Your agreement(rates and documents)
Transparency and consistency are really important to us.
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 12 December 2023
Previous version
Applied between 16 November 2021 and 11 December 2023
Fixed Term Accounts Terms and Conditions
Current version
Effective from 12 December 2023
Previous version
Applied between 16 November 2021 and 11 December 2023
Notice Accounts Terms and Conditions
Current version
Effective from 12 December 2023
Previous version
Applied between 16 November 2021 and 11 December 2023
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 12 December 2023
Previous version
Applied between 16 November 2021 and 11 December 2023
Privacy Policy
This document allows you to understand what information we collect and how this is being used.
Current version
Effective from 6 November 2020
Previous version
Applied between 10 June 2019 and 5 November 2020
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

Notes for existing customers
8 June 15 to 20 July 15 1.50% PDF >  
21 July 15 to 10 February 16 1.65% PDF >  
11 February 16 to 16 March 16 1.55% PDF >  Applied to all accounts from 15 April 16
17 March 16 to 10 August 16  1.45% PDF >  Applied to all accounts from 2 June 16
6 April 16 

(no change)   

PDF >  Tax information changes only 
11 August 16 to 22 Sept 16 1.20% PDF >  Applied to all accounts from 17 Oct 16
23 Sept 16 to 5 January 17 1.00% PDF >  Applied to all accounts from 13 Dec 16    
6 January 17 to 11 Jan 17  1.01% PDF >  Applied to all accounts from 13 Jan 17     
12 January 17 to 26 Jan 17  1.02% PDF >  Applied to all accounts from 13 Jan 17
27 January 17 to 20 July 17  1.10% PDF >  Applied to all accounts from 17 Jan 17
21 July 17 to 4 October 17  1.20% PDF >  Applied to all accounts from 21 July 17 
5 October 17 to 13 December 17 1.30% PDF >  Updated wording to account summary     
14 December 17 to 18 October 18 1.30% PDF >  Applied to all accounts from 14 Dec 17
19 October 18 to 06 December 18 1.37% PDF >  Applied to all accounts from 19 October 18        
07 December 18 to 13 March 19 1.42% PDF >  Applied to all accounts from 07 December 18            
14 March 19 to 09 June 19  1.42% PDF >  Regulatory update to document
10 June 19 to 25 July 19 1.42% PDF > Rebranded document only
26 July 19 to 24 October 19 1.35% PDF > Applied to all accounts from 27 September 19
25 October 19 to 03 December 19 1.20% PDF > Applied to all accounts from 03 January 20
04 December 19 to 14 May 20 1.20% PDF > Wording update to document
15 May 20 to 09 June 20 1.05% PDF > Applied to all accounts from 02 June 20
10 June 20 to 21 June 20 0.90% PDF >  
22 June 20 to 13 August 20 0.72% PDF > Applied to all accounts from 09 July 20
14 August 20 to 26 November 20 0.57% PDF > Applied to all accounts from 01  Sept 20
27 November 20 to 20 December 20  0.50% PDF > Applied to all accounts from 20 Dec 20
21 December 20 to 09 December 21  0.40% PDF > Applied to all accounts from 15 Jan 21
10 December 21 to 17 February 22 0.55% PDF > Applied to all accounts from 10 December 21
18 February 22 to 13 April 22 0.70% PDF > Applied to all accounts from 18 February 22
14 April 22 to 11 May 22 0.90% PDF > Applied to all accounts from 14 April 22
12 May 22 to 16 June 22 1.10% PDF > Applied to all accounts from 12 May 22
17 June 22 to 11 August 22  1.32% PDF > Applied to all accounts from 17 June 22
12 August 22 to 29 September 22 1.67% PDF > Applied to all accounts from 12 August 22
30 September 22 to 03 November 22 2.00% PDF > Applied to all accounts from 30 September 22
04 November 22 to 09 February 23 2.45% PDF > Applied to all accounts from 04 November 22
10 February 23 to 23 March 23 2.80% PDF > Applied to all accounts from 10 February 23
24 March 23 to 17 April 23 3.05% PDF > Applied to all accounts from 24 March 23
18 April 23 to 03 May 23 3.25% PDF > Applied to all accounts from 18 April 23
04 May 23 to 18 May 23 3.45% PDF > Applied to all accounts from 04 May 23
19 May 23 to 13 June 23 3.60% PDF > Applied to all accounts from 19 May 23
14 June 23 to 29 June 23 3.85% PDF > Applied to all accounts from 14 June 23
30 June 23 to 7 August 23 4.20% PDF > Applied to all accounts from 30 June 23
08 August 23 to 20 September 23 4.50% PDF > Applied to all accounts from 08 August 23
21 September 23 to Present 4.75% PDF > Applied to all accounts from 21 September 23


Fixed Term Savings Accounts

Opened (or reinvestment decision made) between 1 year 2 year 3 year 4 year 5 year Account information summary
27 July 15 to 7 September 15 2.06% 2.35% - - - PDF >
7 September 15 to 4 February 16 2.06% 2.35% 2.70% - -  PDF >
5 February 16 to 25 February 16 2.01% 2.25% 2.60% - -  PDF >
26 February 16 to 17 Marrch 16 1.75% 2.15% 2.40% - -  PDF >
17 March 16 to 5 April 16 1.65% 1.90% 2.15% - -  PDF >
6 April 16 to 28 July 16 (no change, tax info changes only)   PDF >
28 July 16 to 11 August 16 1.50% 1.70% 1.85% - - PDF >
11 August 16 to 22 Sept 16 1.35% 1.50% 1.65% - -  PDF >
22 Sept 16 to 5 January 17 1.20% 1.35% 1.50% - -  PDF >
5 January 17 to 27 January 17 1.25% 1.51% 1.63% - -  PDF >
27 January 17 to 30 June 17 1.31% 1.55% 1.70% - -  PDF >
30 June 17 to 21 July 17 1.46% 1.71% 1.86% - -  PDF >
21 July 17 to 12 January 18  1.56% 1.81% 1.96% - -  PDF >
12 January 18 to 06 April 18 1.66% 1.91% 2.06% - -  PDF >
06 Apri 18 to 09 August 18 1.66% 1.91% 2.31% - -  PDF >
09 August 18 to 06 December 18 1.66% 2.11% 2.31% - -  PDF >
07 December 18 to 13 March 19 1.71% 2.11% 2.36% - - PDF >
14 March 19 to 09 June 19 1.71% 2.11% 2.36% - - PDF >
10 June 19 to 25 July 19 1.71% 2.11% 2.36% 2.40% 2.60%  PDF >
26 July 19 to 14 August 19 1.71% 2.00% 2.21% 2.30% 2.40%  PDF >
15 August to 03 October 19 1.60% 1.90% 1.95% 2.05% 2.15%  PDF >
03 October 19 to 03 December 19 1.50% 1.65% 1.75% 1.80% 1.90%  PDF >
04 December 19 to 07 May 20 1.50% 1.65% 1.75% 1.80% 1.90%  PDF >
08 May 20 to 01 June 20 1.25% 1.45% 1.55% 1.65% 1.80%  PDF >
02 June 20 to 18 June 20 0.90% 1.15% 1.30% 1.35% 1.40%  PDF >
19 June 20 to 27 July 20 0.80% 1.05% 1.20% 1.35% 1.40%  PDF >
28 July 20 to 26 November 20 0.60% 0.80% 0.95% 1.00% 1.05% PDF >
27 November to 17 December 20 0.50% 0.70% 0.85% 0.95% 1.00%  PDF >
18 December 20 to 5 July 21 0.40% 0.60% 0.75% 0.90% 0.95%  PDF >
6 July 21 to 9 September 21 0.40% 0.70% 0.85% 0.90% 1.00%  PDF >
10 September 21 to 15 November 21 0.50% 0.90% 1.00% 1.10% 1.20%  PDF >
16 November 21 to 09 December 21  0.70% 1.30% 1.35% 1.45% 1.50%  PDF >
10 December 21 to 3 February 22 0.75% 1.35% 1.45% 1.60% 1.65%  PDF >
4 February 22 to 14 March 22 1.15% 1.50% 1.70% 1.80% 1.85%  PDF >
15 March 22 to 11 April 22 1.45% 1.80% 1.85% 1.95% 2.00%  PDF >
12 April 22 to 28 April 22 1.60% 1.95% 2.05% 2.10% 2.15%  PDF >
29 April 22 to 26 May 22 1.90% 2.25% 2.35% 2.40% 2.45%  PDF >
27 May 22 to 16 June 22 2.05% 2.45% 2.50% 2.55% 2.60%  PDF >
17 June 22 to 11 August 22 2.30% 2.70% 2.75% 2.78% 2.80%  PDF >
12 August 22 to 29 September 22  2.72% 3.10% 3.10% 3.12% 3.15%  PDF >
30 September to 27 October 22 3.87% 4.30% 4.30% 4.32% 4.35%  PDF >
28 October 22 to 7 November 22 4.60% 4.85% 4.85% 4.90% 4.95%  PDF >
8 November 22 to 16 November 22 4.20% 4.85% 4.85% 4.90% 4.95%  PDF >
17 November 22 to 28 November 22 4.00% 4.50% 4.50% 4.55% 4.60%  PDF >
29 November 22 to 17 April 23 3.70% 4.20% 4.20% 4.22% 4.25%  PDF >
18 April 23 to 01 May 23 3.70% 4.35% 4.35% 4.35% 4.35%  PDF >
02 May 23 to 18 May 23 4.35% 4.58% 4.60% 4.60% 4.62%  PDF >
19 May 23 to 05 June 23 4.65% 4.85% 4.85% 4.85% 4.85%  PDF >
06 June 23 to 19 June 23 4.75% 5.00% 5.00% 5.00% 5.00%  PDF >
20 June 23 to 13 July 23 5.20% 5.50% 5.55% 5.55% 5.55%  PDF >
14 July 23 to 28 August 23 5.70% 6.00% 6.00% 5.80% 5.80%  PDF >
29 August 23 to 27 September 23 5.70% 5.85% 5.90% 5.65% 5.65%  PDF >
28 September 23 to 25 October 23 5.70% 5.85% 5.85% 5.00% 5.00%  PDF >
26 October 23 to 06 November 23 5.60% 5.75% 5.70% 5.00% 5.00%  PDF >
07 November 23 to 20 November 23 5.45% 5.60% 5.50% 4.70% 4.70%  PDF >
21 November 23 to 06 December 23 5.20% 5.20% 5.20% 4.50% 4.50%  PDF >
07 December 23 to 18 December 23 5.20% 5.20% 4.85% 4.50% 4.50%  PDF >
19 December 23 to 04 April 24 4.60% 4.70% 4.45% 4.00% 4.00%  PDF >
05 April 24 to 18 April 24 4.60% 4.90% 4.65% 4.00% 4.00%  PDF >
19 April to Present 4.60% 5.05% 4.70% 4.25% 4.00%  PDF >

 

95 Days' Notice Savings Account

Opened between Variable rate Account info summary Notes for existing customers
03 April 20 to 14 May 20   

1.40%

PDF > 

-
15 May 20 to 31 August 20 N/A  Temporarily withdrawn from sale -
01 September 20 to 26 November 20 0.65% PDF >  Applied to all accounts from 09 December 20
27 November to 20 December 20 0.55% PDF >  Applied to all accounts from 07 April 21
21 December 20 to 8 July 21  0.45%  PDF >  Applied to all accounts from 01 May 21
9 July 21 to 9 September 21 0.52%  PDF >  Applied to all accounts from 09 July 21
10 September 21 to 7 February 22 0.82%  PDF >  Applied to all accounts from 10 September 21
8 February 22 to 13 April 22 0.90%  PDF >  Applied to all accounts from 8 February 2022
14 April 22 to 28 April 22 1.10%  PDF >  Applied to all accounts from 14 April 22
29 April 22 to 26 May 22 1.35%  PDF >  Applied to all accounts from 29 April 22
27 May 22 to 11 August 22 1.55%  PDF >  Applied to all accounts from 27 May 22
12 August 22 to 29 September 22 1.90%  PDF >  Applied to all accounts from 12 August 22
30 September 22 to 27 October 22 2.40%  PDF >  Applied to all accounts from 30 September 22
28 October 22 to 09 February 23  2.90%  PDF >  Applied to all accounts from 28 October 22
10 February 23 to 23 March 23 3.20%  PDF >  Applied to all accounts from 10 February 23
24 March 23 to 17 April 23 3.45%  PDF >  Applied to all accounts from 24 March 23
18 April 23 to 03 May 23 3.60%  PDF >  Applied to all accounts from 18 April 23
04 May 23 to 18 May 23 3.85%  PDF >  Applied to all accounts from 04 May 23
19 May 23 to 05 June 23 4.05%  PDF >  Applied to all accounts from 19 May 23
06 June 23 to 19 June 23 4.20%  PDF >  Applied to all accounts from 06 June 23
20 June 23 to 18 July 23 4.85%  PDF >  Applied to all accounts from 20 June 23
19 July 23 to 07 August 23 5.10%  PDF >  Applied to all accounts from 19 July 23
08 August 23 to 12 September 23 5.30%  PDF >  Applied to all accounts from 08 August 23
13 September 23 to 09 November 23 5.60%  PDF >  Applied to all accounts from 13 September 23
10 November to 21 December 23 5.30%  PDF >  Applied to all accounts from 10 November 23
22 December 23 to Present 4.95%  PDF >  Applied to all accounts from 22 December 23

 

RCI Bank E-Volve Savings 14 Day Notice Account

Opened between Variable rate Account info summary Notes for existing customers
16  November 21 to 7 February 22   

0.55%

PDF > 

-
8 February 22 to 13 April 22  0.70% PDF >  Applied to all accounts from 8 February 2022
14 April 22 to 11 May 22 0.95% PDF >  Applied to all accounts from 14 April 22
12 May 22 to 16 June 22 1.15% PDF >  Applied to all accounts from 12 May 22
17 June 22 to 11 August 22 1.35% PDF >  Applied to all accounts from 17 June 22
12 August 22 to 29 September 22 1.70% PDF >  Applied to all accounts from 12 August 22
30 September 22 to 27 October 22 2.10% PDF >  Applied to all accounts from 30 September 22
28 October 22 to 09 February 23 2.50% PDF >  Applied to all accounts from 28 October 22
10 February 23 to 23 March 23 2.85% PDF >  Applied to all accounts from 10 February 23
24 March 23 to 17 April 23 3.10% PDF >  Applied to all accounts from 24 March 23
18 April 23 to 03 May 23 3.30% PDF >  Applied to all accounts from 18 April 23
04 May 23 to 18 May 23 3.50% PDF >  Applied to all accounts from 04 May 23
19 May 23 to 13 June 23  3.70% PDF >  Applied to all accounts from 19 May 23
14 June 23 to 29 June 23  3.95% PDF >  Applied to all accounts from 14 June 23
30 June 23 to 07 August 23 4.30% PDF >  Applied to all accounts from 30 June 23
08 August 23 to 20 September 23 4.50% PDF >  Applied to all accounts from 08 August 23
21 September 23 to Present  4.80% PDF >  Applied to all accounts from 21 September 23
Some forms and other useful documents we use...
Forms and useful documents
INTERNATIONAL TAX COMPLIANCE FORM
International tax compliance form
ADD A JOINT ACCOUNT HOLDER FORM
Use this to add someone one your account to create a joint account.
CHANGE YOUR PERSONAL DETAILS FORM
If you have a joint account, use this form to change your personal details (including your linked account)
POWER OF ATTORNEY - EASY ACCESS
Use this form to apply for a new account on behalf of your donor, or to apply for Power of Attorney for an existing account.
POWER OF ATTORNEY - FIXED TERM
Use this form to apply for a new account on behalf of your donor, or to apply for Power of Attorney for an existing account.
POWER OF ATTORNEY - 95 DAY NOTICE ACCOUNT
Use this form to apply for a new account on behalf of your donor, or to apply for Power of Attorney for an existing account.
POWER OF ATTORNEY - E-VOLVE SAVINGS 14 DAY NOTICE ACCOUNT
Use this form to apply for a new account on behalf of your donor, or to apply for Power of Attorney for an existing account.