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RCI Bank: Fixed term savings account reviews

Name: Fixed term savings account
Rating: 4.85 (3962 reviews)

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4.85

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

49% decrease 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 online access.

Secure, higher than average rates. Reviewed on: 8th September 2023

Really good rates at RCI Bank

RCI is a good bank that always puts the customer first and has leading saving rates. Reviewed on: 24th August 2023

secure message online

submitted a online secure message no one as got back to me after 8+ days Reviewed on: 8th August 2023

Great products

Best in class fixed rate savings accounts as well as 14 day notice accounts Reviewed on: 16th March 2023

Not disappointed

Set up a 2 Year Fixed Savings account this week. Completely straight forward as always. Thank you. Reviewed on: 17th February 2023

Telephone waiting time

I desperately need to query an error on my account - I’ve now waited 50 mns for someone to answer the phone What is going on ? Not the first time I’ve experienced this Please sort this basic problem out, as it is most frustrating One very unhappy customer Reviewed on: 7th February 2023

total waste of time

My husband and I tried to open a 2 year fixed rate bond at 4.85% on 15th November. As of today it is 5th February and we are still having trouble. We were initially told to provide proof of ID which we did immediately, we were then sent contradictory information to say they had received the proof of ID (which they returned) and told us they were still waiting for ID. We really struggled to contact them as emails were slow or ignored and would get cut off after 45 mins plus waiting to contact them on the phone. When we did eventually speak to a human we were told that there was a huge backlog, to be patient, and when the account was eventually open be given time to fund the account. We had almost given up when on 31st Jan we received a letter to say the account was open, and a day later asked to go online to authenticate the account (which we needed to do to add funds). Imagine my surprise when I logged on that day and the account was marked as closed! So I could not authenticate to add funds and need to add funds to keep it open (although it was already closed). I have tried ringing and emailing them and not been able to get through again. We have decided that whilst the rate is competitive it is pointless trying to continue with the bank as if they are this bad when they want your business what would they be like afterwards? Would we ever see our money, if we could ever add it? We are no looking elsewhere at lower rates but more trustworthy banks. Reviewed on: 5th February 2023

Scammers

I was scammed by RCI, I was left devastated and with nothing, Do not believe any of this investments sites with no credibility's , Before going ahead with any investment company check ratings on trust pilot , I learnt the hard way , I was able to recuperate all my loss through a professional company galwayreliance com , I did not believe it was possible but they did it Reviewed on: 27th January 2023

miss leading information, FRAUD!

i found these bums via clear score, i was looking for an ISA which I thought I had found but in calling them to enquire about losing the 2.57% if i decide to close account to be then told its not an ISA ive signed upto, its a bond! none of the corresponding emails mentioned anything to do with bond account nor do they mention that upon depositing money to them. so fixed term is bond! they dont do ISA! FRAUDS! Reviewed on: 17th January 2023

An internet based bank can't function if it fails to respond to internet secure messaging

I have messaged them repeatedly and failed to get an answer, the telephone holding time is too long. Reviewed on: 11th January 2023

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