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Business savings accounts

Start saving for your business's future today

Plan for your business's future with the right savings account

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Business Reserve

Access your funds anytime and earn interest when you save

Commonly used for:

  • Surplus cash and want to improve the return on it but still be able to access it without notice
  • Managing separate funds on a day to day basis for your savings
  • Accessing to your business savings instantly 

Key info
  • Access to Funds: Instant 
  • Interest Calculation: Daily, paid monthly
  • No minimum or maximum balance 
  • Account can be managed via Telephone or Online Banking
Interest rate

AER/Gross p.a (variable)

1.46% / 1.45% on balances up to £999,999

AER/Gross p.a (variable)

1.71% / 1.70% on balances from £1m to £9,999,999

AER/Gross p.a (variable)

1.92% / 1.90% on balances over £10,000,000

Liquidity Manager Notice Account

Lock your funds away for 35 or 95 days at a time

Commonly used for: 

  • Surplus cash and you want to improve the return where you don’t need immediate access to funds
  • Looking for a better rate of return compared to our instant access account 

Key info
  • Access to Funds: 35 or 95 Day Notice required  
  • Interest Calculation:  Daily, paid monthly
  • No minimum or maximum balance 
  • Account can be managed via Telephone or Online Banking
Interest rate

AER/Gross p.a (variable)

3.25% / 3.20% On 35 Day Notice Accounts

AER/Gross p.a (variable)

4.25% / 4.17% On 95 Day Notice Accounts

Treasury Reserve

Save more for longer for greater returns

Commonly used for: 

  • Fixing your interest rate and watching your savings grow.
  • Locking away your spare cash from overnight, for up to 12 months, for an even better interest rate
  • Certainty on what interest you'll earn on your savings

Key info
  • Access to Funds: Early withdrawals not permitted
  • Interest Calculation: Daily, paid at maturity
  • Minimum Balance of £100k 
  • Account cannot be viewed online
  • Fixed interest rates linked to the London money market
  • We will agree the interest rate with you when you open your account. 

Client Deposit Manager

Access anytime and earn interest on your client's money

Commonly used for: 

  • Efficiently managing third party funds on behalf of your clients
  • Managing separate accounts for each client or have just the one
  • Accessing to your business savings instantly

Key info
  • Access to Funds: Instant 
  • Interest Calculation : Daily, paid quarterly
  • No minimum or maximum balance
  • Account can be managed via Telephone or Online Banking
Interest rate

AER/Gross p.a (variable)

1.46% / 1.45% on balances up to £999,999

AER/Gross p.a (variable)

1.71% / 1.70% on balances from £1m to £9,999,999

AER/Gross p.a (variable)

1.91% / 1.90% on balances over £10,000,000

Client Account Manager

Our new automated payments tool Client Account Manager (CAM), is a smart, fast and easy way to manage third-party funds

Commonly used for:

  • A safe access to your client’s separate accounts
  • Making reconciliation easier
  • Meeting your regulatory obligations

Key info
  • Regulated companies only 
  • 25 client accounts or minimum balance of £300k
  • Only use your account for managing your clients' monies
  • Client Account Manager is accessed via Bankline
  • You can manage how interest is paid to your clients with the option to include flexible interest agreements at an aggregation or client account level

Useful info about our business deposit accounts

Do I need to be a NatWest customer to apply?

No, you are not required to open or maintain a business current account with us in order to obtain or manage a business deposit account.

Can I switch banks after taking out a Deposit product?

You are able to switch your Business Current Account or your business banking to another provider while retaining your deposit product with us.

Manage your business savings account

Helping you get more from your savings account with helpful information on managing your account, interest rates, online and mobile banking, additional products and more.  

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