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The below products are available to businesses registered in England, Scotland or Wales.
Interest rates are subject to variation. Gross Rate - the interest rate you are paid without the deduction of UK income tax. Annual Equivalent rate (AER) - this is a notional rate of interest used for interest bearing accounts, which illustrates the rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.
App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries.
Find the best business savings account for you
The best business savings account for you will depend on the type of business you run and what you want to get from your savings. As a UK business, you’ll often face a few challenges and setbacks, and having business savings in reserve can help during those periods.
You’ll want to consider what your savings goals are, how much you want to save, and any benefits each account offers. Below, we break down our accounts features first, so you can better understand what works for you.
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If you already have a savings account with NatWest, and you are impacted by a rate change, you will receive a notice from us in due course. The notice will tell you when the rate change takes effect.
Get instant access to your savings
1.26% - 1.71% AER p.a (variable)
- 1.25% - 1.70% Gross p.a (variable)
- Instant access to your savings - no notice required to withdraw
- Interest rates vary based on the amount deposited
- Manage your account via our mobile app, online or by phone
Note: The interest rate on this account will change to 1.11% - 1.71% AER / 1.10% - 1.70% Gross p.a (variable) on the 24th April 2025.
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Earn more interest with our 35-day notice account
2.75% AER p.a (variable)
- 2.72% Gross p.a (variable)
- Higher interest rates than our instant access account
- 35 days notice required to withdraw
- No minimum or maximum balance
- Manage your account via our mobile app, online or by phone
Note: The interest rate on this account will change to 2.50% AER / 2.47% Gross p.a (variable) on the 24th April 2025.
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Our best notice account business savings rate
3.49% AER p.a (variable)
- 3.44% Gross p.a (variable)
- Higher interest rates than our instant access or 35-day notice accounts
- 95 days notice required to withdraw
- No minimum or maximum balance
- Manage your account via our mobile app, online or by phone
Note: The interest rate on this account will change to 3.25% AER / 3.20% Gross p.a (variable) on the 24th July 2025.
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Treasury Reserve
Fixed interest rate, earned daily and paid at maturity
- We'll agree the interest rate when your account is opened
- Flexible savings terms, up to one year (minimum balances apply)
- Early withdrawals not permitted
- No maximum balance
- Manage your account by phone
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Client Deposit Manager
Access anytime and earn interest on your client's money
- Instant access to funds
- Interest paid quarterly
- Manage separate accounts for each client
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Clients' Monies Service
A smart, efficient way to manage third-party funds
- Secure real-time online transactions for client funds
- On-hand support when you need it
- Only used for managing client funds
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Business Currency Reserve
- Commonly used for making payments worldwide and improving the return of your currency business savings
- Interest rates to reflect the size of your balance
- Minimum deposit required to open the account
- Transfer money electronically using Bankline
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Opening a savings account? You could switch your business account too
By completing a full switch using the Current Account Switch Service (CASS), you could also get 2 years' free banking on everyday transactions. Sound good? Learn about switching to NatWest.
Business bank accounts are available to eligible customers who are over 18. Specific account and service eligibility criteria apply.
Your business's projected or existing annual turnover must be below £2m.
The switch will have to be from an eligible business bank account to a NatWest business bank account.
Switch offer is not available to customers switching a Royal Bank of Scotland or Ulster Bank business current account to NatWest.
Not currently available for Mettle accounts. Free banking means the charges for the day to day running of your account (known as your service charges) won’t apply during the free banking period. Charges for unarranged overdrafts, Bankline, international payments and any additional services are not part of the free banking offer. At the end of the free banking period, you’ll be automatically moved to the Standard Tariff.