Compare interest rates and features to find the best savings account for you. Learn how to save with NatWest.
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Choose which savings account is best for you
Life is full of big moments, so putting savings aside regularly could help you get ready. Just remember that there’s no one-size-fits-all. The top savings accounts for you depend on your needs and priorities.
Whatever the goal, we could have a NatWest savings account or investment account for you. We’ve made it simple to compare savings accounts below.
Fixed Rate ISA
Use your £20,000 ISA allowance to lock in a fixed rate and grow tax-free.
Use this fixed-interest savings account to:
- Save for a fixed term of 1 or 2 years - £1,000 min deposit
- Fix ISA savings rates, so you know the amount of interest you’ll get paid
- Get interest paid on your savings annually
Information Message
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 any tax year up to £20,000. Minimum £1,000 deposit. Not eligible for Round Ups. Early closure charges may apply. Interest paid annually.
Have ISA savings elsewhere?
Transfer ISAs from another provider using an ISA transfer.
Interest rate
AER / Tax-free p.a. (fixed)
4.25%
1 year term
4.25%
2 year term
Fixed Rate ISA
Use your £20,000 ISA allowance to lock in a fixed rate and grow tax-free.
Use this fixed-interest savings account to:
- Save for a fixed term of 1 or 2 years - £1,000 min deposit
- Fix ISA savings rates, so you know the amount of interest you’ll get paid
- Get interest paid on your savings annually
Information Message
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 any tax year up to £20,000. Minimum £1,000 deposit. Not eligible for Round Ups. Early closure charges may apply. Interest paid annually.
Have ISA savings elsewhere?
Transfer ISAs from another provider using an ISA transfer.
Interest rate
AER / Tax-free p.a. (fixed)
4.25%
1 year term
4.25%
2 year term
Digital Regular Saver
Join over 1.5 million NatWest customers* who save every month with our regular savings account.
Information Message
Exclusively for current account customers, aged 16 and over. UK residents only. Interest paid monthly.
Key info
Instant access savings account.
Save between £1 - £150.
Apply online in only 5 minutes.
Interest rate
AER / Gross p.a. (variable)
5.25% / 5.13%
balances up to £5,000
1.00% / 1.00%
balances over £5,000
Digital Regular Saver
Join over 1.5 million NatWest customers* who save every month with our regular savings account.
Information Message
Exclusively for current account customers, aged 16 and over. UK residents only. Interest paid monthly.
Key info
Instant access savings account.
Save between £1 - £150.
Apply online in only 5 minutes.
Interest rate
AER / Gross p.a. (variable)
5.25% / 5.13%
balances up to £5,000
1.00% / 1.00%
balances over £5,000
Fixed Term Savings
Put your money away for your future with our fixed term, fixed rate savings account.
Here’s how this account could help you to save:
- Fix your savings account’s interest rates, so you know the amount of interest you’ll get paid
- Have interest paid monthly on your savings, as well as at maturity
- Choose a term that will suit you – for either 1 or 2 years.
Information Message
You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups.
Key info
Fix your savings pot on balances between £1 - £3,000,000.
Terms of 1 or 2 years.
£1 min. deposit.
Interest rate
AER / Gross p.a. (fixed)
4.11% / 4.03%
1 year term on balances between £1 - £99,999
4.20% / 4.12%
1 year term on balances between £100,000 - £3,000,000
4.15% / 4.07%
2 year term on balances between £1 - £99,999
4.25% / 4.17%
2 year term on balances between £100,000 - £3,000,000
Fixed Term Savings
Put your money away for your future with our fixed term, fixed rate savings account.
Here’s how this account could help you to save:
- Fix your savings account’s interest rates, so you know the amount of interest you’ll get paid
- Have interest paid monthly on your savings, as well as at maturity
- Choose a term that will suit you – for either 1 or 2 years.
Information Message
You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups.
Key info
Fix your savings pot on balances between £1 - £3,000,000.
Terms of 1 or 2 years.
£1 min. deposit.
Interest rate
AER / Gross p.a. (fixed)
4.11% / 4.03%
1 year term on balances between £1 - £99,999
4.20% / 4.12%
1 year term on balances between £100,000 - £3,000,000
4.15% / 4.07%
2 year term on balances between £1 - £99,999
4.25% / 4.17%
2 year term on balances between £100,000 - £3,000,000
Cash ISA
Use your £20,000 ISA allowance and keep access to your money when you need it.
Use this individual savings account to:
- Make the most of your tax-free savings allowance - start with just £1
- Have instant access to your savings
- Get interest paid monthly on your savings.
Information Message
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 any tax year up to £20,000. Interest paid monthly. Not eligible for Round Ups.
Have ISA savings elsewhere?
Transfer ISAs from previous tax years and earn our higher rate on £25,000+ using an ISA transfer.
Interest rate
AER / Tax-free p.a. (variable)
1.15% / 1.14%
balances of £1 - £24,999
2.45% / 2.42%
balances of £25,000+
Cash ISA
Use your £20,000 ISA allowance and keep access to your money when you need it.
Use this individual savings account to:
- Make the most of your tax-free savings allowance - start with just £1
- Have instant access to your savings
- Get interest paid monthly on your savings.
Information Message
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 any tax year up to £20,000. Interest paid monthly. Not eligible for Round Ups.
Have ISA savings elsewhere?
Transfer ISAs from previous tax years and earn our higher rate on £25,000+ using an ISA transfer.
Interest rate
AER / Tax-free p.a. (variable)
1.15% / 1.14%
balances of £1 - £24,999
2.45% / 2.42%
balances of £25,000+
Flexible Saver
Save on your terms with our instant access savings accounts – you can set aside what’s best for you.
Use this savings account to:
- Save regularly, accessing your money any time
- Get interest paid monthly on your savings
- Earn higher interest when saving £25,000 and over
- Top up your savings with Round Ups.
Information Message
Exclusively for current account customers, aged 16+ who are UK residents. Interest paid monthly.
Key info
Instant access savings account.
Start with just £1.
Interest rate
AER / Gross p.a. (variable)
1.00% / 1.00%
balances up to £24,999
1.35% / 1.34%
balances of £25,000 - £99,999
1.60% / 1.59%
balances of £100,000 - £249,999
2.10% / 2.08%
balances of £250,000+
Flexible Saver
Save on your terms with our instant access savings accounts – you can set aside what’s best for you.
Use this savings account to:
- Save regularly, accessing your money any time
- Get interest paid monthly on your savings
- Earn higher interest when saving £25,000 and over
- Top up your savings with Round Ups.
Information Message
Exclusively for current account customers, aged 16+ who are UK residents. Interest paid monthly.
Key info
Instant access savings account.
Start with just £1.
Interest rate
AER / Gross p.a. (variable)
1.00% / 1.00%
balances up to £24,999
1.35% / 1.34%
balances of £25,000 - £99,999
1.60% / 1.59%
balances of £100,000 - £249,999
2.10% / 2.08%
balances of £250,000+
Defined Access Saver
Earn a higher interest rate on your savings when you make 3 or less withdrawals in a calendar year.
Use this savings account to:
- Benefit when you keep your money in your account
- Build an emergency savings fund you can dip into when you need to
- Have instant access to your savings
- Top up with Round Ups. Criteria apply.
Information Message
Must be 18+ and a UK resident. Interest paid monthly.
Key info
Start saving with no minimum deposit
Save between £1 and £3,000,000
Higher interest for up to 3 withdrawals a year
More withdrawals? Don't worry, your rate will automatically reset in January next year
Interest rate
AER / Gross p.a. (variable)
2.50% / 2.47%
3 or fewer withdrawals
1.04%
4 or more withdrawals
Defined Access Saver
Earn a higher interest rate on your savings when you make 3 or less withdrawals in a calendar year.
Use this savings account to:
- Benefit when you keep your money in your account
- Build an emergency savings fund you can dip into when you need to
- Have instant access to your savings
- Top up with Round Ups. Criteria apply.
Information Message
Must be 18+ and a UK resident. Interest paid monthly.
Key info
Start saving with no minimum deposit
Save between £1 and £3,000,000
Higher interest for up to 3 withdrawals a year
More withdrawals? Don't worry, your rate will automatically reset in January next year
Interest rate
AER / Gross p.a. (variable)
2.50% / 2.47%
3 or fewer withdrawals
1.04%
4 or more withdrawals
First Saver
Our children’s savings account, teaching kids under-16 to save for their future.
Use this savings account to:
- Help children learn how to save
- Earn interest on their pocket money
- Top up with Round Ups.
Information Message
Eligibility criteria and conditions apply. Interest is paid quarterly on the first business day in January, April, July and October and at account closure.
Key info
Instant access savings account.
Apply online in 5 minutes.
Kids saving accounts are to be opened by a parent/guardian in trust for a child who is under 16 years old.
Interest rate
AER / Gross p.a. (variable)
1.60% / 1.59%
balances of £1+
First Saver
Our children’s savings account, teaching kids under-16 to save for their future.
Use this savings account to:
- Help children learn how to save
- Earn interest on their pocket money
- Top up with Round Ups.
Information Message
Eligibility criteria and conditions apply. Interest is paid quarterly on the first business day in January, April, July and October and at account closure.
Key info
Instant access savings account.
Apply online in 5 minutes.
Kids saving accounts are to be opened by a parent/guardian in trust for a child who is under 16 years old.
Interest rate
AER / Gross p.a. (variable)
1.60% / 1.59%
balances of £1+
Compare accounts with our savings calculator
Compare accounts with our savings calculator
Enter a few details to calculate interest on savings and get an idea of what your balance could look like.
Information Message
Our calculations are done with today's interest rates - these could change in the future. The projected balances below assume you won't withdraw any money.
Applicable savings accounts:
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Saving
- Savings are dependable, predictable and relatively easy to access.
- If you know you’ll need a set amount of money in the next 12 months, regularly depositing in a savings account may be the best solution.
- Savings grow over time as more money is put away and your balance earns interest.
Information Message
Investing
- Investing has the potential to grow your money if you’re saving for a longer-term goal – typically five years or more.
- It could help protect your buying power from the effects of inflation.
- 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.
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Saving guides for new customers
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Already have a NatWest saving account?
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Savings accounts – FAQs
Manage your existing savings account
See how you can use our Savings Goal Tool via your mobile app, plus other top tips to help you save.
Log in, manage or close your savings account.
Learn more about your Personal Savings Allowance.
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.
Investments through NatWest Invest may also be covered by the Financial Services Compensation Scheme in some scenarios. You can find out more here.