30 Day Bonus Reserve
Earn a bonus if you limit your withdrawals
Prefer not to dip into your savings? This notice account gives you a bonus if you limit your withdrawals.
Why choose a 30 Day Bonus Reserve account?
Annual bonus of 0.50% – if you make no more than four withdrawals over a year
30 days' notice – this is the amount of notice you need to give us if you want to make a withdrawal
Instant access possible - although you will be charged the equivalent of 30 days' interest
£2,000 to open – with no maximum balance
Get the savings habit - it's easy to set up a Standing Order into your savings account
Phone, in-branch and online – manage your savings account your way
Annual interest – paid at the end of March directly into your account, or another NatWest account you hold at the same branch
Fast transfers – it's quick and easy to move money from your other NatWest accounts to your savings account
This page provides the current interest rates that apply to this account. We have a separate page for previous savings interest rates.
Full copies of the fees and rates, and terms and conditions that apply to our personal accounts can be downloaded for our terms and conditions page.
Common definitions
Annual Equivalent Rate (AER). This is a notional rate used for interest bearing accounts which illustrates what the interest would be if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.
Gross Rate. This means the interest rate you are paid before the deduction of income tax.
Net Rate. This means the interest rate you are paid after the deduction of income tax.
Current savings rates
Excluding Bonus
| Balance | AER (variable) | Gross Rate | Net Rate |
|---|---|---|---|
| £100,000+ | 0.40% | 0.40% | 0.32% |
| £2,000 - £99,999 | 0.25% | 0.25% | 0.20% |
| £1 - £1,999 | 0.10% | 0.10% | 0.08% |
Interest paid annually.
Note: withdrawals require 30 day notice
Last updated on: 24 Jul 2009.
Including Bonus
| Balance | AER (variable) | Gross Rate | Net Rate |
|---|---|---|---|
| £100,000+ | 0.90% | 0.90% | 0.72% |
| £2,000 - £99,999 | 0.75% | 0.75% | 0.60% |
| £1 - £1,999 | 0.10% | 0.10% | 0.08% |
Interest paid annually.
Annual bonus amount - 0.50% (gross per annum)
Last updated on: 24 Jul 2009.
Important information
You can download terms and conditions for NatWest current accounts and savings accounts and information on fees and charges as PDFs.
We sometimes allow savings accounts to be operated in a way which enables the customer to give instructions for a withdrawal or other payment which cannot be met from the funds in the account. If this happens, we may apply charges to the account. Please read our leaflet Personal and Private Banking - A Guide to Fees and Interest which contains details of these charges.
NatWest Personal and Private Banking - Terms and Conditions (PDF 330KB)
NatWest Personal and Private Banking - A Guide to Fees and Interest (PDF 225KB)
You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com.
Online banking: The easy way to manage your savings
Manage your 30 Day Bonus Reserve account online and saving becomes even easier. Online banking makes it simple to top up your account with money from your other NatWest accounts.
Open all hours
Why ruin your lunch hour? With online banking, you can sort your account anytime - at home or at work.
Set a savings goal
A new car, holiday or a deposit on your first home? Whatever you're planning for, it's easy to set a savings goal - and track exactly how you're doing.
Do more, do it faster
Check your latest transactions as soon as you log in. Search through transactions - going back up to seven years. Or simply check your interest rate. With online banking, it's easy.
Transfer money between your accounts
So you need to move money between your NatWest accounts? It's easy. Just use the 'Quick transfer' box - we'll take care of the rest.
Safe and sound
Our security includes fraud detection, Rapport software for your computer and an easy-to-use Card-Reader. So your money stays safe.
Seeing 30 Day Bonus Reserve in online banking
Already bank online?
If you already bank online with NatWest you should automatically see your 30 Day Bonus Reserve account once it has been fully opened.
Not yet signed up to online banking?
It’s easy. You’ll be given the opportunity to sign up when applying for a 30 Day Bonus Reserve account.
Already have a 30 Day Bonus Reserve account?
If you’ve already got a 30 Day Bonus Reserve account, but not online banking, signing up is simple and you could get instant access. Sign up now if you already have a 30 Day Bonus Reserve account.
Apply now
Call us on
0800 148 8325
Minicom
0800 917 0526
Lines are open: Mon to Fri 8am-8pm, Sat 9am-6pm
(excl. public holidays).
Calls may be recorded
