RCI Banque

RCI Banque S.A., operating under the commercial brand Mobilize Financial Services since 2022, is the captive banking and finance arm of Renault Group and provides financing, leasing, insurance, and related services to retail and business customers of Renault, Dacia, Alpine, and, in certain markets, Nissan and Mitsubishi, alongside wholesale financing for dealer networks; it also collects customer deposits via online savings brands that vary by country (for example, Renault Bank direkt in parts of the EU and RCI Bank in the UK). The group is a licensed French credit institution supervised by the Autorité de Contrôle Prudentiel et de Résolution within the EU’s Single Supervisory Mechanism; its local entities are regulated in their respective jurisdictions (for instance, RCI Bank UK Limited is authorized by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and PRA, with deposits eligible for FSCS protection up to the statutory limit, while EU subsidiaries participate in national deposit guarantee schemes typically covering up to €100,000 per depositor). Consumer products generally include auto loans (hire purchase and PCP), operating and finance leases, service and maintenance packages, insurance and warranties, and, on the funding side, easy-access, notice, and fixed-term savings accounts that are opened and managed online; payment accounts and cards are not a focus. Business lines cover fleet and long-term rental, subscription and mobility services under the Mobilize ecosystem, and floorplan financing for dealers. Funding is diversified across customer deposits, secured and unsecured debt, and securitizations, with the mix differing by market and conditions. Availability, rates, terms, and documentation requirements are country-specific, and early access to fixed deposits is often not permitted; customer identification and residency rules apply locally. The group’s risk profile is closely linked to automotive market cycles, residual values on leased vehicles, interest-rate movements affecting deposit and lending margins, and sales performance of Renault Group brands and allied partners. Prospective customers should review the legal entity they are dealing with, the applicable regulator and deposit guarantee scheme, current product terms, and any fees or early withdrawal restrictions before opening an account or entering into finance agreements.