What is an RCD and do I need one?

Short answer

An RCD (residual current device) detects current leaking out of a circuit, through a damaged cable or a person, and disconnects in milliseconds, fast enough to prevent fatal electric shock. Modern consumer units protect every circuit this way (ideally via individual RCBOs); if your board has none, that is the single most valuable upgrade available to you.

The principle is elegant: current flowing out along the live should equal current returning along the neutral. Any imbalance means electricity is escaping somewhere it should not be, through insulation damage, moisture, or a human being, and the RCD trips within milliseconds at leakage levels far below what injures.

This is categorically different from a fuse. Fuses and MCBs protect cables from overload and short circuit; they act at tens of amps. An RCD acts at thousandths of an amp, which is why it protects people. A house can have perfectly good fuses and no meaningful protection against the fault that matters most.

The modern refinement is the RCBO: one device per circuit combining both protections, so a fault on the garden socket trips the garden socket, not half the house. Older split-load boards share one RCD across many circuits, which protects people equally but makes every fault a blackout and every nuisance trip a mystery. When we replace boards, RCBO-per-circuit is our default.

How to check what you have: look for a 'test' button on the board (press it quarterly; it should trip instantly and reset cleanly), and see whether one test button covers everything (shared RCD), several do (RCBOs), or none exists (no RCD protection at all, and worth a conversation this month rather than this year).

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