Instant access savings - in detail

Is an instant access savings account best for you?

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

What is an instant access savings account?

An instant access savings account is a savings account that allows you to:

  • Access your money whenever you need to.
  • Set something aside each month.
  • Earn interest, knowing you can take out your money straight away.

You may also hear them called easy access savings accounts. But they’re the same thing. Instant and easy access savings accounts are different to fixed term savings accounts.

The benefits of an instant access account

An instant access savings account could be best if you need flexibility with your spare cash, knowing you have the freedom to dip into it at any point.

Access to your savings anytime using our app

You may be weekending in Paris or going all out for a big birthday. Whatever the reason, you can easily move your money with our NatWest app.

Earn interest on your savings

Watch your pounds and pennies grow as you start to save regularly. You could earn more interest on money paid into an instant access account than a current account

Dip into your savings when you need to

Life is full of surprises. What if something comes up and you need to dip into your savings? You can do that anytime, as many times as you want to, with an easy access savings account. 

Choose from our instant access accounts

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

Flexible Saver

Use this savings account to:
  • Save what you can, when you can.
  • Add a lump sum or pay in savings regularly.
  • Earn interest on your balance from £1+.
  • Move money from your savings - simply move the amount you want to your current account held with us using Online Banking, mobile app, in branch or by telephone.

Digital Regular Saver

Use this savings account to:
  • Get into a habit of saving regularly.
  • Build your savings pot in a way that suits you. 
  • Earn our highest interest rate when you save between £1-£150 each month.
  • Have interest paid monthly on your savings.
  • Plus, you top up with Round Ups.

Cash ISA

Use this 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.

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.

Managing your instant access account

Set a realistic savings goal in app

You could be saving for a wedding or simply for a rainy day. Create savings goals in our NatWest app to work out how much you need to set aside and by when.

Be realistic with your budget

You can only save what you can afford to. Use our Budget Calculator to look at your goals against your income and expenses.

Set up regular monthly payments

You know how much you can afford to save each month. Create a standing order for payday to set aside your savings before they get spent.

Compare our range of savings accounts

Fixed rate saving accounts

Lock in your savings for a set period (usually one or two years) and get a guaranteed interest rate for that time. Watch your savings grow.

Regular saving accounts

Take your first steps in saving with a regular savings account. Get into the habit of setting money aside and see where it takes you.

Cash ISAs

Get access to your money at any time and earn interest without paying tax on it (balances up to £20,000). Build your tax-free savings with a cash ISA.