Easy access
RCI savings accounts
RCI Bank UK offers a broad range of savings accounts with interest rates up to 4.75%.
RCI Bank offers a good variety of savings accounts, including easy access and fixed rates bonds – just one of the reasons why it won the Finder People’s Choice Award for Savings Provider 2025.
RCI Bank UK's top savings rate of 4.75% is available on one of its fixed-rate bond accounts.
Easy access savings accounts
Table: sorted by interest rate
RCI Bank UK's best easy access rate of 3.95% is significantly lower than today's market-best rate of 6%.
2 of 2 results
Compare other products
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How we picked theseCash ISAs
Table: sorted by interest rate
RCI Bank UK's best cash ISA rate of 4.6% is very slightly lower than today's market-best rate of 4.87%.
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Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseFixed-rate bonds
Table: sorted by interest rate
RCI Bank UK's best fixed-rate bond rate of 4.75% is very slightly lower than today's market-best rate of 5%.
Compare other products
We currently don't have that product, but here are others to consider:
How we picked theseNotice savings accounts
Table: sorted by interest rate
RCI Bank UK's best notice savings account rate of 4.05% is very slightly lower than today's market-best rate of 4.38%.
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We currently don't have that product, but here are others to consider:
How we picked these
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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.
| Savings account types include | Easy access, cash ISAs, fixed-rate bonds, notice accounts |
|---|---|
| Best easy access rate | 3.95% |
| Best cash ISA rate | 4.6% |
| Best fixed-rate bond rate | 4.75% |
| Best notice account rate | 4.05% |
| Fixed bond terms | 1 year - 5 years |
| Notice account periods available | 14 days - 95 days |
| Opening options | Website, mobile app |
| FSCS protection |
A bit more about RCI Bank
RCI Bank has approximately 130,000 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
- Minimum and maximum balances
- 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:
Online banking
- Easy to navigate around savings section
- Manage and arrange transactions
- Manage personal details and preferences
Mobile banking
- Access your accounts using Touch ID, facial recognition or PIN
- Manage transactions
- Update personal details and preferences
- Reset your password
What are the benefits and drawbacks of saving with RCI Bank?
The benefits
- Top rates. RCI Bank’s rates are among the best.
- FSCS protection. Deposits with RCI Bank are protected up to a total of £120,000 by the Financial Services Compensation Scheme.
- Wide variety of accounts. RCI Bank customers can choose from a wide range of easy access and fixed rate accounts.
The drawbacks
- No current accounts. At the moment, RCI Bank only offers savings accounts, so it’s no good for those looking for everyday banking services.
- No UK branches. All customer support is carried out online or over the phone. RCI Bank doesn’t have any physical branches in the UK.
What do customers say about RCI Bank?
97% of customers we surveyed in 2026 would recommend RCI Bank to a friend.
It's highly rated for its straightforward, easy-to-use savings accounts that offer competitive credit interest rates and unlimited withdrawals. Customers appreciate the transparent communication, noting that all rules are explained clearly and notifications are promptly sent when rates change.
The customer service team is also highlighted for being incredibly helpful and quick to resolve any occasional account access issues.
AI-generated summary from the text of customer reviews on Finder.
RCI Bank and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field. RCI Bank was named our 2025 Savings People's Choice Award winner!
Customer service information for RCI
| Email support | |
|---|---|
| Telephone support | |
| In-app or live chat | |
| Contact form | |
| Branch support |
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.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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Sources
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