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RCI Bank: Fixed Term Savings Account reviews

Name: Fixed Term Savings Account
Rating: 4.89 (3962 reviews)

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4.89

Based on 3,962 reviews, last reviewed 29th Apr 2026

120% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

91%

Latest highest rating:

5

All good , easy to use and competitive in the market. All good , easy to use and competitive in the market. Reviewed on: 29th April 2026

Latest lowest rating:

1

I've been banking woth RCI Bank for a number of year... I've been banking woth RCI Bank for a number of years, investing in different accounts they provide. Ive found there banking system safe easy to use. ... Read more Reviewed on: 17th April 2026

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About this product

With RCi, you can lock your money away in a fixed term savings account.

RCi fixed term savings accounts are available for one, two, three, four or five years. You’ll need to open the account with between £1,000 and £1 million. Unlimited top-ups can be made in the first 14 days.

RCi fixed term savings account reviews help you find out what it’s really like to be a customer. If you’ve used RCi before, you can also leave a review and share your experience.

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RCI Bank Fixed Term Savings Account reviews (3962)

Easy to deal with.

Easy to deal with. Clear documentation. Reviewed on: 28th January 2026

RCI is one of the best banks for getting a good interes

RCI is one of the best banks for getting a good interest rate from, with easy to sort and set up an accoun. Also transfering money from one account to another is quick and simple. Reviewed on: 28th January 2026

I am very happy with RCI bank

I am very happy with my RCI account and is caring, personal service. I have never had a problem with communicating with them. Reviewed on: 28th January 2026

Competitive savings accounts with easy to use websit...

Competitive savings accounts with easy to use website and app. Good information given in a timely manner Reviewed on: 28th January 2026

Love the app and service given

Really easy and clear app to use. Quick response to queries and advice efficiently given Reviewed on: 28th January 2026

RCI experience

Rates can be competitive but not always Reviewed on: 28th January 2026

Improvement Needed for Joint and Personal Accounts

I have held several joint accounts with RCI bank for many years. The website is intuitive and easy to use. Both verbal and written communication is excellent and interest rates are competitive when compared with other banks and investment institutions. My only criticism is that you are only permitted to nominate one transaction account. This means that if you hold a joint account, you cannot open a personal account and fund this account using a personal or different transaction account to the one already allocated when you opened the previous account. This contrasts to a lot of other investment organisations which permit a different transaction account to be nominated for each product or investment opened. I became aware of this problem when I tried to open a personal account a few months ago. I was unable to continue with the application as RCI confirmed that I would only be able to fund this account using the transaction account assigned to the other joint accounts which would be impractical and not what I wanted to do. Reviewed on: 28th January 2026

Excellent communication with customer service, easy...

Excellent communication with customer service, easy to navigate online, great product offers in these challenging times Reviewed on: 28th January 2026

Safe and sound for your pound

Service is very good and staff polite Reviewed on: 28th January 2026

Easy set up and good interest rate

Very easy to set up, good interest rate and easy to track via the app. Reviewed on: 28th January 2026

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