A strategic solution for managing surplus liquidity with certainty.
Overlay
Deposits
Treasury Reserve Term Deposit
How we could help your business
For treasury teams seeking to optimise returns on excess cash while maintaining capital security, NatWest’s fixed term deposits offer a dependable and transparent solution. Designed to support your organisation’s liquidity strategy, these deposits provide a guaranteed return over a fixed term, helping you plan with confidence.
Key benefits for treasury professionals
Predictable yield
Lock in a fixed interest rate with rates linked to the London money market for the duration of the term, enabling accurate forecasting and budget certainty.
Capital preservation
Your principal is protected, making this a low-risk option for holding reserves outside of operational liquidity.
Liquidity planning
Choose from a range of tenors to align with your cash flow forecasts and liquidity laddering strategies.
No market volatility
Fixed returns mean your deposit is insulated from interest rate fluctuations and market movements.
What are the interest rates on this savings product?
We will agree the interest rate with you when you first set up your treasury reserve. The interest rate is fixed and paid at the end of the agreed term, or one year after you open your treasury reserve deposit.
You should be aware that you cannot withdraw funds from a treasury reserve deposit during the term. If, due to exceptional circumstances, you terminate the account early, break fees may apply and your payment of interest may be reduced.
Breakage costs will be calculated at the market rate at the time of breakage.
Check out the treasury reserve fact sheets:
