RCI Bank Reviews 764

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their exceptional helpfulness, patience, and professional attitude, making interactions pleasant and productive. Many people highlight the excellent customer service, appreciating the personalized approach and the ability to speak with a real person rather than a chatbot. The service provided is often described as efficient and straightforward, with consumers noting the ease of setting up accounts and the clear communication. The website is also frequently mentioned as user-friendly and easy to navigate. However, some customers experienced issues with payments, including difficulties with depositing funds and withdrawing money. A few people also reported frustrating experiences with customer service, citing unhelpful attitudes or conflicting information from different agents, leading to delays and complications with their accounts.

What people talk about most

Staff

Reviewers highlight positive aspects of staff, consistently praising their helpfulness, politeness, and... See more

Customer service

People report positive experiences with customer service. Many customers praise the clear correspondence and... See more

User experience

Users describe positive interactions with the user experience, often highlighting the ease of setting up and... See more

Service

Consumers generally express satisfaction with the service provided. Many reviewers highlight the reliability,... See more

Payment

Customers had ambiguous experiences with payment. Many reviewers report an easy and quick process for setting... See more

Based on these reviews

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

I have been a saver with RCI for several years. I now have several fixed rate accounts,quite small sums,but growing nicely. My Freedom saver keeps my emergency money avaliable at quite a good rate... See more

Company replied

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

Company replied

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

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

4.4

Excellent

TrustScore 4.5 out of 5

764 reviews

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

Replied to 85% of negative reviews

Typically replies within 1 week

How this company uses Trustpilot

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Rated 1 out of 5 stars

One star is one too many

I have to give them one star it is the minimum, one more than they should get. Do not return phone calls on seven occaisions, hide behind and blame Head Office with no reason given. A bank to be avoided.

April 16, 2026
Unprompted review
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Reply from RCI Bank

Hi Martin, Sorry to hear that you are having trouble with 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

Fantastic service

Scott was SO helpful kind and patient I can’t recommend RCI Customer service enough. I’m not very IT competent but he explained and talked me through everything. Also I was put through quickly.

April 16, 2026
Unprompted review
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Reply from RCI Bank

Hi Mr James, Thank you for your feedback. We’re delighted to hear that Scott was kind, patient, and took the time to talk you through everything. It’s great to know you got through quickly and felt well supported — we’ll be sure to pass on your thanks.

Rated 5 out of 5 stars

Outstanding

My wife and I have used RCI bank for a number of years during which time we have enjoyed the benefit of competitive savings rates.
On the occasions we have needed to contact them we have found their staff to be exceptionally courteous, helpful and knowledgeable.
The RCI web site makes on line banking refreshingly simple and straight forward.
A pleasure to deal with and have no hesitation in recommending them to others.

April 15, 2026
Unprompted review
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Reply from RCI Bank

Hi Barry, Thank you for taking the time to leave a review. We’re really pleased to hear that you’ve enjoyed competitive savings rates over the years and that our customer service team has been helpful and knowledgeable when you’ve needed support. It’s also great to know that you find our website straightforward and easy to use.

Rated 5 out of 5 stars

Excellent service

Excellent service, and calls answered quickly by friendly knowledgeable employees . The Freedom Savings account pays worthwhile interest and has easy access. Fixed term savings accounts usually offer some of the highest interest available.

April 13, 2026
Unprompted review
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Reply from RCI Bank

Hi Margaret, Thank you for your review. We’re pleased to hear you’ve received friendly, efficient service and that you’re enjoying the flexibility and competitive rates of our Freedom and fixed term savings accounts. We really appreciate your feedback.

Rated 5 out of 5 stars

perfect investment

April 2, 2026
Unprompted review
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Reply from RCI Bank

Hi Mike, Thank you for taking the time to share your feedback. We’re delighted to hear that your experience with us has been a positive one. Have a lovely day.

Rated 5 out of 5 stars

Outstanding Financial Institution

Competitive. Excellent web-site. Extraordinarily helpful, courteous and professional staff. All-in-all an outstanding financial institution. Highly recommended.

April 2, 2026
Unprompted review
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Reply from RCI Bank

Hi Frank, Thank you for your feedback. We’re delighted you had such a positive experience with our website and team, and we appreciate your recommendation.

Rated 4 out of 5 stars

Opening a savings account and transferring funds into it

The process of opening a savings and an ISA account was very efficient and straightforward. The only problem I had related to transferring the funds from my nominated account to the savings and ISA account in chunks of £2000! My nominated account only allows transfers of £2000 at a time. It would have been useful to have been able to make an electronic transfer for the entire amount from my nominated account to the ICI savings account.

March 12, 2026
Unprompted review
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Reply from RCI Bank

Hi Sepideh, Thank you for your feedback. We’re pleased to hear that opening your savings and ISA accounts was straightforward and efficient.

Rated 5 out of 5 stars

Really simple to use app

Really simple to use app. Good interest rates. Highly recommended.

April 1, 2026
Unprompted review
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Reply from RCI Bank

Hi Kevin, Thank you for your recommendation. We’re pleased to hear you’re enjoying the app and our interest rates.

Rated 5 out of 5 stars

We've banked with RCI for several years…

We've banked with RCI for several years and have always been happy with the service provided.

April 1, 2026
Unprompted review
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Reply from RCI Bank

Hi Archie, Thank you for your continued trust in RCI Bank. We’re delighted to hear that you’ve been happy with our service over the years and really appreciate your loyalty.

Rated 5 out of 5 stars

An easy transfer in of my savings and…

An easy transfer in of my savings and cash Isa . Extremely clear correspondence and the customer service is second to none!

March 31, 2026
Unprompted review
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Reply from RCI Bank

Hi, Thank you for your feedback. We’re really pleased to hear that transferring your savings and Cash ISA was easy and that you are satisfied with our correspondence and customer service.

Rated 5 out of 5 stars

Opened a 12mth fixed rate bond

Opened a 12mth fixed rate bond, very easy , happy with interest rate. Would definitely recommend RCİ bank.

March 20, 2026
Unprompted review
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Reply from RCI Bank

Hi Susan, Thank you for your recommendation. We’re delighted to hear that opening your 12‑month fixed rate bond was easy and that you’re happy with the interest rate. We really appreciate you choosing RCI Bank.

Rated 5 out of 5 stars

Easy to open and decent interest rate

Easy to open and decent interest rate. What more would you want.

March 27, 2026
Unprompted review
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Reply from RCI Bank

Thank you for your feedback. We’re pleased to hear you found the account easy to open and the interest rate competitive. Have a lovely day

Rated 5 out of 5 stars

Very easy to do business with RCI

Very easy to do business with RCI - competitive interest rates and slick service / website make a very good proposition.

March 26, 2026
Unprompted review
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Reply from RCI Bank

Hi Maeve, Thank you for your great feedback. We’re glad to hear you value our competitive interest rates and appreciate the quality of our service and website.

Rated 5 out of 5 stars

Clear communication and excellent customer service

I can’t praise RCI highly enough. I found setting up a savings account very straightforward. Their communication is excellent and the information they send is clear and easy to understand. Customer service is first class and it is very easy to get in touch with RCI. When I recently had a query about my savings I got a response in a very short period of time. I recently downloaded the RCI app and this lets me access my account information even more easily. I just wish RCI offered a current account because I would swap to them immediately (the bank I am currently with is virtually impossible to get in touch with unless you prefer to interact with a bot rather than a human being).

March 31, 2026
Unprompted review
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Reply from RCI Bank

Hi Karen, Thank you for your kind feedback. We’re delighted to hear that setting up your savings account was straightforward and that our communication, customer service, and app have made managing your savings easy. Have a lovely day

Rated 4 out of 5 stars

Simple way to invest with a good…

Simple way to invest with a good return,
Straight forward to have interest paid back

March 30, 2026
Unprompted review
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Reply from RCI Bank

Hi Robin, Thank you for your feedback. We're really pleased to hear you’ve found investing with us simple and straightforward, and that you’re happy with how your interest is paid.

Rated 4 out of 5 stars

Good clear website/app

Good clear website/app, and simple to use. I have had no problems to resolve, so cannot comment on customer service. Very happy with product.

March 16, 2026
Unprompted review
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Reply from RCI Bank

Hi Mr Birch, Thank you so much for taking the time to share your feedback! We’re glad to hear that you find our website/app clear and easy to use.

Rated 5 out of 5 stars

WITHDRAWAL QUERY

I telephoned RCI and the call was answered without delay. I was ringing to seek reassurance that all was well re a planned withdrawal. I spoke to David who was very helpful and he clarified everything for me.
It was a very pleasant conversation

March 9, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Andrew, Thank you for taking the time to share your experience with us. We’re really pleased to hear that your call was answered promptly and that David was able to provide the reassurance you needed regarding your planned withdrawal. Have a great day

Rated 5 out of 5 stars

Good end to end process

Good process from beginning to end. From opening the account to depositing funds everything went smoothly.

February 25, 2026
Unprompted review
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Reply from RCI Bank

Hi Alan, Thank you for your feedback. We're glad to hear that opening your account and making a deposit went smoothly. Have a great day.

Rated 5 out of 5 stars

Great work

I have a Freedom Easy Access account and 2 fixed term accounts. Opening the accounts was simple and then it's just a matter of sitting back and forgetting about them until maturity. Would highly recommend

February 23, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Susan, Thank you for your review! We're pleased to hear that setting up your Freedom Easy Access account and Fixed Term accounts was simple and straightforward. Have a great day.

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