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Savings and Investments

Find the right savings account for you

Savings account or investment? You choose

Find out more about different options below - from flexible instant access savings, longer-term investing options, tax-free ISAs to children's savings.

Whether you're new to saving, or more of an expert, we're here to help you find the right option to help you plan for your future. 

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Digital Regular Saver

Join over 750,000 customers (as at Nov 2022) who save every month with our regular savings account

Commonly used for:

Getting into a regular savings habit

Flexibility in building up a savings pot

Achieving the higher interest rate on balances up to £5,000

Plus, you could top up with Round Ups

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

AER/Gross p.a (variable)

5.12% / 5.00% on balances up to £5,000
0.50% on balances over £5,000

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

Flexible Saver 

A simple and flexible savings account for you to save what you can, when you can.

Commonly used for: 

Managing your monthly spending whilst you earn interest

Earning higher interest on larger pots of savings

Plus, you could top up with Round Ups

 

Key info
  • Instant access
  • Start with just £1
  • Apply online in 5 minutes
Interest rate

AER/Gross p.a. (variable)

0.50% Balances between £1 and £24,999 and balances over £1,000,000
1.26% / 1.25% Balances between £25,000-£99,999
1.51% / 1.50%  Balances between £100,000 -£1,000,000

Exclusively for current account customers, aged 16 and over.

Fixed Term Savings

Plan for the future with our fixed term, fixed rate savings account

Commonly used for: 

Fixing your interest rate and watching your savings grow.

Choosing a term that will suit you for 1 or 2 years

Certainty on what interest you'll earn on your savings

Key info
  • Fix your savings pot on balances between £1 - £2,000,000
  • Terms of 1 or 2 years
  • £1 min. deposit
Interest rate

AER/Gross p.a. (fixed)

3.30% / 3.25% 1 year term
3.82% / 3.75% 2 year term

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

NatWest Invest

A simple way to start investing for your future

Commonly used for: 

    Growing your savings and maximising returns over the longer term

    A simple and affordable way to help make your money work harder for you and your family

    Withdraw at any time, although investing is designed for the longer term

     

Key info
  • Start saving from £50
  • Choose from 5 funds - cautious to daring
  • 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

Make a difference to their future with our children's savings account

Commonly used for: 

Helping children learn how to save

Storing pocket money

Saving for your child's future

Plus, you could 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)

1.51% / 1.50% Balances of £1+

Eligibility criteria and conditions apply.

Fixed Rate ISA

Earn interest tax-free & fix your interest rate for 1 or 2 years

Commonly used for: 

Locking away spare savings for use in the future

Maximising tax-free interest earned

Certainty on what interest you'll earn on your savings

Key info
  • Tax-free interest on balances up to £20,000
  • Terms of 1 or 2 years
  • £1,000 min. deposit
Interest rate

AER/Gross p.a. (fixed)

3.25% 1 year term
3.75% 2 year term

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

Earn interest tax-free & access your savings anytime

Commonly used for: 

Earning interest on savings that would otherwise be taxed

Building up a tax-free savings allowance

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)

0.50% Balances of £1 - £24,999
1.51% / 1.50% Balances of £25,000+

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.

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 

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?