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 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

Write a review
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

I found it so easy to open an ISA…

I found it so easy to open an ISA account and transfer money into it.

4 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Ian, Thank you for your feedback. We’re glad to hear you found opening and funding your ISA straightforward.

Rated 5 out of 5 stars

Excellent service

Excellent service, good interest rates for savings, easy bank to navigate online and if you run into any difficulty the phoneline is run by very helpful staff- thank you.

3 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Penny, Thank you for your feedback. We’re pleased to hear you found our service easy to use and that our team were helpful when needed.

Rated 4 out of 5 stars

Generally good and efficient

I'm a long term investor and experience is generally good until recently. I tried opening a new account on my app ( I hadn't seen the website only warning as it wasn't displayed on the app) I got locked out as a result. My phone call to reset my log in was handled promptly and efficiently. I do find the website annoying to operate as I am always timed out the first attempt whilst inserting memorable data and have to repeat ( drop down menus aren't good for speedy entry) The app is speedy as biological input works promptly.

4 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi, We’re pleased our team were able to resolve your access issue quickly, and we appreciate your sharing your experience.

Rated 5 out of 5 stars

Been with RCI for some time

Been with RCI for some time, slick and efficient, what else do you want.

4 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Mr Bell, Thank you for your feedback. We're pleased to hear that your experience with us is a happy one.

Rated 5 out of 5 stars

Excellent website and product selection…

Excellent website and product selection, with staff easily contacted to help with any questions.
Great App, easy to download and navigate.

No issues just 5* service .

1 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi John, Thank you for your feedback. We’re pleased to hear you found our website and app easy to use, and that our team were on hand to help when needed.

Rated 5 out of 5 stars

Excellent service

I decided to transfer an ISA from another bank as it had matured and the new rate they were offering me was very poor. RCi was offering a really good rate for a two year ISA so I applied. My application was accepted within a day and my ISA was also transferred within a day. The communications I received were excellent. I am very happy with the way my application and transfer was completed.

4 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Hiccup, Thank you for your feedback. We’re pleased to hear your ISA application and transfer were completed smoothly.

Rated 4 out of 5 stars

Switching Funds issues

I was trying to open a 2-year fixed term cash ISA partially using funds already with RCI. The application though requested that deposits should be made from my linked account, rather than by internal transfer. This resulted in complications in transferring funds from and back to my linked account. A call to Customer Service resolved that problem allowing funds to be switched internally and satisfactorily.

4 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Andrew, Thank you for your feedback. We’re pleased to hear our team were able to resolve this and support you with transferring your funds.

Rated 5 out of 5 stars

I had a problem with a previous ISA…

I had a problem with a previous ISA provider. RCI were very understanding & everyone i spoke to - yes real people - were very helpful. They kept me informed by emial every step of the way.

2 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Martyn, Thank you for your feedback. We’re pleased to hear our team were able to support you and keep you informed throughout your ISA transfer. It’s great to know you found speaking to our team helpful.

Rated 5 out of 5 stars

Found it very easy to use

Found it very easy to use. Not like other ISA programs I have tried .I am 77 years old and find it hard to use other programs. Thanks .

2 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi William, Thank you for your feedback. We’re pleased to hear you found our services easy to use and accessible, and that opening your ISA was straightforward.

Rated 5 out of 5 stars

Banking made easy RCI are great.

Already had a savings account with RCI and have just opened a 2 year ISA, everything about the whole process was smooth and easy, the app is very easy to use and the auto copy/paste feature for using the account details in another in another app is a great touch which makes life easier too, very happy to recommend RCI to anyone.

3 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Tony, Thank you for your feedback. We’re pleased to hear that opening your Cash ISA was straightforward and that you found the process smooth. It’s great to know the app is easy to use and that features like copying account details are helpful.

Rated 5 out of 5 stars

Great service and fantastic rates

Great service, professional and courteous.
The agent was clear and consise and our my mind at rest.
Easy to do business with.
RCI have some amazing savings rates and the app is all that I need.
Security seems tight - always good to know.
Since my original account was opened, they are now convered by the FSCS scheme.
Overall, very happy with RCI.

2 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi, Thank you for your feedback. We’re pleased to hear you found our service professional and easy to deal with, and that our app meets your needs.

Rated 5 out of 5 stars

Easy account opening

Easy account opening. Quick acknowledgment of deposit. All good so far 😃😃

1 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 account opening process straightforward and received quick confirmation of your deposit.

Rated 5 out of 5 stars

The customer service team very helpful…

The customer service team very helpful in dealing with my accounts ,and when I set up the loan ,they increased my interest rate over the 2 years

26 May 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi James, Thank you for your feedback. We’re pleased to hear that you found our customer service team helpful when managing your accounts.

Rated 5 out of 5 stars

On completing an ISA transfer request…

On completing an ISA transfer request on-line from another provider no transfer had been effected on the due date. A phone call to an RCI advisor found that a transfer form had not been downloaded and submitted. The advisor was very helpful and guided through another application since the original one was out of date. The application screed requires amendment since the transfer form download instructions are well after the application is submitted and no indication at that stage is given that a download is required The advisor was very patient and knowledgeable and the interest rate offered very competitive.

4 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Michael, Thank you for your detailed feedback.
We’re pleased our advisor was able to assist and guide you through the process, and that you found the support helpful.

Rated 5 out of 5 stars

Good interest rates

Good interest rates, on-line bank functions well, opening accounts simple and maturity instructions completed as expected. We have had several accounts over several years and have had no issues.

3 June 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Yolande, Thank you for your feedback. We’re pleased you’ve found our rates competitive and our online banking and processes easy to use over the years.

Rated 5 out of 5 stars

Top bank

Top bank, what could say to them other than keep up your high standards and thank you. This is my third two years plus with them, highly recommended.

18 May 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Alan,

Thank you for your review. We’re pleased to hear you’ve continued to choose us and that your experience over the past few years has been positive.

Your recommendation is greatly appreciated.

Rated 5 out of 5 stars

Just updated my maturity options on my…

Just updated my maturity options on my maturing 2 year bond. Split the money between 2 accounts. Website works well & found doing what I needed was easy & straightforward.

28 May 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Solly, Thank you for your feedback. We’re pleased you were able to update your maturity options and found the process easy to use.

Rated 5 out of 5 stars

Easy reinvesting process

Following maturity of a 2 year fixed savings account I decided to reinvest the funds in RCI again as their rates were competitive with other providers. The whole process was easy and on the two occasions I rung to seek clarification from staff on the process, I found them to be patient, helpful and knowledgeable. Additionally no long waits on the line to speak to staff whilst being subjected to tacky musak! I commend RCI for their excellent customer services' provision and their clear online information. My only gripe is that I was logged out about 5 or 6 times before I had completed my business. Whilst I understand that these measures are there for security reasons, it is frustrating and stressful for customers who have already passed security checks to access their account to be then dibarred after a short while. RCI, please consider granting a little more time for your customers to complete their business online. Thank You

27 May 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Androulla, Thank you for your feedback.
We’re pleased you chose to reinvest with us and found the process straightforward, with helpful support from our team. We appreciate your comments on session timeouts; these are in place to help keep your account secure, though we understand they can be frustrating. Thank you again for sharing your experience.

Rated 5 out of 5 stars

Bonds

Three bonds with RCI bank at very competitive rates.
Online transactions and user experience easy, would recommend.

23 May 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi, Thank you for your feedback – we’re pleased to hear you’ve found our service easy to use and appreciate your recommendation.

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