RCI BankReviews 

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 84% 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

(883)

343 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

Good Company

Good communication. Easy transaction process.
Clearly explained services. Recommended.

10 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Neil, Thank you for your feedback. We’re pleased to hear you found the process easy and our communication clear. We appreciate your recommendation.

Rated 5 out of 5 stars

Slick and efficient

Very efficient process for ISA Transfer , well handled on phone.
Used RCI for 3 years now, much better than other banks in my experience.

8 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Jim, Thank you for your feedback. We’re pleased to hear the ISA transfer process was handled efficiently and that our team could support you over the phone.

Rated 5 out of 5 stars
RCI Bank logo

Reply from RCI Bank

HI Nigel, Thank you for your feedback. We’re pleased to hear that opening an additional account was straightforward and that you found our terms clear and security reassuring. We appreciate you choosing to save with us

Rated 4 out of 5 stars

Easy enough to open but came unstuck…

Easy enough to open but came unstuck when logging in as husband also opened account and as we only have one iPad/telephone it became obvious that only one of us could use the App. Got around it by logging on via website just a bit long winded. Excellent isa rate.

4 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Ronald, Thank you for your feedback. We’re glad you found the account easy to open and are happy with the rate. We appreciate your comments on using the app across devices and will take this on board, and we’re pleased you were able to access your account via the website.

Rated 5 out of 5 stars

RCI bank would definitely recommend

I have been very impressed with RCI bank and the savings plan I have opened was exactly what I wanted and was easy to open. It is also feels very secure and getting a message to confirm deposits adds an extra layer of confidence. It is also great to ring up and get to speak to a human being straightaway and not left in a queue .
Would certainly recommend the bank for user experience and customer service

10 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Sally, Thank you for your feedback. We’re delighted to hear you’re happy with your savings account and found it easy to open. It’s great to know our updates and customer service have given you confidence. We really appreciate your recommendation.

Rated 4 out of 5 stars

...after a slow start ...!

I'm still no clearer about why I have two 'account reference numbers' but have at least managed to deposit some money. The feedback to emailed queries is quite slow but once I'd got the information I needed it was seemless - and I do think the level of security for logging in is good

10 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi, thank you for taking the time to share your feedback. We’re pleased to hear you were able to deposit funds successfully and that you value the level of security when logging in.
We’re sorry for any confusion caused by the two account reference numbers – this is something we are currently working on to resolve, and glad the process felt seamless once you had the information you needed.

Rated 5 out of 5 stars

Excellent service

Setting up the account was easy but I had difficulty in completing some transfers and was ably assisted by a very patient and helpful lady on the phone

10 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Mr Waller, Thank you for your feedback. We’re glad you found the account easy to set up, and we’re pleased our team could support you in completing your transfers

Rated 5 out of 5 stars

Excellent service and satisfaction all round.

I have Been saving with RCI Bank for over 10 yrs now. I have never had any problems and the transactions and account openings have always been easy and straightforward. Today, I have just opened a new 2 yr fixed ISA account and contacted RCI with a minor issue that I had with my holding bank. Emma very patiently guided me through the transaction from start to finish and stayed on the phone with me until it was completed. Excellent service and customer satisfaction.

10 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi William, Thank you for your feedback. We’re delighted to hear you’ve been saving with us for so many years and continue to have a positive experience. It’s great to know our team was able to support you and guide you through the process. We really appreciate you choosing to save with us

Rated 5 out of 5 stars

Never had any issues with them

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, unlike others that have assumed I'd stick with them even with very reduced interest rates.

30 May 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Stephen, Thank you for your feedback. We’re pleased to hear you’ve had a consistent experience. It’s also great to know the options provided as your bonds approach maturity have been helpful.

Rated 5 out of 5 stars

Excellent help & customer service!

I received excellent help today from Scott, who patiently took me step by step through a process to sort out my ISA application, which I had inadvertantly muddled! Scott explained simply & clearly, so that I was able to understand exactly what I had misunderstood on the website application form. I am extremely grateful for his help.

11 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi, Thank you for your feedback. We’re pleased to hear Scott was able to support you and guide you clearly through your ISA application. We’ll be sure to share your kind comments with him.

Rated 5 out of 5 stars

Always good customer service

Always good customer service, good saving rates and easy to access saving withdrawls and deposits

9 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Renfrey, Thank you for your feedback. We’re pleased to hear you’ve had a positive experience with our customer service, and that you’ve found managing your savings straightforward.

Rated 5 out of 5 stars

I found the process very user friendly…

I found the process very user friendly and efficient.
Also, I was impressed by the emphasis on security when accessing the account.

5 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Desmond, Thank you for your feedback. Thank you for your feedback. We’re pleased to hear that you found the process user-friendly and efficient, and that our approach to account security met your expectations.

Rated 4 out of 5 stars

Sign up has been very easy and the…

Sign up has been very easy and the interest rate is very good. Reason I have given 4 not 5, I think sending a verification code in the post is a bit antiquated. I haven't received mine yet, hope it comes before the expiry date for adding more funds.

5 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi, Thank you for your feedback. We’re pleased to hear you found the sign-up process straightforward. Authentication codes are sent by post for security purposes. If you require any support please don’t hesitate to contact our team.

Rated 5 out of 5 stars

A really good bank

RCI Bank UK is a really good bank, good saving options and renewal options and when you need customer support you get to speak to human customer advisor fairly quickly and without the need to use any AI bot. They are helpful and are open 7 days a week too, which is a rarity for banking customer services.

1 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Darius, Thank you for your feedback. We’re pleased to hear you value our savings options and that our team has been helpful and easy to reach when needed.

Rated 5 out of 5 stars

Bond Renewal

Iv been with RCI for many years now and they are an excellent Bank to deal with. Easy and uncomplicated access to acconts and Bonds with a Customer Services Dept which is second to none - prompt access to a Customer Services Advisor who are all friendly, very clear and unambiguous in their assistance. Not forgetting of course RCI interest rates which are always very competative.

7 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Lionel, Thank you for your feedback. We’re pleased to hear you’ve found our service easy to use over the years and that our team has been clear and helpful when you’ve needed support.

Rated 5 out of 5 stars

Consistently reliable both online and…

Consistently reliable both online and on the phone. I have used both recently, customer services are always patient and helpful

4 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Nicola, Thank you for your feedback. We’re pleased to hear you’ve found our service reliable and that our team has been helpful both online and over the phone.

Rated 4 out of 5 stars

Had a problem whilst completing forms…

Had a problem whilst completing forms but was easily able to sort this by speaking to very helpful staff . Phone line is even available on a Sunday!

30 May 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Niffa, Thank you for your feedback. We’re pleased to hear our team were able to help.

Rated 5 out of 5 stars

Excellent

I have used them for a number of of years and now that they have introduced ISA invested in one for the first time.it was the easiest and quickest ISA application I have ever done and simply to transfer money, I have a number of of ISA with other companies and many of them are slow and complicated to open, so well done RCI , excellent app, and web site and good customer service when you need them.

2 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi John, Thank you for your feedback. We’re pleased to hear you’ve found our ISA straightforward to open and transfer into, and that our app, website and customer service have met your needs over time.

Rated 5 out of 5 stars

contact and get information

Able to contact customer service and get information quickly.

5 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi, Thank you for your feedback. We’re pleased to hear you were able to contact our team and get the information you needed quickly.

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