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RCI Bank: Freedom Savings Account reviews

Name: Freedom Savings Account
Rating: 4.84 (11989 reviews)

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4.84

Based on 11,989 reviews, last reviewed 17th Jun 2026

60% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

90%

Latest highest rating:

5

They seem to be honest and consistent. They seem to be honest and consistent. You know where you are. They remain competitive. The web site is secure and easy to use. I like them Reviewed on: 17th June 2026

Latest lowest rating:

1

I recently told RCI bank about an illness I have and... I recently told RCI bank about an illness I have and wanted to close my accounts. I was told my money would be in my nominated bank account by the clo... Read more Reviewed on: 12th March 2026

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About this product

The RCI Freedom Savings Account has unlimited access and a seven-day service.

The Freedom Savings Account is free to use and available to UK residents aged 18 or over. You need to pay in and out through an RCI Bank savings account or a linked UK current account.

RCI Freedom 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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Awards

Best savings provider 2026

Awarded to the savings account provider rated highest in UK customer reviews.

RCI Bank Freedom Savings Account reviews (11989)

Good savings account

It offers a decent interest rate , and customer service is good Reviewed on: 2nd June 2023

Still a happy customer

Been with RCI for a few years and they still offer a great service and quick to increase interest rates Reviewed on: 16th March 2023

Great service and reliability

A bank which keeps its promises. Competitive interest rates, combined with service you can depend on. Reviewed on: 11th March 2023

Great rate for an easy access account

I originally took out a notice account with RCI, but while this was giving a great interest rate at the time, sometimes you need immediate access to your savings. Once again one of the top interest rates with Freedom Savings. Reviewed on: 9th March 2023

Untrustworthy bank

Lost my trust with this bank and there is no way to ever restore it after they suddenly removed my linked account without any explanation and took months to restore it by forcing me to reapply by post. I could not use my own money when we needed it desperately. It caused unnecessary anxiety, RCI did not even apologised. Now trying to withdraw my savings and move it to another more reliable provider with much much better and more competitive rate, the bank has kept my money for nearly a week when it says one business day. So it’s not earning any interest as it’s not appearing in the RCI account and also not in my personal bank account.I used to believe RCI was a decent bank but no longer. Reviewed on: 11th February 2023

Terrible Customer Service

Stay away from this bank. You will wait for ever to get through on the phone and no live Chat. I am going to close my account. Reviewed on: 3rd January 2023

Interest rates

B of E increased the bank rate by .5% some weeks ago but the freedom savings rate remains unchanged. Emails enquiring as to whether a change of rate is immenent remain unanswered. May be a time to move savings?. No staff involved. Achievable electronically. SA Reviewed on: 2nd January 2023

Service

Update 17th December 2022 - money has now arrived Reviewed on: 16th December 2022

Worst Bank Ever

I have been locked out of my account. After waiting on the phone for over an hour, I finally gave up. I was calling UK from Spain so goodness knows how much the phone call cost. This is not the first time I have had this problem and I will move my money away from RCI Bank as soon as I can access it. This is not poor service, it is totally non existent service Reviewed on: 15th December 2022

Appalling customer service

Wasted hours trying to withdraw my deposits despite instant access. Still waiting for funds after 2 days Reviewed on: 8th December 2022

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