Savings - Instant Access Savings Account - NatWest

Instant Saver

You can open the account with just £1


Open either a joint account or one just for you


No withdrawal fees or restrictions


Open a savings account today...
Instant Saver at a glance Reach your savings goal with our free instant access savings account
Get into a savings habit

Whether you find that setting savings goals or using our budgeting tool is best, an Instant Saver can help you on your path to saving regularly, whatever the reason.

Instant access to your money

In instant saver is very simply a savings account without withdrawal penalties. The interest rate you receive is not related to the amount you save or take out.

Online, by phone or in branch

You can manage your account in whichever way suits you, the choice is yours. Our telephony and branch staff will be happy to help, or our award winning apps are at your fingertips.

Interest paid monthly

Interest is calculated daily and will be paid into your account every month. While interest rates are not fixed, we'll always tell you if they're going to change.

Important information and documents:
Interest Rates Icon

Interest rate information

Balance AER/Gross p.a. (variable)
£1+ 0.01%


Rate shown correct as at 31 October 2016


Will the interest rate change? The interest rate is variable, so it can go up as well as down.

Annual Equivalent Rate (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 Rate. This means the interest rate you are paid without the deduction of basic rate income tax.


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You must be 16 to open this account

If you're under 16 or looking to open an account for a child, then a First Saver account may be more suitable.


Not sure if you're ready? Our tools can help you plan your savings journey

Keeping track of your money can be complicated, and you might not know how much you could be saving. Our collection of tools make it simple to understand how much you could be putting away for whatever goals you may have.

Add your signposting title here… Track how your savings are doing against your goal

Whether you are saving for a holiday or a rainy day our online Savings Goal Tool can help you set up a goal, track it and achieve it.

You will have to be registered for Digital Banking to use your Savings Goals and only one goal can be set up per savings account. 

Find out more about our savings goal tool
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