Picked this bank for availability of good savings rates. Easy to use website and when my fixed term ended I was presented with a list of easy to select options to close or renew all or part of my sav... See more
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
I have recently opened a 2 year fixed rate cash isa with RCI bank. The process was straightforward and everything was clearly explained in various documents received via email. When setting up my... See more
Company replied
I chose RCI bank for it’s good savings rates and that you can either use the website or the mobile banking app. The process to open an account was straightforward and easy to do and I liked that you c... See more
Company replied
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
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Company details
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
Watford, United Kingdom
- 0345 6056 050
- hello@rcibank.co.uk
- rcibank.co.uk
4.6
Excellent
1k reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 83% of negative reviews
Typically replies within 48 hours
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Very easy to open and manage accounts
Very easy to open and manage accounts. Competitive rates. App easy to use.
10 July 2026
Unprompted review
Reply from RCI Bank
Thank you, Dave, for your feedback. We're pleased to hear that you found it easy to open and manage your accounts, and that you're enjoying our competitive rates and easy-to-use app. We appreciate your support and look forward to continuing to serve your savings needs.
Excellent service
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, especially now that they have entered the ISA market.
8 July 2026
Unprompted review
Reply from RCI Bank
Thank you, Bob, for your kind feedback. We're delighted to hear that opening your ISA and transferring your funds was a smooth and efficient experience. We appreciate your continued trust in RCI and look forward to supporting your savings journey.
A little confused but no need
After finding my way round the website I was not sure if I had completed my application correctly so I rang the help desk and got all the help I needed
The staff were very helpful and polite . I am not very savie with technology and the operative was extremely patient with me. I got what I requested with a smile
6 July 2026
Unprompted review
Reply from RCI Bank
Thank you, Barry, for taking the time to share your experience. We're glad to hear that, although the application process initially felt a little confusing, our help desk team was able to provide the support you needed. It's especially rewarding to know that our colleague was patient, helpful, and polite throughout the process, helping you complete your request with confidence. We appreciate your feedback and are always looking for ways to make our website even easier to navigate. Thank you for choosing us.
We have used RCI for years and used a…
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 money is withdrawn or invested. The App is very easy to navigate. I would fully recommend to anyone.
6 July 2026
Unprompted review
Reply from RCI Bank
Thank you, Margaret, for your wonderful review and for your continued trust over the years. We're delighted to hear that you've had such a positive experience using our range of investment products and that you've found our rates competitive. It's great to know that our quick transaction processing, timely notifications, and easy-to-use app have met your expectations. We truly appreciate your recommendation and look forward to supporting your investment journey for many years to come.
Excellent rates and easy to open and…
Excellent rates and easy to open and deal with maturity options
7 July 2026
Unprompted review
Reply from RCI Bank
Hi John,
Thank you for your feedback. We're pleased to hear that you found the rates competitive and that the account opening process was straightforward. It's also great to know that the maturity options were clear and easy to manage.
We appreciate you taking the time to share your experience.
Quick and easy to use web-site
I opened an account to replace one that had expired. Used the web-site and sailed straight through. No problems and it was quick and easy to navigate. Thank you
23 June 2026
Unprompted review
Reply from RCI Bank
Thank you, Joan, for your lovely feedback. We're delighted to hear that opening your replacement account was quick and straightforward, and that you found our website easy to navigate. It's great to know the process went smoothly from start to finish. Thank you for choosing RCI, and we look forward to continuing to support your savings needs.
Good ISA rate for a 2 yr investment
Good ISA interest rate for a 2 yr investment. Easy to setup but secure. Happy customer.
2 July 2026
Unprompted review
Reply from RCI Bank
Thank you, John, for your feedback. We're delighted to hear that you're happy with the competitive ISA interest rate and found the account setup process both easy and secure. It's great to know we've helped make your savings experience a positive one. We appreciate your support and look forward to serving you in the future.
Always there.
Good interest rates and wonderful to have a bank where I can phone on a weekend afternoon and be greeted by a friendly helpful agent, well done RCI.
4 July 2026
Unprompted review
Reply from RCI Bank
Thank you, Linda, for your wonderful feedback. We're delighted to hear that you're happy with our competitive interest rates and, most importantly, the service you've received from our team. Providing friendly and helpful support whenever our customers need us is something we take great pride in.
All good.
Recently opened another fixed term account with RCI following previous positive experience. Competitive rate and very easy opening process. Very good communication. Transfer of funds very efficient and particularly appreciate receiving message confirming receipt of each deposit. All good.
3 July 2026
Unprompted review
Reply from RCI Bank
Hi Averil, thank you for your continued trust in RCI and for choosing us again for your fixed term savings. We're delighted to hear that you've had another positive experience, from the competitive rate and straightforward account opening process to our communication and efficient fund transfers. It's especially pleasing to know that the deposit confirmation messages have been helpful. We truly appreciate your feedback and look forward to supporting your savings journey in the future.
The password I selected was rejected…
The password I selected was rejected with 'you have not complied with the rules ' . I had to phone up to ask what was going on. I was told I can't use the characters'rci' in my password. No where does it say this is prohibited. Poor communication.
26 June 2026
Unprompted review
Reply from RCI Bank
Thank you for your feedback, Mr. Lenten. We're sorry to hear about your experience and understand how frustrating it must have been to encounter a password restriction that wasn't clearly communicated. We appreciate you bringing this to our attention. We have sent you a private message so that we can look into this further and assist you directly.
New customer
It was easy to open the account and the deposits I made were acknowledged quickly. So far, very good!
26 June 2026
Unprompted review
Reply from RCI Bank
Hi Ms Carter, thank you for your review! We're pleased to hear that opening your account was easy and that your deposits were acknowledged promptly. It's great to know you're having such a positive experience so far. We appreciate your feedback and look forward to continuing to support you.
Easy process to transfer ISA
Easy process to transfer ISA. Good communication and rates. Recommended.
3 July 2026
Unprompted review
Reply from RCI Bank
Hi Dean, thank you for taking the time to leave us a review. We're delighted to hear that you found the ISA transfer process easy and straightforward. It's great to know that our communication and competitive rates met your expectations.
Simple to use web site
Simple to use web site, with confirmation email of actions taken
2 July 2026
Unprompted review
Reply from RCI Bank
Hi R.Goodwin, thank you for your feedback. We're pleased to hear that you found our website simple and easy to use. We aim to make every step of the process straightforward.
Very clear instructions for what I…
Very clear instructions for what I wished to do. Notifications in good time and very clear.
29 June 2026
Unprompted review
Reply from RCI Bank
Hi Margaret! Thank you for your feedback! We’re pleased to hear the instructions and notifications are clear and timely—making things simple for you is our priority.
First impressions
The RCI bank representative I spoke to was extremely professional and helpful. It was easy to speak to a person instead of automated voice.
24 June 2026
Unprompted review
Reply from RCI Bank
Hi Judith, thank you for your lovely feedback! We’re glad you’re finding the website easy to use and our communication clear. It’s great to know you feel well supported—we really appreciate it!
RCI website is easy to navigate
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. Service is very good, it seems you like to care for your customers.
26 June 2026
Unprompted review
Reply from RCI Bank
Hi Andrea, thank you so much for your kind feedback!
We’re delighted to hear that you find the RCI website easy to navigate and that our communication methods are making your experience smoother and more convenient.
It’s especially encouraging to hear that our service stands out and that you feel cared for as a customer. That’s exactly the experience we strive to deliver every day.
We truly appreciate you taking the time to share your thoughts, and we look forward to continuing to support you.
Very good service just to secure…
Very good service just to secure password to remember to login But operator was very helpful helping me
23 June 2026
Unprompted review
Reply from RCI Bank
Hi Chris, thank you for your feedback. We're pleased to hear you found our service helpful and that our operator was able to support you with accessing your account. We understand that login details can sometimes be difficult to manage, and we’re glad our team could assist you quickly. If you need any further help, please don’t hesitate to get in touch.
Like a few others I too am very, very annoyed…
Like a few others I too am very annoyed with RCI.
I have held 3 previous accounts with them 2016-18, 2023-23, 07/23-04/24
I opened a new account 01/06/26. Set up bank payment reference but my bank said it was not verified. I took a chance and sent £1,000, straight away I got message back from RCI received £1000 so I sent another £49,000 received message back received. Day after another £50,000.
Next day, I receive a letter from RCI saying I have a balance 'above-average level and we are keen to understand the source of this money before we approve the transactions ' - What a bloody cheek ?
I complied and sent details of source of first £50k- not good enough, send source of the other £50k I did- not good enough because it did not show where it was 12 months ago - send copies of bank statements etc.
Enough is enough, phoned them conveyed my displeasure and told them to ring to sort out, send final letter to confirm so that I may proceed to ombudsman. This, I was told will take 5-15 days
I want them to keep my money for 12 months at the agreed rate of interest, compensate me for my time in twice gathering and sending information plus compensation for the implied accusation of being a 'money launderer' failure to do so will result in an ombudsman investigation (I think that costs them £750)
I did think that RCI was a sensible bank but having given you the full and accurate story, make your own judgement and be ready for same treatment.
23 June 2026
Unprompted review
Reply from RCI Bank
Hi Major, As part of our commitment to regulatory compliance and responsible banking, we are required to conduct Know Your Customer (KYC) checks. This includes verifying the source of income and funds .These checks are essential to help create a safer and more transparent financial environment for everyone. We've sent you a direct message on Trustpilot, if you could please respond with your contact details. Once received a member from our team will be in touch.
Exasperated, Very Unhappy
I applied for a new a/c 18 MAY 2026 - STILL NOT OPENED.
Application Ref# 962072842
I have provided all information required for security checks, bank statements etc including explanations to any queries.
I have received the SAME automated replies multiple times saying 'we need XYZ'; I've replied multiple times explaining I have done it, re-sending as needed etc..
I've received a couple of 'human replies' promising progress....but NOTHING gets progressed.
Supposedly a letter was posted to me a week ago...still nothing received.
Asked for it to be escalated to a Manager - NOT possible.
Now saying 'we're v. busy'...well of course, I'm now at the BOTTOM of a month's worth of application requests!
Currently I cannot recommend....although I do still live in hope of a 'real human response and FAST resolution' please... OR be honest RCI & tell me you do NOT want me/my money.
22 June 2026
Unprompted review
Reply from RCI Bank
Hi Ms R-Smith, We've sent you a direct message on Trustpilot, if you could please respond with your contact details. Once received a member from our team will be in touch.
Very impressed by RCI Bank.…
I decided to place some money in a two year fixed rate bond and searched for the best interest rate. RCI Bank was offering the best rate at the time so I checked that the Financial Compensation Scheme applied, which of course it did. So I opened a fixed rate bond with RCI. Online or telephone help was readily available and I was very impressed - touchingly so, actually - by the whole procedure where - very rightly - the emphasis was on absolute security. I would heartily recommend RCI Bank to anyone.
20 June 2026
Unprompted review
Reply from RCI Bank
Hi Roy, thank you for taking the time to share your feedback.
It’s great to know you found the application process and support helpful, and that our focus on security stood out to you.
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