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RCI Bank: Freedom Savings Account reviews

Name: Freedom Savings Account
Rating: 4.88 (9018 reviews)

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4.88

Based on 9,018 reviews, last reviewed 6th Mar 2026

164100% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

88%

10%

Latest highest rating:

5

RCI is not slow to increase the savings interest rates Pleased that RCI is not slow to increase the interest rate when the financial markets indicate that savings rates need to increase. Reviewed on: 6th March 2026

Latest lowest rating:

1

App friendly savings Easy to use app that clearly shows different savings rates Reviewed on: 2nd February 2026

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About this product

RCI Bank savings reviews can help you to find out more about life at RCI Bank. How easy is it to contact RCI Bank? And how friendly are they? Our RCI Bank savings reviews can help you to find out information like this. Smart Money People is an independent source of honest reviews.

RCI Bank Freedom Savings Account reviews (9018)

Review of the RCI Bank, Freedom Savings Account:

Good service for online banking

RCI Bank provide a very thorough service and have several accounts with them. Reviewed on: 17th January 2022

Well designed website, easy to use.

Well designed website, easy to use. Kept well informed by email. Reviewed on: 29th January 2026

The RCI bank is trust worthy, reliable, honest with...

The RCI bank is trust worthy, reliable, honest with excellent communications either via text or online. Reviewed on: 29th January 2026

Easy online transactions, which are quickly acknowle...

Easy online transactions, which are quickly acknowledged. Reviewed on: 29th January 2026

Every time is understandable and it's all online

Every time is understandable and it's all online Reviewed on: 29th January 2026

Easy to use app and friendly staff if need to talk t...

Easy to use app and friendly staff if need to talk to someone Reviewed on: 29th January 2026

Rates have declined more than competitors

Rates have declined more than competitors Reviewed on: 29th January 2026

Great customer service fully informative

Great customer service fully informative Reviewed on: 29th January 2026

Freedom savings

It is easy to use the app and very convenient as a savings account Reviewed on: 29th January 2026

AMAZING!!

For a few years now I have had an RCI savings, I could not be happier that I have found a reliable trustworthy bank to keep my money in. I may not have much money, but to me, the money I do have is gold and to find a bank that I can trust which I can dip in and out, take money when I need and put money in with a trusted rate is amazing and I try and recommend RCI to people where I can. Reviewed on: 29th January 2026

Good account, but needs faster transfers

I have been using the RCI Bank Freedom Savings account as my primary easy-access pot, linked directly to my main current account. Overall, my experience has been a mix of convenience and slight frustration regarding modern banking standards. The Positives: Setting up the account was a very smooth and straightforward process. I’ve found the interface to be user-friendly, and moving money between RCI and my main bank is generally simple and reliable. As an easy-access account, it does exactly what it says on the tin in terms of accessibility. Areas for Improvement: The main drawback for me is the withdrawal timeline. In an era of instant "Faster Payments," the 1 PM cut-off feels outdated. If I request a transfer after 1 PM on a weekday, I have to wait until the next day to see my funds. Even more restrictive is the weekend policy; any request made on a Saturday or Sunday isn't received until Monday. I believe there is significant room for improvement here to bring the service in line with "real-time" expectations. The Interest Rate: While the rate is competitive, it isn't quite market-leading. I also have a slight concern that loyalty doesn't necessarily pay off here. While there is a reward structure for staying, it doesn’t always feel like it bridges the gap between RCI and the top-tier rates available elsewhere. Final Verdict: I am content to stay with RCI Bank for now as the "good" outweighs the "bad" for my current needs. However, due to the withdrawal delays and the interest rate positioning, I wouldn't yet highly recommend it to friends or family unless they are specifically looking for a simple, no-frills setup. Reviewed on: 29th January 2026

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