NatWest Flexible Saver

Open your flexible, instant 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, our instant access account

Save for a rainy day or take aim at your savings goals without having to lock your money away with the NatWest Flexible Saver account.

With our instant access savings account you can put money aside each month, or whenever suits you.  You'll earn interest on what you save and can add a lump sum at anytime.  

If you're eligible for  Round Ups (criteria apply), you could also save every time you use your card.

How Flexible Saver works

Get started saving

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 easy access 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

With our Mobile Banking app, you can access your accounts, check your balance, transfer money into your current account and get support whenever you like.

Summary Box

Account name: Flexible Saver

What's the interest rate?

The interest you earn will depend on the amount you have saved over the course of the year. Interest rates on our instant savings accounts are variable.

Can NatWest change the interest rate?

Yes, we may change the rate up or down on your instant saver account.  There are a few reasons for this, such as a change in the Bank of England base rate. 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 detail on the reasons for an interest rate change and how we'll tell you about this in section 9.2 of the Savings Account Terms (PDF, 474KB).

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

The amount you deposit into your instant savings account will determine the interest you earn over the year. In the table below, we list estimates of the interest that could be earned with different deposit amounts.

How do I open and manage my Flexible Saver account?

Before you apply: 

  • 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.
  • 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.

Managing your account:

  • You can open and manage your account on our mobile app, online or by telephone.
  • 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 from your instant savings account.  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.


Banking can be confusing sometimes. Here's what some of the words we use mean.

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, you must: 

  • Be a current account customer
  • Be aged 16 or over and a UK resident

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.

Managing your Flexible Saver account

Managing your instant savings account couldn’t be easier with the NatWest Mobile Banking app. Here, you can perform instant transfers between accounts, monitor your spending and savings, set savings goals, and get help from our representatives.

You can also manage your instant savings account online. Or visit one of our local branches to discuss your needs with one of our advisers.

Want to reach your savings goals quicker?

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. 

Discover our savings accounts

Stash the cash for your future with one of our many savings accounts. Whether you're saving for the long term, or for a certain goal, we could have an account for you.