Renault Bank

Renault Bank is the retail savings brand of RCI Banque S.A., the banking arm of Renault Group operating under the commercial umbrella Mobilize Financial Services, offering online savings and term deposit products in several European markets, notably Germany and Austria under “Renault Bank direkt” and in the UK under “RCI Bank.” RCI Banque S.A. is a French credit institution supervised by the ACPR, and deposits placed with its branches are covered by the French Deposit Guarantee and Resolution Fund (FGDR) up to €100,000 per depositor per institution; this limit applies in aggregate across all branches and brands of RCI Banque S.A., with local-currency equivalents where applicable. The product range typically includes variable-rate easy access accounts and fixed-term deposits with defined maturities, funded and withdrawn via bank transfers; there are no cash services, payment cards, or current-account features. Account opening is completed online with identity verification and residency checks; eligibility criteria, minimum and maximum balances, interest calculation and payout frequency, and early termination rules differ by market and product. Standard practice is no account maintenance fee, while early access to term deposits may be disallowed or subject to interest loss according to contract terms. Interest is taxable according to local rules and may be subject to withholding by the operating branch. Access is provided through web and mobile channels with strong customer authentication and customer support during business hours in the relevant language. Rates, promotional offers, and conditions change over time; prospective customers should review current documentation and consider deposit guarantee limits, issuer credit risk, and liquidity constraints before placing funds.