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S Sadler

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Review of the RCI Bank, Freedom Savings Account:

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A second review..

I first opened my account in Nov '15, and wrote my first review on here almost a year later in Oct '16. Now - having read some of the more recent (and very poor) reviews - I would like to just confirm, for anyone who is interested, that my own experience remains extremely positive. Back in Nov '15, I opened my account online quickly and simply, and without a glitch. Since then, I have NEVER failed to log in successfully at the first attempt. And in addition, I have made both deposit and withdrawal transactions along the way, which (likewise) were processed quickly and simply at the first time of asking. We're now in Jun '18, and I have never had to phone or email the bank about anything. I do wonder at times whether some peoples' issues may actually be of their own making - without them realising this. Reviewed on: 20th June 2018

Review of the RCI Bank, Freedom Savings Account:

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So far so good...

I opened my account in Nov '15, and so far no issues. With regard to previous reviews, my understanding is that the requirement for a registered account is fairly obvious - it's where an online savings bank accepts a deposit from, but more importantly, it's where they return a withdrawal to. This, to my mind, keeps things simple and secure (for both parties). With regard to interest rates, I also opened at 1.65%. And whilst there have been a couple of reductions along the way, these were small and not wholly unexpected, given the prevailing financial climate - and were well communicated in advance by the bank each time. With regard to the larger drop from 1.45% to 1.2% in particular, this was a direct result of the BoE halving the base rate from 0.5% to 0.25%. This impacted similarly upon savings rates across the board, therefore (I feel) it is probably unfair to use this as a stick to beat RCI Bank with within a review..! Reviewed on: 5th October 2016

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