RCI Bank Reviews 

892
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

892 reviews

5-star
4-star
3-star
2-star
1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 85% 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

(892)

351 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

Clear communication and excellent customer service

I can’t praise RCI highly enough. I found setting up a savings account very straightforward. Their communication is excellent and the information they send is clear and easy to understand. Customer service is first class and it is very easy to get in touch with RCI. When I recently had a query about my savings I got a response in a very short period of time. I recently downloaded the RCI app and this lets me access my account information even more easily. I just wish RCI offered a current account because I would swap to them immediately (the bank I am currently with is virtually impossible to get in touch with unless you prefer to interact with a bot rather than a human being).

31 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Karen, Thank you for your kind feedback. We’re delighted to hear that setting up your savings account was straightforward and that our communication, customer service, and app have made managing your savings easy. Have a lovely day

Rated 4 out of 5 stars

Simple way to invest with a good…

Simple way to invest with a good return,
Straight forward to have interest paid back

30 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Robin, Thank you for your feedback. We're really pleased to hear you’ve found investing with us simple and straightforward, and that you’re happy with how your interest is paid.

Rated 4 out of 5 stars

Good clear website/app

Good clear website/app, and simple to use. I have had no problems to resolve, so cannot comment on customer service. Very happy with product.

16 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Mr Birch, Thank you so much for taking the time to share your feedback! We’re glad to hear that you find our website/app clear and easy to use.

Rated 5 out of 5 stars

WITHDRAWAL QUERY

I telephoned RCI and the call was answered without delay. I was ringing to seek reassurance that all was well re a planned withdrawal. I spoke to David who was very helpful and he clarified everything for me.
It was a very pleasant conversation

9 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Andrew, Thank you for taking the time to share your experience with us. We’re really pleased to hear that your call was answered promptly and that David was able to provide the reassurance you needed regarding your planned withdrawal. Have a great day

Rated 5 out of 5 stars

Good end to end process

Good process from beginning to end. From opening the account to depositing funds everything went smoothly.

25 February 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Alan, Thank you for your feedback. We're glad to hear that opening your account and making a deposit went smoothly. Have a great day.

Rated 5 out of 5 stars

Great work

I have a Freedom Easy Access account and 2 fixed term accounts. Opening the accounts was simple and then it's just a matter of sitting back and forgetting about them until maturity. Would highly recommend

23 February 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Susan, Thank you for your review! We're pleased to hear that setting up your Freedom Easy Access account and Fixed Term accounts was simple and straightforward. Have a great day.

Rated 5 out of 5 stars

A good experience

Accounts are easy to set up, the website is clear and straightforward to use and the interest rates are competitive. I have never needed any help so I have not needed to speak to anyone so cannot comment on telephone interaction.

5 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Roz, We really appreciate your feedback and we're pleased to hear that you’ve found our account setup process and website easy to use. It's great to know our interest rates are meeting your expectations too.

Thanks again for taking the time to share your feedback.

Rated 1 out of 5 stars

You sent me an e-mail saying you had…

You sent me an e-mail saying you had received my maturity options. Then, shortly before maturity, you e-mailed me to say that as you had not received my maturity options, you would create another account of your choice. Something went badly wrong here.

2 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi
Sorry to hear that you are having trouble with this. You will shortly receive a direct message through Trustpilot. To better understand your situation, could you please reply to that message with your full name, contact number and account number. Once received, a member of our team will be in touch.

Rated 4 out of 5 stars

I am very satisfied with RCI

I am very satisfied with RCI. I opened a new savings account the other day and you made the whole experience very easy to deal with unlike some of your competitors! When I had some difficulty understanding the process of making my first payment your phone assistants were super helpful and patient until I got it right! Thank you very much

26 February 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Allyson.
Thank you for taking the time to provide your feedback. We're very pleased to hear 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

Good reasons to use RCI

My wife and in have used RCI for several years and always very reliable and efficient. The app is simple to navigate, secure and has multi use facets. RCI are currently very competitive on savings accounts and will always get our support if they continue. Highly recommend

1 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Phillip.
Thank you for taking the time to provide your feedback. We're glad to hear you find our app simple to use and your ongoing experience with us continues to be a happy one. Have a lovely day.

Rated 5 out of 5 stars

Needed to renew a fixed term deposit…

Needed to renew a fixed term deposit but only wanted to use half of the existing FTD. I found the process confusing but was talked through it by a helpful member of the team who was very patient when I made mistakes

13 February 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Richard.
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 am a new customer and found RCI…

I am a new customer and found RCI rigorous but helpful. No complaints.

28 February 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Julian.
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

Excellent service

Excellent service, easy to use, and quick notification of receipt of funds.

24 February 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Kathryn.
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

Straight forward and easy to set up my…

Straight forward and easy to set up my new savings account. And good rates!

1 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi.
Thank you for your feedback. We're glad to hear that you found your savings account simple to set up. Have a lovely day.

Rated 5 out of 5 stars

Good Interest Rates

The interest rates were good and the website was easy to navigate. I had no reason to contact customer services, so I'm unable to comment, although I've heard only good reviews.

1 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi.
Thank you for taking the time to provide your feedback. We're glad to hear that you found our website easy to use. Have a lovely day.

Rated 5 out of 5 stars

I would recommend

I have been saving with RCI for several years, with no issues. The app is simple and easy to use. I think the savings offers are very good.

1 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Jenny.
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 Opened

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. Competitive fixed rate brought me here and so far, so good, extremely happy.

1 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Chris.
Thank you for taking the time to provide your feedback. We're glad to hear that you had a pleasant experience opening your new account. Have a lovely day.

Rated 5 out of 5 stars

First impressions good

RCI Bank was recommended to me by my partner who has always been very satisfied with his account. It's early days for me but so far so good.

1 March 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Shirley.
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

Excellent service staff very helpful

Excellent service staff very helpful

25 February 2026
Unprompted review
RCI Bank logo

Reply from RCI Bank

Hi Anne.
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.

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