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Business Reserve Instant Access Savings Account

Get instant access to your savings with the NatWest Business Reserve account.

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What is it? Open in new window
What are the interest rates? Open in new window
Still got questions? Open in new window
Start your application now Open in new window

Maximum flexibility with an instant access savings account

  • Earn interest on money your business doesn't need right now
  • Add or withdraw funds any time - no penalties
  • Save as much as you want - no minimum or maximum balance

If you already have a Business Reserve 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.

1.26% AER p.a (variable)

1.25% Gross p.a (variable)

On balances £0 - £999,999

Note: The interest rate on this account will change to 1.11% AER / 1.10% Gross p.a (variable) on the 24th April 2025.

Information Message

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1.51% AER p.a (variable)

1.50% Gross p.a (variable)

On balances from £1M - £9,999,999

Information Message

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1.71% AER p.a (variable)

1.70% Gross p.a (variable)

On balances over £10M

Information Message

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Interest Rates

Balance

£0-£999,999
£1m - £9,999,999
£10m+
£0-£999,999

AER %

1.26%
1.51%
1.71%
1.11%

Gross Rate %

1.25%
1.50%
1.70%
1.10%

Rate valid from

24th January 2025
24th January 2025
24th January 2025
24th April 2025
All interest rates shown are per year. We calculate interest on a daily basis using the gross rate, and apply it on the last business day of each month. The interest rates on these accounts is variable, which means it could go up or down. For both AER and the gross rate, we don’t take into account any tax or charges you might have to pay.
Check historical rates on our previous interest rates page

Important things to know

Am I eligible?

You can apply for a Business Reserve instant access account if you have a business registered in England, Scotland, or Wales.

 

Get the facts

Business Reserve fact sheet (PDF, 968 KB)

Business Reserve information sheet (PDF, 725 KB)

Business Account Terms (PDF, 255 KB)

 

Need help?

Visit our support centre for infomation on how to contact us.

 

Apply for a Business Reserve instant access savings account

Let's get started...

Continue
Are you...
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Is your business turnover...
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Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.
Previous
Next

Please apply for a Client Deposit Manager account

Client Deposit Manager allows you to set up separate accounts for each of your clients or run a single account for all your client funds. Visit the link below to find out more.

Discover Client Deposit Manager

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You can apply online

This is the fastest way to complete your application.

  1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity
  2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.
  3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

 

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. Scheduling an appointment may take a few days, and the appointment itself can last up to an hour. 

Once you finish the call, you’ll need to either bring your documents to our branch or use a professional service provider for identity verification. 

If you're looking for a quicker option, we recommend applying online.

Previous
Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.
Previous
Next

Please apply for a Client Deposit Manager account

Client Deposit Manager allows you to set up separate accounts for each of your clients or run a single account for all your client funds. Visit the link below to find out more.

Discover Client Deposit Manager

Previous

You can apply online

This is the fastest way to complete your application.

  1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity
  2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.
  3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

 

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. Scheduling an appointment may take a few days, and the appointment itself can last up to an hour. 

Once you finish the call, you’ll need to either bring your documents to our branch or use a professional service provider for identity verification. 

If you're looking for a quicker option, we recommend applying online.

Previous
Are you a Business or Commercial customer?
Previous
Next
Is the savings account for...
Previous
Next
Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.
Previous
Next

Please apply for a Client Deposit Manager account

Client Deposit Manager allows you to set up separate accounts for each of your clients or run a single account for all your client funds. Visit the link below to find out more.

Discover Client Deposit Manager

Previous

You can apply online

This is the fastest way to complete your application.

  1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity
  2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.
  3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

 

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. Scheduling an appointment may take a few days, and the appointment itself can last up to an hour. 

Once you finish the call, you’ll need to either bring your documents to our branch or use a professional service provider for identity verification. 

If you're looking for a quicker option, we recommend applying online.

Previous
Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.
Previous
Next

Please apply for a Client Deposit Manager account

Client Deposit Manager allows you to set up separate accounts for each of your clients or run a single account for all your client funds. Visit the link below to find out more.

Discover Client Deposit Manager 

Previous

Please take some time to review the important info

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

Previous
Next
I have reviewed, and printed/or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet.
Previous
Next

Thanks! Looks like you’re all set and ready to begin

Start your Business Reserve application now

Previous

Please ensure you have reviewed, and printed or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet

Previous
Is the savings account for...
Previous
Next
Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.
Previous
Next

Please apply for a Client Deposit Manager account

Client Deposit Manager allows you to set up separate accounts for each of your clients or run a single account for all your client funds. Visit the link below to find out more.

Discover Client Deposit Manager

Previous

You can apply online

This is the fastest way to complete your application.

  1. We may use Mitek, formerly HooYu, our trusted online identification and security partner, to check your identity
  2. To see which documents are accepted for proof of identity and address you can visit our Mitek page.
  3. Once we receive all your information, we'll review the application and will be in touch.

By starting your application online, you consent to the following:

  • Identity verification using our security partner Mitek.
  • A credit check on everyone on your application.

 

Apply by phone

 

Can’t apply online? You can complete your application via phone – discover how you can get in touch. Scheduling an appointment may take a few days, and the appointment itself can last up to an hour. 

Once you finish the call, you’ll need to either bring your documents to our branch or use a professional service provider for identity verification. 

If you're looking for a quicker option, we recommend applying online.

Previous
Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.
Previous
Next

Please apply for a Client Deposit Manager account

Client Deposit Manager allows you to set up separate accounts for each of your clients or run a single account for all your client funds. Visit the link below to find out more.

Discover Client Deposit Manager

Previous

Please take some time to review the important info

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

Previous
Next
I have reviewed, and printed/or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet.
Previous
Next

Thanks! Looks like you’re all set and ready to begin

If you have Online Banking, Cora can open an additional account at your request, for any account types you already have.

Log in to Online Banking, click ‘Need help’ then ‘Chat now’. Or if you’re using the mobile app, tap ‘Help’, then ‘Chat to Cora’ and ask Cora to ‘open an additional account’. She’ll take the details and process your request.

If you don’t have Online Banking or the mobile app you can download the PDF form below to open additional accounts for businesses that we already hold accounts for.

To download the form:

  • Download Adobe Acrobat Reader (free download)
  • Right-click the link below and select 'save as' to download it to your computer (not a phone or tablet)
  • Right-click the form in its saved location and select 'Open with Adobe Acrobat Reader’

Download additional account form (PDF)  

(The form will not open in your browser. Please follow the instructions above.)

Please return the completed form to your dedicated service team.

Previous

Please ensure you have reviewed, and printed or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet

Previous

I don't know if I'm a Business or Commercial customer...

You are likely a Business customer if: 

  • Your turnover is generally £2M or below annually 
  • Your day to day contact team is Businessline - 03457 11 44 77

You are likely a Commercial customer if: 

  • Your turnover is generally over £2m annually 
  • Your day to day contact team is your Customer Service Team 

If you’re still not sure whether you’re a Business or Commercial customer then you can contact us for some help:

Start a chat with our virtual assistant Cora. Cora will gather a few details then get you to a member of the team who'll be happy to help. 

Or give us a call on: 

0345 711 4477

18001 0345 711 4477 (Relay UK)

0044 870 511 4477 (from overseas)

Our opening hours are Monday- Friday 8am-7pm and Saturday 9am-3pm.

Previous
Chat to Cora

Something else we can help you with?