Compare instant, fixed and ISA saving accounts

Ready to start saving or investing? We have a choice of 8 accounts which could suit your needs.

Fixed Rate ISA

Save for a fixed term from £1,000

  • 4.25% AER / Tax Free p.a. (fixed) when you fix for 1 year, or 4.25% AER / Tax Free p.a. (fixed) if you fix for 2.
  • Get interest paid annually on your savings.

You must be 18 or over and a UK resident for tax purposes. You can only subscribe to one cash ISA with NatWest Bank in this tax year up to £20,000. Not eligible for Round Ups. Early closure charges may apply.

Digital Regular Saver

Build your savings pot in a way that suits you

  • 5.25% / 5.13% AER / Gross p.a, (variable) on balances up to £5,000, when you save between £1-£150 every month.
  • Get interest paid monthly on your savings.

Lower interest rates apply for balances over £5,000.

Exclusively for current account customers, aged 16 and over. UK residents only. 

Fixed Term Savings

Lock away your savings

  • 1 year terms - 4.11% / 4.03% AER / Gross p.a. (fixed) on balances between £1 - £99,999
  • 1 year terms - 4.20% / 4.12% AER / Gross p.a. (fixed) on balances between £100,000 - £3,000,000
  • 2 year terms - 4.15% / 4.07% AER / Gross p.a. (fixed) on balances between £1 - £99,999
  • 2 year terms - 4.25% / 4.17% AER / Gross p.a. (fixed) on balances between £100,000 - £3,000,000

You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups. Interest paid monthly on your savings, as well as at maturity

Cash ISA

Tax-free allowance with instant access

  • 1.15% / 1.14% AER / Tax Free  p.a. (variable) for balances from £1 up to £24,999 and 2.45% / 2.42% AER / Tax Free p.a. (variable) for balances from £25,000.
  • Get interest paid monthly on your savings.

You must be 18 or over, a UK resident for tax purposes and be an existing NatWest current account customer. You can only subscribe to one cash ISA with NatWest Bank in this tax year up to £20,000. Not eligible for Round Ups.

Flexible Saver

Save regularly, accessing your money anytime

  • 1.00% / 1.00% AER / Gross p.a (variable) on balances between £1 - £24,999. Higher interest rates apply for balances from £25,000.
  • Get interest paid monthly on your savings.

Exclusively for current account customers, aged 16 and over.

Defined Access Saver

Earn a higher interest rate on your savings when you make 3 or less withdrawals in a calendar year

  • 2.50% / 2.47% AER/Gross p.a. (variable) when you make 3 or fewer withdrawals
  • 1.04% AER/Gross p.a. (variable) when you make 4 or more withdrawals
  • Have instant access to your savings
  • Top up with Round Ups. Criteria apply.

Must be 18+ and a UK resident. Interest paid monthly.

Stocks & Shares ISA

Investments are made simple with a stocks and shares individual savings account

  • Help you meet your long term financial goals 
  • Make the most of tax-efficient investing
  • Help protect your money from the effects of inflation.
  • Start investing from £50 and invest up to £20,000 in the current tax year

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

First Saver

Our children's savings account, teaching kids under-16 to save for their future

  • 1.60% / 1.59% AER / Gross p.a. (variable) on balances of £1+ whilst you are holding an account in trust for a child under 16. 
  • Top up with Round Ups.

Eligibility criteria and conditions apply. Interest is calculated daily and paid quarterly on the first business day in January, April, July and October and at account closure.