Compare instant, fixed and ISA saving accounts
Don’t miss a big finish for this tax year
Time is ticking on this tax year - Don’t let it end without a boost to your savings. You have until 5th April to open a Cash ISA and get the most out of your 2023/2024 tax-free allowance. Whatever your savings goal let's get going. Criteria 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.
Digital Regular Saver
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
- Instant Access
- Save between £1 - £150
- Apply online only in 5 minutes
AER/Gross p.a (variable)
Exclusively for current account customers, aged 16 and over. UK residents only.
Fixed Rate ISA
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
- Tax-free interest on balances up to £20,000
- Terms of 1 or 2 years
- £1,000 min. deposit
AER/Tax-free p.a. (fixed)
You must be 16 or over, UK resident for tax purposes and must not have subscribed to another cash ISA in the same tax year. Not eligible for Round Ups.
Cash ISA
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
- Instant access
- Tax-free interest on balances up to £20,000
- Start with just £1
- Apply online in 5 minutes
AER/ Tax free p.a. (variable)
You must be 16 or over, UK resident for tax purposes and must not have subscribed to another cash ISA in the same tax year. Not eligible for Round Ups.
Fixed Term Savings
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
AER/Gross p.a. (fixed)
You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups.
Flexible Saver
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
AER/Gross p.a (variable)
NatWest Invest
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.
- 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
Use this savings account to:
Help children learn how to save
Earn interest on their pocket money
Top up with Round Ups
- 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
AER/Gross p.a. (variable)
Eligibility criteria and conditions apply.
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.
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.
Can I have a joint savings account?
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.