RCS Group, a prominent consumer finance provider in South Africa, is dedicated to enhancing lifestyles by offering accessible and innovative credit solutions. As a subsidiary of BNP Paribas, the sixth largest bank in the world, RCS has established a significant presence in South Africa, Namibia, and Botswana, serving over 2.2 million customers in collaboration with more than 600 retail partners. RCS is a registered Credit and authorised Financial Services Provider (NCRCP 38. FSP 44481).
Accreditations and Recognitions
RCS's commitment to excellence is reflected in its numerous accolades. The company was recognised as a Top Employer in South Africa for the seventh consecutive year in the 2025 financial year, underscoring its dedication to creating a supportive and empowering workplace.
This prestigious certification is awarded to organisations that demonstrate outstanding human resources practices, fostering an environment where employees can thrive.
In addition to its Top Employer status, RCS was also acknowledged as a Gender Empowered Company several years running. This recognition highlights the company's efforts in promoting gender equality and empowering women within the workplace. With 76% of its workforce comprising female employees and nearly half of its senior management positions held by women, RCS exemplifies a strong commitment to inclusion.
Local Presence and Services
Operating extensively across South Africa, Namibia, and Botswana, RCS offers a diverse range of financial products and services tailored to meet the unique needs of its customers.
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Store Card: The RCS Store Card provides customers with the flexibility to shop at over 30,000 stores nationwide, including the ability to shop online through certain partners, and even book flights. This card offers up to 55 days of interest-free credit on purchases, making it a convenient tool for managing everyday expenses.
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Credit Card: The RCS Credit Card opens up even more possibilities and is accepted wherever the Mastercard logo is displayed.
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Personal Loans: RCS offers personal loans ranging from R2 000 to R300 000, with flexible repayment terms between 12 to 60 months. Customers can enjoy fixed interest rates starting from as low as 15%, ensuring predictable and manageable repayments.
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Insurance Products: To provide peace of mind, RCS offers a variety of insurance plans, including Customer Protection Insurance, Card Protection Plans, Funeral Plans, Personal Accident Plans and Comprehensive Protection Plans. These products are designed to safeguard customers against unforeseen events and financial uncertainties.
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Mobicred: As South Africa's largest digital credit provider, Mobicred offers customers a virtual credit facility for online shopping, enhancing the digital shopping experience with fast and secure transactions.
Seamless Application Process
RCS allows customers to quickly and easily discover whether or not they are able to secure credit.
Avoid mountains of forms with paperless online applications, a process which could be completed using your smartphone.
Added to this, RCS will give you a provisional answer within minutes, and applications are completed, and your loan has been approved, RCS will ensure that cash arrives in your account within 24 hours.
Commitment to Financial Wellness
Understanding the importance of financial literacy and wellness, RCS provides tools and resources to help customers manage their finances effectively. Through the RCS Self-Service portal and mobile app, customers can conveniently access their accounts, check balances, make payments, download statements, and update personal information.
Moreover, RCS offers a Financial Wellness service that enables customers to obtain their credit scores and full credit reports in less than five minutes. This initiative empowers individuals to make informed financial decisions and take control of their financial health.
Leadership and Governance
RCS's leadership team is comprised of experienced professionals committed to driving the company's vision and strategic objectives.
This leadership structure ensures robust governance and a clear strategic direction, fostering a culture of innovation and customer-centricity.
Corporate Social Responsibility
RCS is dedicated to making a positive impact beyond its business operations. The company actively engages in initiatives that promote responsible and sustainable consumption, aligning with its core purpose of creating possibilities and empowering communities.
RCS Group stands as a legitimate, reputable and accredited financial services provider in South Africa, offering a comprehensive suite of products and services designed to meet the diverse needs of its customers. With a strong presence across Southern Africa, a commitment to excellence, and a focus on financial wellness, RCS continues to unlock possibilities and empower individuals across the region.
