Our agreement with you is made up of these documents: Terms and Conditions of our Relationship, Managing your Account, Privacy Policy and the relevant Account Information Summary.
You can find all these documents below, along with historical rates for easy reference.
We’ll try not to make any changes to your agreement. Sometimes we’ll need to - we’ll let you know about any important changes and list previous versions below.
Freedom Savings Account Terms and Conditions
Current version
Effective from 7 July 2025
Previous version
Applied between 9 April 2025 and 6 July 2025
Fixed Term Accounts Terms and Conditions
Current version
Effective from 7 July 2025
Previous version
Applied between 9 April 2025 and 6 July 2025
Notice Accounts Terms and Conditions
Current version
Effective from 7 July 2025
Previous version
Applied between 9 April 2025 and 6 July 2025
Managing your Account
This document gives you information about how to manage your account and was provided to you at account opening
Current version
Effective from 7 July 2025
Previous version
Applied between 22 October 2024 and 6 July 2025
Privacy Policy
This document allows you to understand what information we collect and how this is being used.
Current version
Effective from 6 December 2024
Previous version
Applied between 6 November 2020 and 5 December 2024
RCI Bank Mobile App Minimum Terms
This document allows you to understand what information we collect and how this is being used.
Current version
Effective from 14 December 2020
Historical changes to our terms...
All rates are AER gross.
Freedom Savings Account
Opened between | Variable rate | Account info summary |
| 04 November 22 to 09 February 23 | 2.45% | Document
|
| 10 February 23 to 23 March 23 | 2.80% | Document
|
| 24 March 23 to 17 April 23 | 3.05% | Document
|
| 18 April 23 to 03 May 23 | 3.25% | Document
|
| 04 May 23 to 18 May 23 | 3.45% | Document
|
| 19 May 23 to 13 June 23 | 3.60% | Document
|
| 14 June 23 to 29 June 23 | 3.85% | Document
|
| 30 June 23 to 7 August 23 | 4.20% | Document
|
| 08 August 23 to 20 September 23 | 4.50% | Document
|
| 21 September 23 to 13 August 24 | 4.75% | Document
|
| 14 August 24 to 14 November 24 | 4.60% | Document
|
| 15 November to 29 January 25 | 4.45% | Document
|
| 30 January 25 to 13 February 25 | 4.35% | Document
|
| 14 February 25 to 18th May 25 | 4.25% | Document
|
| 19th May 25 to Present | 4.10% | Document
|
Fixed Term Savings Accounts
| Opened (or reinvestment decision made) between | 1 year | 2 year | 3 year | 4 year | 5 year | Account information summary |
| 29 November 22 to 17 April 23 | 3.70% | 4.20% | 4.20% | 4.22% | 4.25% | Document
|
| 18 April 23 to 01 May 23 | 3.70% | 4.35% | 4.35% | 4.35% | 4.35% | Document
|
| 02 May 23 to 18 May 23 | 4.35% | 4.58% | 4.60% | 4.60% | 4.62% | Document
|
| 19 May 23 to 05 June 23 | 4.65% | 4.85% | 4.85% | 4.85% | 4.85% | Document
|
| 06 June 23 to 19 June 23 | 4.75% | 5.00% | 5.00% | 5.00% | 5.00% | Document
|
| 20 June 23 to 13 July 23 | 5.20% | 5.50% | 5.55% | 5.55% | 5.55% | Document
|
| 14 July 23 to 28 August 23 | 5.70% | 6.00% | 6.00% | 5.80% | 5.80% | Document
|
| 29 August 23 to 27 September 23 | 5.70% | 5.85% | 5.90% | 5.65% | 5.65% | Document
|
| 28 September 23 to 25 October 23 | 5.70% | 5.85% | 5.85% | 5.00% | 5.00% | Document
|
| 26 October 23 to 06 November 23 | 5.60% | 5.75% | 5.70% | 5.00% | 5.00% | Document
|
| 07 November 23 to 20 November 23 | 5.45% | 5.60% | 5.50% | 4.70% | 4.70% | Document
|
| 21 November 23 to 06 December 23 | 5.20% | 5.20% | 5.20% | 4.50% | 4.50% | Document
|
| 07 December 23 to 18 December 23 | 5.20% | 5.20% | 4.85% | 4.50% | 4.50% | Document
|
| 19 December 23 to 04 April 24 | 4.60% | 4.70% | 4.45% | 4.00% | 4.00% | Document
|
| 05 April 24 to 18 April 24 | 4.60% | 4.90% | 4.65% | 4.00% | 4.00% | Document
|
| 19 April 24 to 28 May 24 | 4.60% | 5.05% | 4.70% | 4.25% | 4.00% | Document
|
| 29 May 24 to 13 June 24 | 4.60% | 4.92% | 4.72% | 4.25% | 4.00% | Document
|
| 14 June 24 to 05 August 24 | 4.60% | 5.00% | 4.76% | 4.25% | 4.00% | Document
|
| 06 August 24 to 30 September 24 | 4.30% | 4.70% | 4.40% | 4.00% | 4.00% | Document
|
| 01 October 24 to 02 December 24 | 4.30% | 4.40% | 4.20% | 3.80% | 3.80% | Document
|
| 03 December 24 to 09 January 25 | 4.30% | 4.50% | 4.35% | 3.80% | 3.80% | Document
|
| 10 January 25 to 27 February 25 | 4.30% | 4.60% | 4.45% | 3.80% | 3.80% | Document
|
| 28 February 25 to 11th March 25 | 4.30% | 4.50% | 4.45% | 3.80% | 3.80% | Document
|
| 12th March 25 to 29 April 25 | 4.30% | 4.40% | 4.45% | 3.80% | 3.80% | Document
|
| 30 April 25 to 12 May 25 | 4.30% | 4.30% | 4.25% | 3.80% | 3.80% | Document
|
| 14 May 25 to 14 May 25 | 4.10% | 4.20% | 4.25% | 3.80% | 3.80% | Document
|
| 15 May 25 to 9 June 25 | 4.10% | 4.20% | 4.15% | 3.80% | 3.80% | Document
|
| 10 June 25 to 10 July 25 | 4.10% | 4.30% | 4.35% | 4.00% | 4.25% | Document
|
| 11 July 25 to 14 July 25 | 4.40% | 4.20% | 4.15% | 4.00% | 4.35% | Document
|
95 Days' Notice Savings Account
| Opened between | Variable rate | Account info summary |
| 28 October 22 to 09 February 23 | 2.90% | Document
|
| 10 February 23 to 23 March 23 | 3.20% | Document
|
| 24 March 23 to 17 April 23 | 3.45% | Document
|
| 18 April 23 to 03 May 23 | 3.60% | Document
|
| 04 May 23 to 18 May 23 | 3.85% | Document
|
| 19 May 23 to 05 June 23 | 4.05% | Document
|
| 06 June 23 to 19 June 23 | 4.20% | Document
|
| 20 June 23 to 18 July 23 | 4.85% | Document
|
| 19 July 23 to 07 August 23 | 5.10% | Document
|
| 08 August 23 to 12 September 23 | 5.30% | Document
|
| 13 September 23 to 09 November 23 | 5.60% | Document
|
| 10 November to 21 December 23 | 5.30% | Document
|
| 22 December 23 to 14 November 24 | 4.95% | Document
|
| 15 November 24 to 5 December 24 | 4.70% | Document
|
| 6 December 24 to 14 January 25 | 4.90% | Document
|
| 15 January 25 to 13 February 25 | 4.75% | Document
|
| 14 February to 01 April 25 | 4.55% | Document
|
| 02 April 25 to 18th May 25 | 4.40% | Document
|
| 19 May 25 to 24 June 25 | 4.25% | Document
|
| 25 June 25 to Present | 4.60% | Document
|
RCI Bank E-Volve Savings 14 Day Notice Account
| Opened between | Variable rate | Account info summary |
| 28 October 22 to 09 February 23 | 2.50% | Document
|
| 10 February 23 to 23 March 23 | 2.85% | Document
|
| 24 March 23 to 17 April 23 | 3.10% | Document
|
| 18 April 23 to 03 May 23 | 3.30% | Document
|
| 04 May 23 to 18 May 23 | 3.50% | Document
|
| 19 May 23 to 13 June 23 | 3.70% | Document
|
| 14 June 23 to 29 June 23 | 3.95% | Document
|
| 30 June 23 to 07 August 23 | 4.30% | Document
|
| 08 August 23 to 20 September 23 | 4.50% | Document
|
| 21 September 23 to 13 August 24 | 4.80% | Document
|
| 14 August 24 to 14 November 24 | 4.65% | Document
|
| 15 November 24 to 13 February 25 | 4.55% | Document
|
| 14 February 25 to 01 April 25 | 4.45% | Document
|
| 02 April 25 to 18th May 25 | 4.35% | Document
|
| 19 May 25 to 24 June 25 | 4.20% | Document
|
| 25 June 25 to Present | 4.30% | Document
|
