Make the most of your allowance
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Make each day count. Explore our tax-efficient ISAs
You must be a UK resident aged 18+. You can only subscribe to one cash ISA with NatWest in current tax year (2025/26) up to £20,000. Tax free interest means interest payable is exempt from UK income and Capital Gains Tax. Tax reliefs referred to are those applied under current UK legislation, which may change.
ISAs explained
Looking to understand more about Individual Savings Accounts (ISAs)? You're not alone.
With that in mind we've put together a video explaining how ISAs work and how to take advantage of your £20,000 ISA allowance.
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Explore our tax-efficient cash and investment ISA options
Whether you're looking for safer cash ISAs or growth-oriented investment ISAs, we have options to fit your saving style. Discover flexible solutions that could help you achieve your financial goals.
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You must be a UK resident aged 18+. Eligibility criteria and fees apply.
Fixed Rate ISA
Minimum deposit £1,000
Fixed interest rate so you know how much interest you'll get paid
Save a lump sum for 1 or 2 years
Take advantage of your £20,000 tax-free savings allowance
Interest paid annually
One and two year Fixed Rate ISA rates
- Fix for one year and earn 3.80% AER/tax free p.a. (fixed)
- Fix for two years and earn 3.60% AER/tax free p.a. (fixed)
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Cash ISA
Start saving with £1
Instant access to your savings with tax-free benefits
Pay money in as you go
Tax-free interest on balances up to £20,000
Interest is calculated daily and paid monthly into your account
Cash ISA interest rates
- For balances up to £24,999 - earn 1.15% / 1.14% AER/tax-free p.a. (variable)
- For balances over £25,000 - earn 2.45% / 2.42% AER/tax-free p.a. (variable)
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Stocks and Shares ISA
Start investing from £50
Invest at a risk-level which suits your needs
The choice of five different risk levels to invest in
Low fees
Could help protect your money from the effects of inflation
- Our Stocks and Shares ISA endorsed as Which? Great Value.
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For Fixed Rate ISA no withdrawals or deposits during the term. Available to new customers until 5pm on 14 January 2026. Available to existing customers until 19 January 2026. Please note that these issues may be withdrawn early due to limited availability. 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.
For Stocks & Shares ISA: Over longer periods of time (five years or more), investments such as stocks, shares and funds, have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. There is a chance you may get back less than you put in. Ensure you have safety net savings before starting to invest. Eligibility criteria, fees and charges apply.
Help set your child up for success with Junior ISA
Invest on behalf of children aged 13 and under
Give your child a head start. Invest up to £9,000 per child tax-free for the current tax year (2025/26).
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You could win £10,000 or one of over 100 other cash prizes
- Set up a monthly investment of £50 into any NatWest Invest account; or
- Increase your existing monthly investment by £50
For a chance to win first prize of £10,000, 10 prizes of £1,000 and 100 of £100. Enter by 5pm on 5th October 2025.
T&Cs, fees and charges apply.
Want to transfer an ISA to us?
People tend to switch ISAs to take advantage of competitive rates, low fees or to bring all their ISAs together in one place.
Once you apply for an ISA, simply tell us where you want to transfer your ISA from, and we’ll take care of the rest.
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Who looks after my investments?
Coutts is one of the best-known private banks in the world. NatWest has partnered with them since 1969.
Your investments will be managed by the experts at Coutts & Co and invested in a range of other funds from leading investing managers to spread the risk.
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How is my money protected?
Eligible savings and investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). FSCS protects investments and savings with us up to £85,000. This means if NatWest Group were to cease trading, your money is protected.
This doesn’t include losses made as a result of investing.
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