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RCI Bank: Freedom Savings Account reviews

Name: Freedom Savings Account
Rating: 4.88 (9178 reviews)

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4.88

Based on 9,178 reviews, last reviewed 12th Mar 2026

179700% 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

Perfect banking solutions. No unobtrusive communications. Very competitive interest rates. Reviewed on: 12th 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.

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RCI Bank Freedom Savings Account reviews (9178)

Highly recommended

Great customer service all round. Reviewed on: 17th January 2022

Great bank

I'm at a loss to understand all of the negative reviews. Good interest rates, good communication, easy to contact (last call I was through in around 10 seconds). Reviewed on: 11th January 2022

BEWARE of RCI BANK !!

BEWARE : DO NOT USE RCI BANK READ THEIR REVIEWS!!! ARROGANT INCOMPETENT WITH A COULDN'T CARE LESS ATTITUDE ! I applied to RCI BANK fto open an account on 3rd March. It took them to the 17th March to reply to me via email giving my account details. On the email RCI BANK stated I had 14 days from date of this email (17th March) to make a payment into my account. I called on the 24th March to make a payment only to find my account had been closed. RCI BANK ARE A DISGRACE TO THE BANKING SECTOR Reviewed on: 24th March 2021

Been trying to open a fixed rate bond for 5 weeks - still no joy !!!

Completed online application with no problems. Asked to provide additional information/documentation which was sent the same day and the original documents returned without too much delay. Waited a week to receive welcome pack and ID before contacting RCI. Have sent e-mails twice since and received automated response immediately noting that a reply will be sent within 4 days - still not had reply to either e-mail approximately 20 days since sending the first !! Appreciate that there may be difficulties due to the Covid 19 restrictions etc, but at least let people know what's going on. 14 days to pay into account way past !!!!! Is it a ploy not to pay the competitive rate promised at time of application ??? Pathetic service Reviewed on: 25th June 2020

"Your account is open, except that it's closed"

Appalling experience trying to open an account. Sent additional ID proof which didn't seem to arrive, so provided it again by email. Opening account letter said I had 14 days to make a deposit, which I did, but when I couldn't access the account I was told it was because I hadn't used it in time! Absolute rubbish service; I'll be going elsewhere. Reviewed on: 17th June 2020

Had to give it 1 star but this is 3 more than it deserves

Avoid at all costs - you will be constantly on hold and the service is poor. And this is what it's like trying to open an account, god knows what obstacles I will encounter when I need to make a withdrawal. I think this was a Martin Lewis recommendation but can't be sure. If so, you dropped the ball on this one Martin Reviewed on: 5th June 2020

Truly awful

I have called them 3 times, the one hold’ time has been 52 minutes, 30 minutes, and 75 minutes. I have emailed and messaged 8 times, never received a single response. They still have £167,980 of my money which I am struggling to recover from them. DO NOT BE TEMPTED TO USE THEM Reviewed on: 19th May 2020

Don't do it

I opened an account a couple of weeks ago. Can't access the website - it doesn't recognise the ID they gave me or password. Have been trying to get through for 5 days on the phone - never get through. Have been on hold up to 60 minutes at a time. I noticed their facebook had loads of similar complaints, but today noticed all the messages have been deleted, so they are clearly moderating out their customer messages. Emailed them twice in the last week as well - still haven't had response. Emailed them on Facebook, get a 'we will call you message' but nobody calls. I am now trying to get my money back and close the account!!! Reviewed on: 18th May 2020

Easy, clear, helpful

I have been saving for my wedding with RCI Bank as their interest rates are competitive. I have always managed to log in successfully without needing the support of the contact centre staff. I did call to discuss my account and the staff member I spoke to was incredibly helpful. The account is very simple to use and I have had absolutely no issues with opening or managing this account online. THANK YOU for being clear and for your brilliant communication Reviewed on: 26th May 2019

Utterly incompetent

Terrible experience with this bank. Their customer service is non existent. They can't or won't help you. They won't transfer my money into the account unless the other bank produce yet another document. At this stage I don't know if I'll ever see my money again. Reviewed on: 8th April 2019

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