Welcome to Flexible Saver

Our flexible, easy access savings account

To apply, you must be 16+ and hold a NatWest current account and be a UK resident

Take a peek at Flexible Saver

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

Get instant, easy access to your savings whenever you need them

Eligible for Round Ups (Criteria apply)

How Flexible Saver works

Get started

It's easy and quick. Just hit the apply button to get started. Once set up, you can choose when and how you want to save. We also have handy digital tools to help you reach your savings goals.

Flex your savings when you need to

You can add a lump sum or set up a standing order or pay in what you want, when you want. It's up to you.

Easy access to your cash

Withdraw your savings easily at anytime by using Online Banking, the NatWest mobile app or pop along to your branch.

Summary Box

Account name: Flexible Saver

What's the interest rate?

Can NatWest change the interest rate?

Yes, we may change the rate up or down. There are a few reasons for this, such as a change in the Bank of England base rate. You can find a full list of reasons for an interest rate change in section 9.2 of the Savings Account Terms. We’ll give you at least 14 days’ notice if the rates are going down and your balance is £100 or more. Otherwise we’ll tell you before or shortly after the change. You can find more details about how we’d tell you about a change in section 9.2 of the Savings Account Terms (45 pages).

What would the estimated balance be after 12 months based on a range of deposits?

How do I open and manage my account?

  •  You must be a UK resident aged 16 years or over and already have a current account with us, or apply for a current account with us at the same time. 
  • We will need an email address and mobile number to open your account. You can update them online.
  • You can open and manage your account on our mobile app, online or by telephone.
  • To open in branch you must bring your own digital device such as a mobile or tablet and our staff can assist you opening the account yourself.
  • You can pay money in by transfer from a current account or savings account in your name held with us or held with another bank (Online, by telephone or on the mobile app).
  • No minimum deposit is required to open the account; no minimum deposit needs to be made on a regular basis; and there is no maximum balance limit.
  • You can use Round Ups with Flexible Saver.

Can I withdraw money?

Yes, you can withdraw your money at anytime. Simply move the amount you want to your current account held with us using Online Banking, mobile app, in branch or by telephone.

If you close or switch your current account with us in future, you will only be able to withdraw money from your account in branch.

Additional information


AER: This is a notional rate used for interest bearing accounts which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.

Gross: The interest rate you are paid without the deduction of UK income tax.

p.a.: per annum (per year)


Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. Please take a look at the important legal info:

How your information might be used

It’s important for you to understand how we use and share your information Please read this short summary before you continue with your application.

All okay? You're nearly ready to start.

We need to do a few final checks with you. They'll only take a minute. 

Do you use online banking?
Is the account just for you, or is it a joint application?

Great. Let's get your application started.

Remember, to apply for a Flexible Saver account, you must: 

Be a current account customer

Be aged 16 or over and a UK resident

Enter your mobile number and email address when you apply (so we can identify you safely and quickly online)

Great. Let's get your application started.

Remember, to apply for a Flexible Saver account, you must: 

  • Be a current account customer
  • Be aged 16 or over and a UK resident
  • Login using your NatWest Online Banking details at the start of the application
  • Both applicants will need to be registered for NatWest Online Banking in order to complete the application

Register for online banking

You'll need to sign up for online banking with us in order to apply for the Flexible Saver account online. The good news is that it normally takes just 5 minutes.

What you'll need

You'll need your sort code and account number, and your NatWest debit card if you have one.