Question

What is the difference between a fuse, an MCB and an RCD?

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Answer

They protect against different dangers, and the crucial point is that only one of them protects people.

Fuses and MCBs protect the wiring. Their job is to prevent cables overheating and causing fire when too much current flows.

A fuse is a thin wire that melts when current exceeds its rating, breaking the circuit. Simple, reliable and single-use — it must be replaced. Rewirable fuses in old consumer units are obsolete and were a genuine hazard, since people replaced the wire with whatever was to hand.

An MCB (miniature circuit breaker) does the same job mechanically and can be reset. It has two mechanisms: a thermal element for sustained overload, and a magnetic element for instantaneous disconnection on a short circuit. MCBs are more accurate than fuses and cannot be defeated by improvisation.

An RCD (residual current device) protects people. It works on a completely different principle. It continuously compares the current flowing out on the live conductor with the current returning on the neutral. In a healthy circuit these are equal. If some current is escaping — through a person touching a live part, or through damaged insulation to earth — there is an imbalance, and the RCD disconnects within milliseconds.

Typical domestic RCDs trip at a residual current of 30mA, chosen because it is below the level that causes ventricular fibrillation in most people.

Critically, an MCB will not save you from electrocution. A person can receive a fatal shock at a current far below what it takes to trip a 32A breaker. This is why RCD protection is now required on most domestic circuits.

An RCBO combines both functions in one device, which is why modern consumer units often use them — an RCD fault then trips only the affected circuit rather than half the house.

Test RCDs quarterly using the test button. Electrical work should be done by a qualified electrician.

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