RCI savings accounts

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RCI Bank is a subsidiary of French car manufacturer Renault. In the UK, RCI Bank began operations as a responsible lender, offering competitive rates to people and businesses. By 2015, RCI Bank launched with a view to offering UK savers a real alternative.

RCI Bank UK's top savings rate of 4.6% is available on one of its notice accounts.

Easy access savings accounts

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Product	Account type	Withdrawals	Min. opening balance	Rate	Deposit protection	Open via	Incentive
RCI Bank UK – Freedom Savings Account	Variable Rate	Instant access	£100	4.1% AER variable	protected	Open via: website.	Go to siteMore info	loading
RCI Bank UK – Freedom Savings Account	Variable Rate	Instant access	£100	4.1% AER variable	protected	Open via: website.	Go to siteMore info	loading

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Fixed-rate bonds

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Product	Rate	Invest	Interest paid	Withdrawals	Open via	Deposit protection	Open via	Incentive	Table product description
RCI Bank UK – 1 Year Fixed Term Savings Account	4.4% AER fixed for 1 year	From £1,000	Annually	Withdrawals not permitted	Website	protected	Open via: website.	Go to siteMore info	loading
RCI Bank UK – 1 Year Fixed Term Savings Account	4.4% AER fixed for 1 year	From £1,000	Monthly	Withdrawals not permitted	Website	protected	Open via: website.	Go to siteMore info	loading
RCI Bank UK – 3 Year Fixed Term Savings Account	4.35% AER fixed for 3 years	From £1,000	Monthly	Withdrawals not permitted	Website	protected	Open via: website.	Go to siteMore info	loading
RCI Bank UK – 5 Year Fixed Term Savings Account	4.35% AER fixed for 5 years	From £1,000	Annually	Withdrawals not permitted	Website	protected	Open via: website.	Go to siteMore info	loading
RCI Bank UK – 5 Year Fixed Term Savings Account	4.35% AER fixed for 5 years	From £1,000	Monthly	Withdrawals not permitted	Website	protected	Open via: website.	Go to siteMore info	loading

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Notice savings accounts

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Product	Account type	Withdrawals	Open with	Deposit protection	Rate	Open via	Incentive	Table product description
RCI Bank UK – 95 Day Notice Savings Account	Variable	95 days notice needed	£1,000 - £1,000,000	protected	4.6% AER variable	Open via: website.	Continue More info	loading
RCI Bank UK – 95 Day Notice Savings Account	Variable	95 days notice needed	£1,000 - £1,000,000	protected	4.6% AER variable	Open via: website.	Go to site More info	loading
RCI Bank UK – RCI Bank E-Volve Savings 14 Day Notice Account	Variable	14 days notice needed	£100 - £1,000,000	protected	4.3% AER variable	Open via: website.	Green - All funds deposited will be used exclusively for the purpose of financing electric vehicles, charging points and future green transportation projects.	Go to site More info	loading
RCI Bank UK – RCI Bank E-Volve Savings 14 Day Notice Account	Variable	14 days notice needed	£100 - £1,000,000	protected	4.3% AER variable	Open via: website.	Green - All funds deposited will be used exclusively for the purpose of financing electric vehicles, charging points and future green transportation projects.	Go to site More info	loading

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What is RCI Bank UK's best savings account with the highest interest rate?

The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.

Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts RCI Bank UK offers, plus the highest interest rate currently available.

A bit more about RCI Bank

With Renault customers often needing help to finance the purchase of their vehicles, Renault created its own internal bank in 1974 – RCI Bank.

Fifty years on and RCI Bank is still owned by Renault, operating in 36 countries with customers all over the world. It has approximately 100,000 savings customers in the UK. It focuses on offering what it describes as “transparency, simplicity, and a great service” to UK savers. Compare RCI Bank with other competitors in the UK market and see what you think.

How do I decide which account is for me?

You need to work out what it is you need from your savings account. Are you looking to put a bit of money away each month? Do you want to put some money away and restrict access to it? Are you hoping to maximise interest?

You need to work out what you need before comparing the different offers available for certain types of savings account. Once you’ve done that, useful guidelines to compare include:

• Interest rates
• Fees (if there are any)
• Access to cash (if you need quick access for instance)

Does RCI offer online or mobile banking?

RCI offers online banking through its website, and also has a dedicated mobile app. Here are some of the features:

What are the benefits and drawbacks of saving with RCI Bank?

RCI Bank customer reviews

In our independent 2025 customer satisfaction survey, 93% of RCI Bank’s users said they’d recommend the brand to a friend.

In the App Store, the RCI Bank app scores 4.3 out of 5 from around 100 reviews. Over at the Google Play store, it scores 3.3 out of 5 from over 160 reviews.

On Trustpilot, RCI Bank has a score of 3.3 out of 5 from around 500 customer reviews.

These were checked in May 2025.

Customer service information for RCI

Our verdict: Are savings accounts from RCI Bank worth it?

RCI Bank offers a wide range of savings accounts, all of which are covered by the FSCS scheme. Its rates are consistently some of the most competitive on the market, whether you’re looking for an instant access saver or are looking for a place to park your money for up to 5 years.

Read our rundown of today’s best savings accounts to see how it weighs up against other savings providers to check if it’s the right choice for you.

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Written by

Chris Lilly

Head of publishing

Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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