RCI BankReviews 

891
TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Evaluating 367 reviews, reviewers overwhelmingly had a great experience with this company. Customers consistently praise the customer service, highlighting the helpfulness and knowledge of the staff, who are often described as patient and understanding. Many appreciate the ability to speak with real human beings quickly, a rarity in banking, and commend the clear communication and efficient resolution of their queries. The website is frequently noted for being easy to navigate and straightforward, making processes like setting up accounts simple and quick. However, some customers also noted occasional difficulties with the online process, such as password rejections or creating multiple profiles, which led to frustration. A few other people also felt that the process for changing nominated banks or adding family members was overly laborious and required excessive identification compared to other financial institutions. There were also instances where customers experienced slow progress on their requests or received conflicting information from different staff members.

What people talk about most

Customer service

People report positive experiences with customer service, highlighting the helpfulness, efficiency, and clear... See more

Staff

Customers had positive experiences with staff, frequently highlighting the prompt access to human customer... See more

User experience

Customers consistently note positive experiences with user experience, highlighting the ease of use and... See more

Service

Users describe positive interactions with service, highlighting excellent customer satisfaction and efficient... See more

Website

Consumers find the website to be positive, with many reviewers praising its ease of use, clear layout, and... 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

891 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 81% 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

(891)

351 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

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.

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.

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