Compare interest rates and features to find the best savings account for you. Learn how to save money with NatWest.
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We will soon be reducing some of our interest rates, see the changes here.
The switch worth making
Switch to NatWest and you could get £150 and access to a 12 month fixed bonus rate if you open a Digital Regular Saver account.
Offer available to new and existing customers who haven't previously received a switch offer and did not hold a NatWest current account or savings account as of 17 February 2026.
How to get £150
1. Open a current account and switch to us
- Apply for a Select or Reward account and request to switch an account with another bank to us using the Current Account Switch Service by 28 May 2026.
- Your switch must be completed by 16 June 2026.
2. Within 60 days of switching
- Pay in £1,250 - This can be made of multiple payments and must remain in the account for 24 hours.
- Log in to our mobile app - This can be done on any device that supports the NatWest mobile banking app.
3. You're all set
When you've met these conditions, we'll pay £150 into your eligible account within 30 days.
How to unlock our bonus rate
Once you've opened your current account, you must open a Digital Regular Saver by 16 June 2026. To be eligible for the bonus rate, you need to complete your switch to us.
- 7% AER
This includes 5.25% / 5.13% AER/Gross p.a. (variable) on balances up to £5k plus a conditional bonus of 1.75% (fixed) for 12 months. Interest paid monthly. - 1.00% AER/Gross p.a. (variable) on balances over £5,000.
There’s no need to wait for your £150 incentive to be paid.
Why choose a Digital Regular Saver?
- Save between £1 and £150 each month - you're in control.
- Instant access to your savings whenever you need them.
- Perfect for building regular savings habits, whether you're starting small or levelling up your savings goals.
Fixed Rate ISA
Do you have a lump sum to start saving with? With a Fixed Rate ISA, there’s no tax on savings interest.
Use this fixed-interest savings account to:
- Save for a fixed term of 1 or 2 years
- Fix ISA savings rates, so you know the amount of interest you’ll get paid
- Get interest paid on your savings annually
- Take advantage of your tax-free savings allowance.
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. Not eligible for Round Ups.
Key info
Tax-free interest.
Terms of 1 or 2 years.
£1,000 minimum deposit.
Interest rate
AER / Tax-free p.a. (fixed)
3.50%
1 year term on balances between £1,000 - £24,999
3.70%
1 year term on balances £25,000+
3.30%
2 year term on balances between £1,000 - £24,999
3.50%
2 year term on balances £25,000+
Fixed Rate ISA
Do you have a lump sum to start saving with? With a Fixed Rate ISA, there’s no tax on savings interest.
Use this fixed-interest savings account to:
- Save for a fixed term of 1 or 2 years
- Fix ISA savings rates, so you know the amount of interest you’ll get paid
- Get interest paid on your savings annually
- Take advantage of your tax-free savings allowance.
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. Not eligible for Round Ups.
Key info
Tax-free interest.
Terms of 1 or 2 years.
£1,000 minimum deposit.
Interest rate
AER / Tax-free p.a. (fixed)
3.50%
1 year term on balances between £1,000 - £24,999
3.70%
1 year term on balances £25,000+
3.30%
2 year term on balances between £1,000 - £24,999
3.50%
2 year term on balances £25,000+
£150 cash and bonus rate offer
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.
Switch offer available to new and existing customers who did not hold a NatWest current account or savings account as of 17 February 2026. T&Cs and restrictions apply.
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
£150 cash and bonus rate offer
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.
Switch offer available to new and existing customers who did not hold a NatWest current account or savings account as of 17 February 2026. T&Cs and restrictions apply.
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
Cash ISA
Want to get tax-free interest and have instant access to your savings?
Use this individual savings account to:
- Make the most of your tax-free savings allowance
- 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. Not eligible for Round Ups.
Key info
Instant access savings account.
No tax on savings interest.
Start with just £1.
Apply online in 5 minutes.
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
Want to get tax-free interest and have instant access to your savings?
Use this individual savings account to:
- Make the most of your tax-free savings allowance
- 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. Not eligible for Round Ups.
Key info
Instant access savings account.
No tax on savings interest.
Start with just £1.
Apply online in 5 minutes.
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+
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)
3.30% / 3.25%
1 year term on balances between £1 - £99,999
3.40% / 3.35%
1 year term on balances between £100,000 - £3,000,000
3.30% / 3.25%
2 year term on balances between £1 - £99,999
3.40% / 3.35%
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)
3.30% / 3.25%
1 year term on balances between £1 - £99,999
3.40% / 3.35%
1 year term on balances between £100,000 - £3,000,000
3.30% / 3.25%
2 year term on balances between £1 - £99,999
3.40% / 3.35%
2 year term on balances between £100,000 - £3,000,000
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 and over.
Key info
Instant access savings account.
Start with just £1.
Apply online in 5 minutes.
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 and over.
Key info
Instant access savings account.
Start with just £1.
Apply online in 5 minutes.
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+
Investment account
Stocks & Shares ISA
Investments are made simple with a stocks and shares individual savings account.
Use our investment account to:
- Help you meet your long term financial goals
- Make the most of tax-efficient investing
- Help protect your money from the effects of inflation.
Information Message
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.
Key info
Start investing from £50.
Invest up to £20,000 in the current tax year.
Low fees so you keep more of any money you make.
5 investment funds available from defensive to adventurous.
Managed by Coutts investment managers.
Investment account
Stocks & Shares ISA
Investments are made simple with a stocks and shares individual savings account.
Use our investment account to:
- Help you meet your long term financial goals
- Make the most of tax-efficient investing
- Help protect your money from the effects of inflation.
Information Message
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.
Key info
Start investing from £50.
Invest up to £20,000 in the current tax year.
Low fees so you keep more of any money you make.
5 investment funds available from defensive to adventurous.
Managed by Coutts investment managers.
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.
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)
1.85% / 1.84%
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.
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)
1.85% / 1.84%
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.
Information Message
Saving guides for new customers
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Already have a NatWest saving account?
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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.