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RCI Bank: Fixed Term Savings Account reviews

Name: Fixed Term Savings Account
Rating: 4.88 (3028 reviews)

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4.88

Based on 3,028 reviews, last reviewed 16th Feb 2026

51300% 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

Easy to open and reliable returns. Easy to open and reliable returns. First class service from an excellent investment company Reviewed on: 16th February 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.

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RCI Bank Fixed Term Savings Account reviews (3028)

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

Great customer service

Really helpful when I needed information to fill out my tax forms. Thanks very much. Reviewed on: 28th January 2026

Easy and efficient website with good rates.

Easy and efficient website with good rates. Reviewed on: 28th January 2026

I have trusted this bank with my money, and it was a...

I have trusted this bank with my money, and it was a super easy to set up and transfer my money over. Defo recommend! The fixed rates are really good and looking forward to continue with them. Reviewed on: 28th January 2026

Fantastic service

Easy communication and the service and offers are fantastic Reviewed on: 28th January 2026

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