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Ready to start saving or investing?

Compare instant, fixed and ISA saving accounts

Power up your tax-free savings with an ISA

Get off to a strong start this tax year and get the most out of your 2024/2025 tax-free ISA allowance.

Rates up to 4.35% AER Tax-free p.a. (fixed) on balances from £1,000 if you fix your savings for 1 year with our Fixed Rate ISA. 2 year Fixed Rate ISA also available.

Or explore our Instant access ISA and start saving from as little as £1.

See product information below. Specific eligibility criteria and early closure charges may apply.

Choose which savings account is best for you

Life is full of big moments, and putting money aside regularly could help you be ready. But there’s no one-size-fits-all, you might:

  • Need fast access to your cash
  • Be looking for better interest rates on your nest egg
  • Want to open your child’s first savings account
  • Have spare cash and looking to save for a longer term

Whatever the goal we could have a NatWest Savings or Investment Account for you. 

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Digital Regular Saver

Join over 1 million NatWest customers* who save every month with our regular savings account.

Use this savings account to:

Get into a habit of saving regularly

Build your savings pot in a way that suits you

Get a higher interest rate on balances up to £5,000

Have interest paid monthly on your savings

Plus, you top up with Round Ups.

*As at Aug 2023

Key info
  • Instant Access
  • Save between £1 - £150
  • Apply online only in 5 minutes
Interest rate

AER/Gross p.a (variable)

6.17% / 6.00% on balances up to £5,000
1.75% / 1.74% on balances over £5,000

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

Fixed Rate ISA

Do you have a lump sum to start saving with? And don't want to touch your savings pot for a fixed term?

Use this fixed-interest savings account to:

Save for a fixed term of 1 or 2 years

Fix your savings interest rate, 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

 

Key info
  • Tax-free interest 
  • Terms of 1 or 2 years
  • £1,000 min. deposit
Interest rate

AER/Tax-free p.a. (fixed)

4.35% 1 year term
4.00% 2 year term

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.

Cash ISA

Want to get tax-free interest and have instant access on your savings?

Use this 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

Key info
  • Instant access
  • Tax-free interest on balances up to £20,000
  • Start with just £1
  • Apply online in 5 minutes
Interest rate

AER/ Tax free p.a. (variable)

1.75% / 1.74% Balances of £1 - £24,999
3.20% / 3.15% Balances of £25,000+

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.

Fixed Term Savings

Put your money away for your future with our fixed term, fixed rate savings account.

Use this savings account to: 

Fix your interest rate, 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

 

Key Info:

Fix your savings pot on balances between £1 - £5,000,000

Terms of 1 or 2 years

£1 min. deposit

Interest Rate

AER/Gross p.a. (fixed)

4.35% / 4.27% 1 year term on balances between £1 - £5,000,000
4.00% / 3.93% 2 year term on balances between £1 - £5,000,000

You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups.

Flexible Saver 

Save on your terms with this instant access savings account - you can set aside what’s best for you.

Use this savings account to:

Save regularly, accessing your money anytime

Get interest paid monthly on your savings

Earn higher interest when saving  £25,000 and over

Top up your savings with Round Ups

 

Exclusively for current account customers, aged 16 and over.

 

At a glance: 

Instant access

Apply online in 5 minutes

Start with just £1

Interest rate

AER/Gross p.a (variable)

1.75% / 1.74% Balances up to £24,999
2.25% / 2.23% Balances between £25,000 and £99,999
2.70% / 2.67% Balances between £100,000-£249,999
3.30% / 3.25% Balances of £250,000 and over

NatWest Invest

Investments made simple - for new and experienced investors.

Use our investment accounts to:

Help you meet your long term financial goals 

Make the most of the tax-efficient investing*

Help protect your money from the effects of inflation

 

*Excludes the General Investment Account. Limits apply.

 

     

Key info
  • Start investing from £50
  • Low fees so you keep more of any money you make
  • Choose from 5 funds - defensive to adventurous
  • Managed by Coutts investment managers

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 children 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

Key info
  • Instant access
  • Apply online in 5 minutes
  • This account is 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)

2.70% / 2.67% Balances of £1+

Eligibility criteria and conditions apply.

The difference between saving and investing

Are you wondering about the best way to grow and protect your money?

Saving

Savings have the advantage of being dependable, predictable and easy to access. If you know you'll need a set amount of money in the next 12 months, for example, then regularly depositing in a savings account may be the best solution. Savings will grow over time as more money is put away and interest accrues on your balance.

Investing

If you are saving for a longer-term goal, typically five years or more, investing your money has the potential to grow your money and 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.

Learn more about NatWest Invest 

Want to reach your savings goals quicker?

How to start saving

Ready to start saving and take control of your financial future? Check out our guide to discover the benefits of using a savings account, how to save regularly, and how your savings can earn you interest.

Work towards your savings goals today

Got specific financial goals but don't know where to start? We're here to help. Discover the best strategies for saving towards your goals, and get tips for staying motivated along the way. Plus, explore tools and resources that could help track your progress and achieve your savings goals faster. 

Savings Accounts - FAQs

Can I have a joint savings account?

Yes, we offer joint savings accounts as well. These could be a great way to save towards a joint goal with someone else. For more information see our Joint Savings Accounts page via the link below.

Manage your existing savings account

Find out how you can use our Savings Goal Tool using your mobile app as well as other top tips to help you save. You can log in and manage or close your savings account and learn 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 £85,000, by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Find out more (PDF, 3k KB) 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.

Something else we can help you with?