What is RCS?
RCS is South Africa’s top provider of retail credit.
We offer a range of Financial Services Products under our own name, as well as in association with the leading retailers in South Africa, Namibia and Botswana.
Store Card
There are so many choices with an RCS Store Card
Credit Card
Open up more possibilities with an RCS Credit card
Loans
Make things possible with an RCS
Personal Loan
Insurance
Get peace of mind with RCS Insurance
Mobicred
Get an account with South Africa’s largest digital credit provider
Financial
Wellness
Get your credit score and full credit
report in 5 minutes
How To Use RCS
RCS operates by providing various retail credit products like store cards, personal loans, and insurance, often in partnership with other brands and retailers across South Africa, Namibia, and Botswana.
Customers apply for credit, and if approved, can make purchases or access funds, with flexible repayment options and interest rates. RCS emphasizes responsible lending, conducting full affordability assessments and incorporating BNP Paribas' global financial risk and ethical governance standards.
Option 1
Use self-service portal for easy management
Option 2
Use self-service portal for easy management
Option 3
Pay securely and efficiently via EFT
Option 4
Manage through
debit order
Frequently Asked Questions
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1. Where can I apply for an RCS Store Card?
You can pay for your order on the website to save time during the collection. -
2. What is Self Service?
RCS Self Service allows you to manage your account conveniently and in your own time using the RCS App or via Self Service on our website.
You can do the following via these Self Service channels:
- Check your available credit
- Pay your account online
- View your favourite retailers' latest deals and promotions
- Access cash from your card (available to qualifying customers)
- Download your statements
- Update your information - email address
- Update your preferences - Choose how you receive statements
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3. Can I access cash from my RCS Store Card?
Qualifying customers can access cash from their RCS Store Card.
You can apply to access cash from your RCS Store Card through the following channels:
- On the RCS App
- Contact us on 0861 729 727
- UOnce you have completed the simple application form, you will receive a notification of your request.
- If successful, the funds will be paid into your bank account within 48 hours.
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4. What size loan can I get?
RCS offers loans ranging from R2 000 to R300 000.
You can apply for a loan amount within this range. Based on your individual circumstances, and the requirements of the National Credit Act, you may be granted a loan for a value within this range. -
5. How do personal loan repayments work?
You must pay at least the minimum amount due as indicated on your statement by the due date. You must pay us by debit order. There are no penalty fees charged should you wish to settle your loan in full.