere . There should be a better and clearer instructions set up for maturity options.

May 9, 2026
Unprompted review
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Reply from RCI Bank

Hi Jenny, thank you for sharing your feedback. Cash ISAs aren’t currently available as a maturity option, as this helps ensure ISA subscriptions are processed correctly.

Rated 5 out of 5 stars

RCI bank's range of savings accounts is…

RCI bank's range of savings accounts is broad, and that, coupled with great service, website ease of use and competitive interest rates, makes RCI's products worth considering for any potential investor.

April 27, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Nigel, thank you for your review. We’re pleased to hear you’ve found our range of accounts broad and our service, website and our rates competitive. We appreciate you taking the time to share your experience.

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