RCI Bank UK Limited Credit Rating
RCI Bank UK Limited has no public long-term credit rating from S&P, Moody's or Fitch. That is common among smaller and newer UK banks and is not in itself a sign of financial weakness — ratings are typically sought by institutions that raise debt in wholesale markets. Eligible deposits with UK-authorised banks and building societies are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person, per banking licence (the limit rose from £85,000 on 1 December 2025). Where several brands share a single banking licence, that £120,000 limit is shared across those brands rather than applying to each one separately.
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Frequently asked questions about RCI Bank UK Limited
Is RCI Bank UK Limited safe?
RCI Bank UK Limited has no public long-term credit rating from S&P, Moody's or Fitch. A missing rating is not evidence of weakness — many smaller and newer UK banks simply do not seek one. Separately, Eligible deposits with UK-authorised banks and building societies are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person, per banking licence (the limit rose from £85,000 on 1 December 2025). Where several brands share a single banking licence, that £120,000 limit is shared across those brands rather than applying to each one separately. This page is information about published credit ratings, not financial advice.
What is RCI Bank UK Limited's credit rating?
RCI Bank UK Limited has no public long-term credit rating from S&P, Moody's or Fitch. Mobilize Financial Services lists the group's rated issuers and RCI Bank UK Limited is not among them; its parent, RCI Banque SA, is rated Baa1 by Moody's and BBB- by S&P, both with a stable outlook.
Is RCI Bank UK Limited covered by the FSCS?
Eligible deposits with UK-authorised banks and building societies are protected by the Financial Services Compensation Scheme (FSCS) up to £120,000 per eligible person, per banking licence (the limit rose from £85,000 on 1 December 2025). Where several brands share a single banking licence, that £120,000 limit is shared across those brands rather than applying to each one separately. RCI Bank UK Limited is recorded with FCA reference 815220. Because protection follows the banking licence rather than the brand, check the current position and which brands share a licence on the FSCS website before relying on it.
Who owns RCI Bank UK Limited?
RCI Bank UK Limited is owned by RCI Banque SA (Mobilize Financial Services, part of Renault Group). Ownership matters for credit ratings because agencies often factor in the likelihood of support from a parent group, and because brands under the same banking licence share a single FSCS limit.