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 22 October 2024
Previous version
Applied between 20 September 2024 and 21 October 2024
Fixed Term Accounts Terms and Conditions
Current version
Effective from 22 October 2024
Previous version
Applied between 20 September 2024 and 21 October 2024
Notice Accounts Terms and Conditions
Current version
Effective from 22 October 2024
Previous version
Applied between 20 September 2024 and 21 October 2024
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 22 October 2024
Previous version
Applied between 12 December 2023 and 21 October 2024
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 | Notes for existing customers |
| 04 November 22 to 09 February 23 | 2.45% | Document
| Applied to all accounts from 04 November 22 |
| 10 February 23 to 23 March 23 | 2.80% | Document
| Applied to all accounts from 10 February 23 |
| 24 March 23 to 17 April 23 | 3.05% | Document
| Applied to all accounts from 24 March 23 |
| 18 April 23 to 03 May 23 | 3.25% | Document
| Applied to all accounts from 18 April 23 |
| 04 May 23 to 18 May 23 | 3.45% | Document
| Applied to all accounts from 04 May 23 |
| 19 May 23 to 13 June 23 | 3.60% | Document
| Applied to all accounts from 19 May 23 |
| 14 June 23 to 29 June 23 | 3.85% | Document
| Applied to all accounts from 14 June 23 |
| 30 June 23 to 7 August 23 | 4.20% | Document
| Applied to all accounts from 30 June 23 |
| 08 August 23 to 20 September 23 | 4.50% | Document
| Applied to all accounts from 08 August 23 |
| 21 September 23 to 13 August 24 | 4.75% | Document
| Applied to all accounts from 21 September 23 |
| 14 August 24 to 14 November 24 | 4.60% | Document
| Applied to all accounts from 14 August 24 |
| 15 November to present 24 | 4.45% | Document
| Applied to all accounts from 15 November 24 |
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 Present | 4.30% | 4.50% | 4.35% | 3.80% | 3.80% | Document
|
95 Days' Notice Savings Account
| Opened between | Variable rate | Account info summary | Notes for existing customers |
| 28 October 22 to 09 February 23 | 2.90% | Document
| Applied to all accounts from 28 October 22 |
| 10 February 23 to 23 March 23 | 3.20% | Document
| Applied to all accounts from 10 February 23 |
| 24 March 23 to 17 April 23 | 3.45% | Document
| Applied to all accounts from 24 March 23 |
| 18 April 23 to 03 May 23 | 3.60% | Document
| Applied to all accounts from 18 April 23 |
| 04 May 23 to 18 May 23 | 3.85% | Document
| Applied to all accounts from 04 May 23 |
| 19 May 23 to 05 June 23 | 4.05% | Document
| Applied to all accounts from 19 May 23 |
| 06 June 23 to 19 June 23 | 4.20% | Document
| Applied to all accounts from 06 June 23 |
| 20 June 23 to 18 July 23 | 4.85% | Document
| Applied to all accounts from 20 June 23 |
| 19 July 23 to 07 August 23 | 5.10% | Document
| Applied to all accounts from 19 July 23 |
| 08 August 23 to 12 September 23 | 5.30% | Document
| Applied to all accounts from 08 August 23 |
| 13 September 23 to 09 November 23 | 5.60% | Document
| Applied to all accounts from 13 September 23 |
| 10 November to 21 December 23 | 5.30% | Document
| Applied to all accounts from 10 November 23 |
| 22 December 23 to 14 November 24 | 4.95% | Document
| Applied to all accounts from 22 December 23 |
| 15 November 24 to 5 December 24 | 4.70% | Document
| Applied to all accounts from 15 November 24 |
| 6 December 24 to Present | 4.90% | Document
| Applied to all accounts from 6 December 24 |
RCI Bank E-Volve Savings 14 Day Notice Account
| Opened between | Variable rate | Account info summary | Notes for existing customers |
| 28 October 22 to 09 February 23 | 2.50% | Document
| Applied to all accounts from 28 October 22 |
| 10 February 23 to 23 March 23 | 2.85% | Document
| Applied to all accounts from 10 February 23 |
| 24 March 23 to 17 April 23 | 3.10% | Document
| Applied to all accounts from 24 March 23 |
| 18 April 23 to 03 May 23 | 3.30% | Document
| Applied to all accounts from 18 April 23 |
| 04 May 23 to 18 May 23 | 3.50% | Document
| Applied to all accounts from 04 May 23 |
| 19 May 23 to 13 June 23 | 3.70% | Document
| Applied to all accounts from 19 May 23 |
| 14 June 23 to 29 June 23 | 3.95% | Document
| Applied to all accounts from 14 June 23 |
| 30 June 23 to 07 August 23 | 4.30% | Document
| Applied to all accounts from 30 June 23 |
| 08 August 23 to 20 September 23 | 4.50% | Document
| Applied to all accounts from 08 August 23 |
| 21 September 23 to 13 August 24 | 4.80% | Document
| Applied to all accounts from 21 September 23 |
| 14 August 24 to 14 November 24 | 4.65% | Document
| Applied to all accounts from 14 August 24 |
| 15 November 24 to Present | 4.55% | Document
| Applied to all accounts from 14 August 24 |
Some forms and other useful documents we use...
Forms and useful documents
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)
ACCEPTABLE FORMS
You may be asked to send proof of identity or residency. This form outlines the documents we accept
SMALL ESTATES FORM
Small Estates form
