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Ready to start saving or investing?

Compare savings accounts and ISAs

Compare interest rates and features to find the best savings account for you. Learn how to save money with NatWest.

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. For example, you might:

Need fast and easy access to your savings account

Be looking for better interest rates on your nest egg

Want to open your child’s first savings account

Have spare cash and aim to save for a longer term

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.

£175 Switch offer available

Digital Regular Saver

Join over 1.3 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 can top up with Round Ups and Rewards.
     

* As at Sept 2024.

Information Message

Exclusively for current account customers, aged 16 and over. UK residents only. £175 Switch offer available to new and existing customers who don’t hold a NatWest current account. 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)

5.50% / 5.37%

balances up to £5,000

1.15% / 1.14%

balances over £5,000

£175 Switch offer available

Digital Regular Saver

Join over 1.3 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 can top up with Round Ups and Rewards.
     

* As at Sept 2024.

Information Message

Exclusively for current account customers, aged 16 and over. UK residents only. £175 Switch offer available to new and existing customers who don’t hold a NatWest current account. T&Cs and restrictions apply.

bank notes and coins

Key info

Instant access savings account.

Save between £1 - £150.

Apply online in only 5 minutes.

Interest rate

AER / Gross p.a. (variable)

5.50% / 5.37%

balances up to £5,000

1.15% / 1.14%

balances over £5,000

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)

4.10%

1 year term

3.80%

2 year term

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.

a safe

Key info

Tax-free interest.

Terms of 1 or 2 years.

£1,000 minimum deposit.

Interest rate

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

4.10%

1 year term

3.80%

2 year term

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)

1.40% / 1.39%

balances of £1 - £24,999

2.70% / 2.67%

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.

steps and coin

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)

1.40% / 1.39%

balances of £1 - £24,999

2.70% / 2.67%

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 - £5,000,000.

Terms of 1 or 2 years.

£1 min. deposit.

Interest rate

AER / Gross p.a. (fixed)

4.00% / 3.93%

1 year term

3.80% / 3.74%

2 year term

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.

screen with padlock

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)

4.00% / 3.93%

1 year term

3.80% / 3.74%

2 year term

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)

1.15% / 1.14%

balances up to £24,999

1.70% / 1.69%

balances of £25,000 - £99,999

1.95% / 1.93%

balances of £100,000 - £249,999

2.55% / 2.52%

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.

pig with wings

Key info

Instant access savings account.

Start with just £1.

Apply online in 5 minutes.

Interest rate

AER / Gross p.a. (variable)

1.15% / 1.14%

balances up to £24,999

1.70% / 1.69%

balances of £25,000 - £99,999

1.95% / 1.93%

balances of £100,000 - £249,999

2.55% / 2.52%

balances of £250,000+

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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.

hand icon

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.

plant pot and coin

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)

2.25% / 2.23%

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.

bendy pencil

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)

2.25% / 2.23%

balances of £1+

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. 

Choose number of years

Must have NatWest current account?

Eligibility

Other interest rates

Must have NatWest current account?

Eligibility

The difference between saving and investing

Are you wondering about the best way to grow and protect your money? We’ve summarised the key differences between savings vs investments.

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

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.

FSCS logo

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?