RCI Bank Reviews 882

TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Considering 370 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the excellent customer service, praising the staff for being helpful, knowledgeable, and pleasant to interact with. Many appreciate the ease of navigating the website and the straightforward process for setting up accounts and managing finances. The service is consistently described as very good, with people noting prompt communication and efficient handling of transactions. However, some people experienced issues with payment processes, including difficulties with security checks and transferring funds, leading to frustration and account closures. A few reviewers also reported slow progress on their inquiries and receiving automated or conflicting replies from customer service.

What people talk about most

Customer service

Users describe positive interactions with customer service, often praising the availability of human advisors... See more

Staff

Consumers find staff to be positive, highlighting their helpfulness, efficiency, and professionalism. Many... See more

User experience

Reviewers mention positive feedback about user experience, frequently describing the website and app as easy... See more

Service

Customers had positive experiences with service, often describing it as excellent, professional, and... See more

Payment

Customers consistently note ambiguous experiences with payment, with some finding the process straightforward... See more

Reviews shaping this summary

Rated 5 out of 5 stars

RCI website is easy to navigate. Text message always sent when a deposit is made, confirming receipt. You allow emails to be sent, which no other banks I know of, allow. So communiction is easy. Servi... See more

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

Never had any issues with them. Their security checks are good and the website is easy to navigate. When my Bonds have nearly reached maturity they've offered very good rates to stick with them, unlik... See more

Company replied

Rated 5 out of 5 stars

They actually have human beings who answer their phones and help out customers like me who hate the digital world and its complications. I needed help in renewing an investment with RCI and I phone... 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

882 reviews

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

No history of asking for reviews

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

Replied to 86% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

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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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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
RCI Bank logo

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.

Rated 5 out of 5 stars

A good experience

Accounts are easy to set up, the website is clear and straightforward to use and the interest rates are competitive. I have never needed any help so I have not needed to speak to anyone so cannot comment on telephone interaction.

March 5, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Roz, We really appreciate your feedback and we're pleased to hear that you’ve found our account setup process and website easy to use. It's great to know our interest rates are meeting your expectations too.

Thanks again for taking the time to share your feedback.

Rated 1 out of 5 stars

You sent me an e-mail saying you had…

You sent me an e-mail saying you had received my maturity options. Then, shortly before maturity, you e-mailed me to say that as you had not received my maturity options, you would create another account of your choice. Something went badly wrong here.

March 2, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi
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 4 out of 5 stars

I am very satisfied with RCI

I am very satisfied with RCI. I opened a new savings account the other day and you made the whole experience very easy to deal with unlike some of your competitors! When I had some difficulty understanding the process of making my first payment your phone assistants were super helpful and patient until I got it right! Thank you very much

February 26, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Allyson.
Thank you for taking the time to provide your feedback. We're very pleased to hear 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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