RCI Bank Reviews 883

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

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

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

883 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

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

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Rated 5 out of 5 stars

Always very good interest rates

Always very good interest rates. Good Bank to be with, no problems at all but if you fix for a time, it’s fixed, if you want access any time pick another account. I can recommend RCI Bank, I’ve been with RCI for a few years now 👍.

February 1, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi.
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. Have a lovely day.

Rated 5 out of 5 stars

New Account

Had trouble logging in to my new account. A very quick phone call to a helpful call centre sorted it.

January 21, 2026
Unprompted review
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Reply from RCI Bank

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

Rated 5 out of 5 stars

Good communication

Good communication

January 29, 2026
Unprompted review
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Reply from RCI Bank

Hi Yvonne.
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 the on line associate at RCI made…

David the on line associate at RCI made re-accessing my account so straightforward . He was polite, patient and spoke with clarity . I was back online within 15 minutes . Thank you David

January 29, 2026
Unprompted review
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Reply from RCI Bank

Hi Paul.
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

Easy to understand

Easy to understand. Good rates and quick efficient service

January 28, 2026
Unprompted review
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Reply from RCI Bank

Hi Helen.
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

Scott helped me through all the actions…

Scott helped me through all the actions I had to take. I am elderly and not brilliant at this sort of thing. He was very patient, kind and sympathetic. It was all sorted. Many thanks to him. Very grateful.

January 26, 2026
Unprompted review
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Reply from RCI Bank

Hi Hilary.
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

Scott was extremely helpful in…

Scott was extremely helpful in unravelling the tortology of RCI Bank login. In fact I couldn't have done it without him!

January 26, 2026
Unprompted review
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Reply from RCI Bank

Hi Dilnot,
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

AVOID AVOID AVOID

AVOID AVOID AVOID

RCI Bank only look out for themselves and not their customers.

I have some money with RCI Bank in a 3 year fixed account. I have been thinking of getting a new car for some time as I have had my last car for the past 22 years and it’s 25 years old. It was park on my driveway and a car hit it causing a lot of damage. The recovery garage have had it for 10 weeks and are now saying it will probably be a right off and the payout will be £800. I have decided the best way forward will be a new car as I can’t go on any longer with my old one as it’s had its time. I have been considering buying a newer car for sometime and something similar to my old car for a long while and decided on a Volvo C90. I contacted RCI bank and and explained the situation and said I’m willing to pay a penalty for the release of some of my funds. They got back to me and said no. I wasn’t happy so went back to them and asked them a second time saying I wasn’t happy with their decision and I would like some of my money, they got back to me a week later and said no again. I still couldn’t understand why they had refused again and after several days decided to contact them and to plead with them, he listened but still said no saying the new car I wanted to buy is a bit of a luxury and I should get an old run around with the £800 right off insurance money. I said I wasn’t happy and want to speak with your manager, he said it was him that said no and he will only say no again, I asked again to speak with the manager, he put me on hold, got back to me saying we want your last 3 months bank statements from your main bank so they can see all of my in payments and out payments (which are personal to me) they also want documents from the insurance company from the ladies insurance who hit my car and they also want documentation from the company that I will be buying the new car from, and after I have done all of that he said it still might be a no.
RCI Bank are on a power trip with your money and they love it and only look out for themselves and not their customers
Please don’t invest your money with RCI Bank

January 23, 2026
Unprompted review
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Reply from RCI Bank

Hi Terry.
Early withdrawals from our fixed term products aren't permitted under our standard terms and conditions. However, we understand that personal circumstances can change. In these situations, customers can submit an early-closure request, along with supporting documentation per section 2.5 of our terms and conditions. Our advisers will let you know what documents are requires specifically in your situation.

To assess these requests fairly and consistently, we require supporting documentation to help us understand the circumstances fully. This ensures that decisions are made transparently and in line with our regulatory obligations.

Rated 5 out of 5 stars

The wonderful David

The wonderfulDvid was so patient with as i kept being logged out, he helped me to achieve what i needed in a positive and supportive way, thank you David

January 22, 2026
Unprompted review
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Reply from RCI Bank

Hi Jakki.
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 3 out of 5 stars

In deciding to remain with RCI and move…

In deciding to remain with RCI and move my maturing bond into another fixed rate bond I couldn’t see any way of confirming I still want monthly interest. I hope the previous bond’s terms continue.

January 20, 2026
Unprompted review
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Reply from RCI Bank

Hi Ritaolwal.
Thank you for leaving a review. The interest option will remain the same as per your previous account. If you would like to change this, you can do this through Online Banking. Have a lovely day.

Rated 5 out of 5 stars

Excellent service

Excellent service, I felt very safe with my money in there care.
I will definitely use the account again.

January 16, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Sandra,
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

Logging in

I had some problems loggin in - entirely my fault it turns out - and I spoke to a very interested and caring member of staff. David talked me through everything I needed to do with patience and humour. He made what had been a difficult day much brighter. Thanks David!

January 9, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Isobel.
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

Very helpful…

Had a query regarding reinvesting a maturing account. Telephoned and the agent (Ian) anticipated my query and resolved it instantaneously. Had a nice chat with him, easy to talk to , and it made a very pleasant change from some of the helplines I have encountered

January 8, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Fred.
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 4 out of 5 stars

I've been with RCI for years & they are…

I've been with RCI for years & they are very consistent in their presentation of information, admin systems, helpfulness of staff. Excellent levels of efficiency too.

December 31, 2025
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Olaf.
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. Have a lovely day.

Rated 5 out of 5 stars

Had some questions on a new account…

Had some questions on a new account with RCI
The phone was answered quickly and spoke to David who explained what I needed to do in easy terms for me, and now feel confident to carry out the process to complete the tasks I wish

January 6, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Adams.
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

Account opening very easy

Able to open a fixed 2year account very easily with very competitive rates. I have used RCI now for few years and never had any issues. I would recommend anyone who wants to save at better rates than most uk Banks.

December 20, 2025
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Kanti.
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. Have a lovely day.

Rated 5 out of 5 stars

Great customer service..rates...and…

Great customer service..rates...and easy/quick process

January 2, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Kerry.
We really appreciate your feedback and are glad you had a pleasant experience with us. We will pass this on to our customer services team. Have a lovely day.

Rated 5 out of 5 stars

Would recommend RCI Based on our experience

We’ve had an account with RCI for a number of years, always found them very helpful with any queries and competitive savings rates.

December 19, 2025
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi.
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. Have a lovely day.

Rated 5 out of 5 stars

Easy to manage accounts online

Easy to manage accounts online....have several accounts as there is normally a good choice offering range of options with very competitive interest rates

January 1, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Debbie.
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. Have a lovely day.

Rated 5 out of 5 stars

No gimmicks

No gimmicks. Just a very helpful bank. No long waits to speak to anyone and a very easy to follow App and Website Great saving rates. Highly Recommended

January 1, 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi.
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. Have a lovely day.

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