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Grow your savings tax-free with a Fixed Rate ISA
Use your £20,000 ISA allowance to lock in a fixed rate and grow your savings tax free.
Minimum deposit £1,000
Interest paid annually and at maturity
Fix your savings interest rate so you know the amount of interest you'll get paid.
One and two year Fixed Rate ISA rates
- Fix for one year and earn 4.25% AER/tax free p.a. (fixed)
- Fix for two years and earn 4.25% AER/tax free p.a. (fixed)
Available to new customers until 5pm on 17 June 2026. Available to existing customers until 22 June 2026. Please note that these issues may be withdrawn early due to limited availability.
Information Message
Information Message
No withdrawals or deposits during the term. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. Early closure fees may apply. You must be a UK resident aged 18+. T&Cs apply. Tax free interest means interest payable is exempt from UK income tax. Tax reliefs referred to are those applied under current UK legislation, which may change.
Guaranteed interest rate with a Fixed Term Savings account
Used all of your annual ISA allowance but still want to fix your savings? Guarantee your return with our fixed term, fixed rate savings account.
Minimum deposit £1
Interest paid monthly and at maturity
Fix your savings pot on balances between £1 - £3,000,000.
One and two year Fixed Term Savings Account rates
- Fix for one year and earn 4.00% / 3.93% AER / Gross p.a. (fixed) on balances between £1 - £3,000,000.
- Fix for two years and earn 4.00% / 3.93% AER / Gross p.a. (fixed) on balances between £1 - £3,000,000.
Available until 5pm on 01 July 2026 for new customers and 06 July 2026 for existing customers. Please be aware that this offer can be withdrawn at any time.
Information Message
Information Message
To apply, you must be 16+ and a UK resident. T&Cs apply. Early closure charges may apply.
Keep flexibility with our Defined Access Saver
Earn a higher interest rate when you make 3 or less withdrawals in a calendar year.
Save between £1 and £3,000,000
Interest paid monthly
Instant access to your savings
Defined Access Saver rates:
- 2.50% / 2.47% AER/gross p.a.(variable) when you make 3 or fewer withdrawals in a calendar year.
- 1.04% AER/gross p.a. (variable) when you make 4 or more withdrawals in a calendar year
Information Message
Information Message
To apply, you must be 18+ and a UK resident. T&Cs apply. If you withdraw money 4 times or more, your interest rate will go down to the lower rate for the rest of the year. It will automatically reset to the higher rate on the 1st January the following year.
Financial Services Compensation Scheme
Your eligible deposits held by a UK establishment of NatWest are protected up to a total of £120,000, by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered. Read the FSCS Leaflet (PDF, 3.7 MB) to find out more about the scheme and how it protects your money.
Eligible investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). This means if NatWest were to cease trading, your money is protected. This doesn't include losses made as a result of investing. How is my money protected?