RCS
RCS South Africa: NCR registration NCRCP38, part of BNP Paribas Personal Finance. Independent overview of RCS history, ownership, and how to verify their credit provider licence on Creditdeals.io.
RCS — Who Operates the Brand and Is It Licensed
RCS (rcs.co.za) is one of South Africa's largest consumer finance businesses. Store cards, personal loans and insurance are issued by RCS Cards (Pty) Ltd (company registration 2000/017891/07), a registered credit provider with the National Credit Regulator under NCRCP38 and an authorised financial services provider (FSP 44481). RCS operates under the National Credit Act 34 of 2005 and is part of the RCS Group, ultimately owned by BNP Paribas Personal Finance.
Why Choose RCS?
30,000+ partner stores nationwide
One RCS Store Card works across groceries, clothing, electronics and hardware — far wider than a single-retailer account.
Up to 55 days interest-free on purchases
Pay your statement in full by the due date and you may qualify for interest-free shopping on eligible retail spend.
NCR-registered credit provider (NCRCP38)
All lending and affordability assessments follow NCA rules — verify NCRCP38 on the official NCR register before you sign.
RCS App and self-service portal
Check balances, download statements, pay your account and request cash advances from your phone.
Key Features RCS
| Parameter | Value |
|---|---|
| Operator | RCS Cards (Pty) Ltd |
| Company registration | 2000/017891/07 |
| NCR registration | NCRCP38 |
| FSP licence | 44481 |
| Store network | 30,000+ retail partners |
| Personal loan range | R2,000 – R300,000 (subject to assessment) |
| Minimum income | R1,000 per month (store card) |
| Head office | Mutual Park, Pinelands, Cape Town |
Apply at RCS — Quick Start
Ready to receive funds in your account today? The process is simple:
Apply online or at the customer desk at Game, Makro, Builders and other RCS partners.
Latest payslip or bank statements — RCS runs an NCA affordability and credit bureau check.
Many online applications get a provisional answer within minutes.
Collect your store card in-store or sign your personal loan pre-agreement quotation digitally.
South Africans 18+ who want one retail credit facility accepted at major chains, or a regulated personal loan from an established NCR-registered provider.
Contact Information RCS
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RCS — Visit bank
RCS South Africa: NCR registration NCRCP38, part of BNP Paribas Personal Finance. Independent overview of RCS history, ownership, and how to verify their credit provider licence on Creditdeals.io.