• Store Card
  • Credit Card
  • Loans
  • Insurance

    • Insurance Overview

      Personal Insurance Cover Plans in South Africa with RCS financial services and products. A range of insurance plans and options for you to chose form at RCS.

      Learn More

    • Customer Protection Insurance

      Get peace of mind in the event of death, disability or loss of income.

      Learn More

    • Card Protection Plan

      Cover for unauthorised use of card and card replacement when lost or stolen.

      Learn More

    • Funeral Plan

      Cover for Funeral Expenses following death.

      Learn More

    • Personal Accident Plan

      Cover for Accidental Death & Accidental Permanent Disability

      Learn More

    • Comprehensive Protection Plan

      Cover for Death, Permanent Disability, Serious Illness & Income Booster.

      Learn More

    • Critical Illness Plan

      Cover for certain Critical Illness -Heart attack, stroke, cancer.

      Learn More

    • Income Protection Plan

      Cover for Income Protection following death.

      Learn More
  • Shopping Network
  • search icon
  • menu icon
Login
  • search icon
  • menu icon
  • Home
  • Our Products
    • Our Products
    • Store Card
      • Store Card
      • Store Card
      • Online Shopping
      • Terms and Conditions
      • How to Apply
    • Credit Card
      • Credit Card
      • Credit Card
      • Terms and Conditions
      • How to Apply
    • Loans
      • Loans
      • Loans
      • Loan Repayment Calculator
      • Loan Terminology
      • Terms and Conditions
      • How to Apply
    • Insurance Overview
      • Insurance Overview
      • Insurance Overview
      • Customer Protection Insurance
      • Card Protection Plan
      • Funeral Plan
      • Personal Accident Plan
      • Comprehensive Protection Plan
      • Critical Illness Plan
      • Income Protection Plan
      • Compliance
      • How to Claim
      • How to Complain
    • Mobicred
    • Financial Wellness
  • Shopping Network
  • About RCS
    • About RCS
    • About RCS
    • Careers
    • Investor Relations
    • Contact Us
    • Legal
    • Corporate Social Responsibility
    • Retail Partners
  • Contact Us
  • Media
    • Media
    • Media
    • What the Data Says: South African Borrowing Patterns in 2025
    • The True Value of a 55-Day Interest-Free Period
    • Wedding Credit – How Much Do You Actually Need in South Africa?
    • Top SA Winter Getaways to Reignite Your Mind and Soul
    • July Savings Month: Simple Saving Strategies for a Stronger Tomorrow
  • Self Service
  • Login
  • Register
  • 0861 729 727
  • rcscards@rcsgroup.co.za
  • LinkedIn
  • Facebook
  • Twitter
  • Instagram
  • YouTube
  • FAQ
  • Careers
  • Legal

Investor Relations

The RCS Group is an independent financial services company, operating in South Africa, Namibia and Botswana. Since its inception in 1999, RCS has provided credit and financial services to more than 2 million customers.

About /   Investor Relations

  • Financial Results and Policies

  • Investor Communication

  • Domestic Medium-Term Note (DMTN) Programme with BNP Guarantee - Placing Documents

  • Domestic Medium-Term Note (DMTN) Programme without BNP Guarantee - Placing Documents

  • Credit Ratings - S&P Programme Rating

Financial Results and Policies

download-document

December 2024 Annual Financial Statements

 download-document

December 2023 Addendum to Annual Financial Statements

 download-document

December 2023 Annual Financial Statements

 download-document

December 2022 Annual Financial Statements

 download-document

December 2021 Annual Financial Statements

 download-document

December 2020 Annual Financial Statements

 download-document

December 2019 Annual Financial Statements

download-document

Corporate Governance Policy

Investor Communication

download-document

June 2025 Investor Dashboard

 download-document

August 2025 Investor Roadshow Presentation

Domestic Medium-Term Note (DMTN) Programme with BNP Guarantee - Placing Documents

download-document

RCS Programme Memorandum (BNP Paribas Guaranteed)

 download-document

BNP Paribas Guarantee

 download-document

RCS Cards Guarantee

 download-document

Applicable Pricing Supplement (BPPF53)

 download-document

Applicable Pricing Supplement (BPPF52)

 download-document

Applicable Pricing Supplement (BPPF51)

 download-document

Applicable Pricing Supplement (BPPF50)

 download-document

Applicable Pricing Supplement (BPPF48)

 download-document

Applicable Pricing Supplement BPPF44

 download-document

Applicable Pricing Supplement BPPF43

 download-document

Applicable Pricing Supplement BPPF42

 download-document

Applicable Pricing Supplement BPPF40

Domestic Medium-Term Note (DMTN) Programme without BNP Guarantee - Placing Documents

download-document

RCS Programme Memorandum (without BNP Guarantee)

download-document

RCS Cards Guarantee

 download-document

Information Statement

download-document

Applicable Pricing Supplement (RCS01)

 download-document

Applicable Pricing Supplement (RCS02)

Credit Ratings - S&P Programme Rating

download-document

S&P Issuer Rating – August 2025

Investor Relations Sections

  1. Financial Results and Policies
  2. Investor Communication
  3. Domestic Medium-Term Note (DMTN) Programme with BNP Guarantee - Placing Documents
  4. Domestic Medium-Term Note (DMTN) Programme without BNP Guarantee - Placing Documents
  5. Credit Ratings - S&P Programme Rating

*As at 31 December 2024 RCS has no conflicts of interest to report

Stay up-to-date with our newsletter on latest exciting offers.

Please enter a valid email address

Products

  • Store Card
  • Credit Card
  • Loans
  • Insurance

Customers

  • Self Service
  • Shopping Network
  • FAQ
  • Retail Partners
  • Contact Us

Quick Links

  • About
  • Media
  • Careers
  • Legal
  • See If You Qualify

If you suspect any fraud on your account, or that you might be a victim of a scam involving RCS, please email investigations@rcsgroup.co.za

Whistleblowing:
Report employee misconduct: EthicsPoint - BNP Paribas Group Alternatively Email: whistleblower@rcsgroup.co.za

National Financial Ombud Scheme

Phone 0860-800-900 Whatsapp +27 (0) 66 473 0157 Email info@nfosa.co.za

2025 - RCS Group. RCS is a registered Credit and authorised Financial Services Provider. NCRCP 38. FSP 44481

  • Privacy Policy
  • Cookie Policy
  • Terms and Conditions
  • Report Fraud
  • 0861 729 727
  • rcscards@rcsgroup.co.za
  • LinkedIn
  • Facebook
  • Twitter
  • Instagram
  • YouTube

If you suspect any fraud on your account, or that you might be a victim of a scam involving RCS, please email investigations@rcsgroup.co.za

Whistleblowing:
Report employee misconduct: EthicsPoint - BNP Paribas Group Alternatively Email: whistleblower@rcsgroup.co.za

National Financial Ombud Scheme

Phone 0860-800-900 Whatsapp +27 (0) 66 473 0157 Email info@nfosa.co.za

2025 - RCS Group. RCS is a registered Credit and authorised Financial Services Provider. NCRCP 38. FSP 44481

  • Privacy Policy
  • Cookie Policy
  • Terms and Conditions
  • Report Fraud