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RCI Bank: Fixed Term Savings Account reviews

Name: Fixed Term Savings Account
Rating: 4.84 (2912 reviews)

View other RCI Bank products

4.88

Based on 2,912 reviews, last reviewed 30th Jan 2026

40100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

90%

Latest highest rating:

5

Very friendly and helpful. Very friendly and helpful. Can always help you Reviewed on: 30th January 2026

Latest lowest rating:

1

RCI online experience Have banked with RCI for a number of years. Always had great customer service without any maturity instruction issues. Straightforward process for onl... Read more Reviewed on: 22nd April 2025

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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.

RCI Bank Fixed Term Savings Account reviews (2912)

Review of the RCI Bank, Fixed Term Savings Account:

Maturity Instructions and Interest Payment not clear

Having had a fixed rate 1 year bond with RCI Bank, I found that when this was nearing maturity the actual instructions not particularly helpful. The internet payment whilst stated as would be made on the date of maturity was not met. After 24 hours post maturity the payment had still not been paid as per account information. I contacted RCI Bank and was told that it could take anything up to 5 days. This information is NOT stated on my account under Interest Instructions. It should be considered particularly under the Consumer Duty that a statement be included on the section Interest Instruction what the actual timescales are. Consumer duty has been introduced to ensure customers are aware of key information. Reviewed on: 30th October 2023

Good rates, easy to manage on the app

Good rates, easy to manage on the app Reviewed on: 29th January 2026

Simple, Straight Forward and No Fuss

No problems in opening a fixed term deposit account. Rarely had to telephone them as there was no need. Alerts from RCI when it was about to mature asking for a decision on where the money should be placed. Reviewed on: 29th January 2026

Easy to open the account.

Easy to open the account. Great interest rate. Reviewed on: 29th January 2026

Savings account

Easy to set up Good rates kept up to date Reviewed on: 29th January 2026

Easy to set up online, good interests, regular feedb...

Easy to set up online, good interests, regular feedback Reviewed on: 29th January 2026

First class all round

Long term investor and always happy with your accounts Reviewed on: 29th January 2026

Easy app to use.

Easy app to use. Money moved same day. Good interest rates. Reviewed on: 29th January 2026

Excellent from start to finish.

Excellent from start to finish with top website and interest rates. Reviewed on: 29th January 2026

ok ok ok ok ok ok all ok all ok...

ok ok ok ok ok ok all ok all ok all ok Reviewed on: 29th January 2026

Reliable No Nonsense Bank

Simple process to apply to a wide and competitive range of products. Navigation on website and App... is a good experience to meet ones requirements. Reviewed on: 29th January 2026

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