We've recently increased some of our interest rates. See the changes here.
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.
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
AER/Gross p.a (variable)
Exclusively for current account customers, aged 16 and over. UK residents only.
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
Exclusively for current account customers, aged 16 and over.
Key info
Instant access
Apply online in 5 minutes
Start with just £1
AER/Gross p.a (variable)
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
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.
Commonly used for:
Earning interest on savings that would otherwise be taxed
Building up a tax-free savings allowance
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.
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 - £5,000,000
Terms of 1 or 2 years
£1 min. deposit
AER/Gross p.a. (fixed)
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.
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
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.
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
AER/Gross p.a. (variable)
Eligibility criteria and conditions apply.
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.
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
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.
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.
