hero_english_landscape

Your savings rates

Instant Access

Select the instant savings account you're looking for below to find your interest rate and any other details you need. 

 

Accordion

Icon expand Instant Saver

Current Interest Rates

 

Balance

AER (Variable)

Gross Rate % p.a.

Net Rate % p.a.

£25,000 + 0.75% 0.75% 0.60%
£1 - £24,999 0.50% 0.50% 0.40%

Interest paid quarterly.

Last updated on 3 February 2014

Accordion

Icon expand Instant Saver

Previous Interest Rates

Interest rates effective until 4 April 2014 for accounts opened before 3 February 2014.

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£100,000+ 1.00% 1.00% 0.80%
£25,000 - £99,999 0.70% 0.70% 0.56%
£1 - £24,999 0.50% 0.50% 0.40%

Interest paid quarterly. 
Last updated on: 28 Jan 2013.

Accounts no longer available to new customers. 

 

Accordion

Icon expand 30 Day Bonus Reserve

Current Interest Rates

 

Excluding bonus

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£100,000+

0.40%

0.40%

0.32%

£2,000 - £99,999

0.25%

0.25%

0.20%

£1 - £1,999

0.10%

0.10%

0.08%


Interest paid annually.
Note: withdrawals require 30 day notice.
Last updated on: 24 Jul 2009.

 

 

Including a fixed bonus of 0.50% (gross per annum)

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£100,000+

0.90%

0.90%

0.72%

£2,000 - £99,999

0.75%

0.75%

0.60%

£1 - £1,999

0.10%

0.10%

0.08%

Interest paid annually.
Annual bonus amount - 0.50% (fixed gross per annum).
Last updated on: 24 Jul 2009.

 

Accordion

Icon expand 30 Day Bonus Reserve

Previous Interest Rates

 

Excluding bonus

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£2,000 +

0.20%

0.20%

0.16%

£1 - £1,999

0.10%

0.10%

0.08%


Interest paid annually.
Note: withdrawals require 30 day notice.
Last updated on: 2 Feb 2009.

 

 

Including a fixed bonus of 0.50% (gross per annum)

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£2,000 +

0.70%

0.70%

0.56%

£1 - £1,999

0.10%

0.10%

0.08%

Interest paid annually.
Fixed annual bonus amount - 0.50% (gross per annum).
Last updated on: 2 Feb 2009.

 

Accordion

Icon expand Advantage Private Reserve

Current Interest Rates

Excluding 0.25% (variable) conditional bonus 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£250,000 +

1.04%

1.04%

0.83%

£100,000 - £249,999

0.75%

0.75%

0.60%

£50,000 - £99,999

0.65%

0.65%

0.52%

£25,000 - £49,999

0.60%

0.60%

0.48%

£10,000 - £24,999

0.50%

0.50%

0.40%

£1 - £9,999

0.10%

0.10%

0.08%

Note: Available to Black Account customers.
Interest paid monthly.
Last updated on: 1 Apr 2009.
 

 

Including 0.25% (variable) conditional bonus 

 
 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£250,000 +

1.30%

1.29%

1.03%

£100,000 - £249,999

1.00%

1.00%

0.80%

£50,000 - £99,999

0.90%

0.90%

0.72%

£25,000 - £49,999

0.85%

0.85%

0.68%

£10,000 - £24,999

0.75%

0.75%

0.60%

£1 - £9,999

0.10%

0.10%

0.08%


Interest paid monthly.

A conditional bonus equivalent to 0.25% gross p.a. (0.20% net p.a.) is payable with your monthly interest, if you do not make any withdrawals and maintain a minimum balance of £10,000 in your account during that month. 

Note: Available to Black Account customers.
Monthly bonus amount - 0.25% (gross per annum).
Last updated on: 12 Jul 2010.
 

 

Accordion

Icon expand Advantage Private Reserve

Previous Interest Rates

Excluding bonus

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£250,000 +

1.55%

1.54%

1.23%

£100,000 - £249,999

1.25%

1.24%

0.99%

£50,000 - £99,999

1.15%

1.14%

0.91%

£25,000 - £49,999

1.10%

1.09%

0.87%

£10,000 - £24,999

0.99%

0.99%

0.79%

£1 - £9,999

0.10%

0.10%

0.08%

Note: Available to Black Account customers.
Interest paid monthly.
Last updated on: 2 Mar 2009.
 

Including bonus

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£250,000+

1.80%

1.79%

1.43%

£100,000 - £249,999

1.50%

1.49%

1.19%

£50,000 - £99,999

1.40%

1.39%

1.11%

£25,000 - £49,999

1.35%

1.34%

1.07%

£10,000 - £24,999

1.25%

1.24%

0.99%

£1 - £9,999

0.10%

0.10%

0.08%

Interest paid monthly.

A conditional bonus equivalent to variable 0.25% gross p.a. (0.20% net p.a.) is payable with your monthly interest, if you do not make any withdrawals and maintain a minimum balance of £10,000 in your account during that month. 

Note: Available to Black Account customers 
Monthly bonus amount - 0.25% (variable gross per annum)
Last updated on: 2 Mar 2009.

 

Accordion

Icon expand Advantage Reserve

Current Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£250,000 +

0.90%

0.90%

0.72%

£100,000 - £249,999

0.75%

0.75%

0.60%

£50,000 - £99,999

0.65%

0.65%

0.52%

£25,000 - £49,999

0.60%

0.60%

0.48%

£2,000 - £24,999

0.50%

0.50%

0.40%

£1 - £1,999

0.10%

0.10%

0.08%

Interest paid quarterly.
Note: Available to Advantage Gold Account and Black Account customers only.
Last updated on: 1 Apr 2009.
 

 

Accordion

Icon expand Advantage Reserve

Previous Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£250,000 +

1.40%

1.39%

1.11%

£100,000 - £249,999

1.25%

1.24%

0.99%

£50,000 - £99,999

1.15%

1.15%

0.92%

£25,000 - £49,999

1.10%

1.10%

0.88%

£2,000 - £24,999

1.00%

1.00%

0.80%

£1 - £1,999

0.10%

0.10%

0.08%

Interest paid quarterly.
Note: Available to Advantage Gold Account and Black Account customers only.
Last updated on: 2 Mar 2009.

Accordion

Icon expand Diamond Reserve

Current Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1+

0.10%

0.10%

0.08%

Interest paid monthly.
Last updated on: 1 Dec 2008.

 

Accordion

Icon expand Diamond Reserve

Previous Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£250,000 +

1.17%

1.16%

0.93%

£100,000 + £249,999

1.01%

1.01%

0.81%

£50,000 - £99,999

0.61%

0.61%

0.49%

£1 - £1,999

0.10%

0.10%

0.08%

Interest paid monthly.
Last updated on: 3 Nov 2008.

 

Accordion

Icon expand e-Savings

Current Interest Rates

 

Balance

AER
(Variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£25,000+

0.75%

0.75%

0.60%

£1 - £24,999 0.50% 0.50% 0.40%

Interest paid monthly.
Note: Internet based account only.
Last updated on: 1 July 2014.

Accordion

Icon expand e-Savings

Previous Interest Rates

 

 

Balance

AER
(Variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1+

1.00%

1.00%

0.80%

Interest paid monthly.
Note: Internet based account only.
Last updated on: 31 Oct 2012.

Balance AER (variable) Gross Rate % p.a. (variable) Net Rate % p.a.
£1+ 1.00% 1.00% 0.80%


Interest paid monthly.

Note: Internet based account only.

Last updated on: 31 Oct 2012.

 

 

 

 

 

 

Accordion

Icon expand e-Savings Plus

Current Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£5000+

0.50%

0.50%

0.40%

£1+

0.10%

0.10%

0.08%

Note: Internet and telephone based account only
Last updated on: 24 Jul 2009.

Accordion

Icon expand First Home Saver

Current Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1+

1.00%

1.00%

0.80%


Cashback

Amount

Cashback

Over £50,000

£5,000

Up to £50,000

£2,500

Up to £25,000

£1,000

Up to £10,000

£500

£500 to £5,000

£100

Interest paid annually
Last updated on: 2 Jan 2009

Cashback is paid provided the terms and conditions of the First Home Saver are met. The amount of cashback is based on the lowest savings balance in the 6 months before the mortgage is drawn down. It is exempt from tax as it falls within HM Revenue and Customs Statement of Practice SP4/97.

Accordion

Icon expand First Home Saver

Previous Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£50,000 +

1.10%

1.10%

0.88%

£25,000 - £49,999

0.90%

0.90%

0.72%

£10,000 - £24,999

0.80%

0.80%

0.64%

£5,000 - £9,999

0.75%

0.75%

0.60%

£500 - £4,999

0.65%

0.65%

0.52%

£1 - £499

0.30%

0.30%

0.24%

Interest paid annually.
Last updated on: 01 Dec 2008


Cashback

Amount

Cashback

Over £50,000

£5,000

Up to £50,000

£2,500

Up to £25,000

£1,000

Up to £10,000

£500

£500 to £5,000

£100

Cashback is paid provided the terms and conditions of the First Home Saver are met. The amount of cashback is based on the lowest savings balance in the 6 months before the mortgage is drawn down. It is exempt from tax as it falls within HM Revenue and Customs Statement of Practice SP4/97.

Accordion

Icon expand First Reserve

Current Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1+

0.10%

0.10%

0.08%

Interest paid quarterly.
Last updated on: 24 Jul 2009.

Offset banking

If you choose to offset your First Reserve balance against your Offset Flexible Mortgage, you won't earn interest on the money in your First Reserve account as that balance is being used to reduce the interest you pay on your mortgage. If your First Reserve balance is higher than your mortgage balance, you will earn interest monthly on the amount over and above your outstanding Offset Flexible Mortgage balance. See our Offset Banking page for more information.

Accordion

Icon expand First Reserve

Previous Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1+

0.20%

0.20%

0.16%

Interest paid quarterly.
Last updated on: 2 Jan 2009.

Offset banking
If you choose to offset your First Reserve balance against your Offset Flexible Mortgage, you won't earn interest on the money in your First Reserve account as that balance is being used to reduce the interest you pay on your mortgage. If your First Reserve balance is higher than your mortgage balance, you will earn interest monthly on the amount over and above your outstanding Offset Flexible Mortgage balance. See our Offset Banking page for more information.

Accordion

Icon expand Instant Access Reserve

Current Interest Rates

Account no longer available to new customers

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£3,000 +

0.50%

0.50%

0.40%

£1 - £2,999

0.20%

0.20%

0.16%

Interest paid quarterly.
Last updated on: 25 Jul 2009.

The Instant Access Reserve Account is not available on application. This is only available for roll off Regular Saver customers.

Accordion

Icon expand Private Banking Savings Account

Current Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£250,000+

0.50%

0.50%

0.40%

£100,000 - £249,999

0.35%

0.35%

0.28%

£50,000 - £99,999

0.25%

0.25%

0.20%

£25,000 - £49,999

0.20%

0.20%

0.16%

£5,000 - £24,999

0.20%

0.20%

0.16%

£1 - £4,999

0.20%

0.20%

0.16%

Interest paid quarterly.
Last updated on: 1 Apr 2009.

Accordion

Icon expand Private Banking Savings Account

Previous Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£250,000+

1.00%

1.00%

0.80%

£100,000 - £249,999

0.85%

0.85%

0.68%

£50,000 - £99,999

0.75%

0.75%

0.60%

£25,000 - £49,999

0.65%

0.65%

0.52%

£5,000 - £24,999

0.45%

0.45%

0.36%

£1 - £4,999

0.20%

0.20%

0.16%

Interest paid quarterly.
Last updated on: 2 Mar 2009.

Accordion

Icon expand Reward Reserve

Current Interest Rates

Excluding all interest rewards

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£50,000 +

0.30%

0.30%

0.24%

£25,000 - £49,999

0.25%

0.25%

0.20%

£2,000 - £24,999

0.20%

0.20%

0.16%

£1 - £1,999

0.10%

0.10%

0.08%

Last updated on: 2 Jan 2009.
 

Including all interest rewards

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£50,000 +

0.80%

0.80%

0.64%

£25,000 - £49,999

0.75%

0.75%

0.60%

£2,000 - £24,999

0.70%

0.70%

0.56%

£1 - £1,999

0.10%

0.10%

0.08%

Interest paid quarterly and annually.
Last updated on: 24 Jul 2009.

Quarterly reward amount - 0.25% (variable gross per annum) 
Annual reward amount - 0.25% (variable gross per annum)

Accordion

Icon expand Reward Reserve

Previous Interest Rates

Excluding all interest rewards

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£50,000 +

0.40%

0.40%

0.32%

£25,000 - £49,999

0.35%

0.35%

0.28%

£2,000 - £24,999

0.30%

0.30%

0.24%

£1 - £1,999

0.10%

0.10%

0.08%

Last updated on: 1 Dec 2008.
 

Including all interest rewards

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£50,000 +

1.05%

1.05%

0.84%

£25,000 - £49,999

1.00%

1.00%

0.80%

£2,000 - £24,999

0.95%

0.95%

0.76%

£1 - £1,999

0.10%

0.10%

0.08%

Interest paid quarterly and annually.
Last updated on: 2 Mar 2009.

Quarterly reward amount - 0.25% (variable gross per annum) 
Annual reward amount - 0.50% (variable gross per annum)

Accordion

Icon expand Savings Direct

Current Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1+

0.10%

0.10%

0.08%

Interest paid monthly.
Note: Telephony, post and internet based account only
Last updated on: 24 Jul 2009.

Accordion

Icon expand Savings Direct

Previous Interest Rates

 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£1+

0.20%

0.20%

0.16%

Interest paid monthly.
Note: Telephony, post and internet based account only
Last updated on: 1 Apr 2009.

Accordion

Icon expand Telephone Saver PLUS

Current Interest Rates

Account no longer available to new customers
  

 
 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£25,000 +

1.50%

1.49%

1.19%

£1 - £24,999

0.10%

0.10%

0.08%

Last updated on: 1 Apr 2009.

Accordion

Icon expand Telephone Saver PLUS

Previous Interest Rates

Excluding bonus

 
 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£25,000 +

2.00%

1.98%

1.58%

£1 - £24,999

0.10%

0.10%

0.08%

Last updated on: 12 Jan 2009.
 

Including fixed 0.78% bonus for 12 months
 

Balance

AER
(variable)

Gross Rate % p.a.
(variable)

Net Rate % p.a.

£25,000 +

2.80%

2.76%

2.21%

£1 - £24,999

0.10%

0.10%

0.08%

Note: Telephony and internet based account only 

All rates correct as at 01.04.09 and are subject to variation. Bonus is for customers who open a Telephone Saver PLUS account from 2 February until 15 March 2009 and maintain a balance of at least £25,000. The bonus interest will be applied for 12 months from the day your account is opened. Any balances below £25,000 will not earn the bonus interest. The bonus will be paid monthly along with the standard interest payment. The Gross and AER rates are applicable from the start date of the bonus. Offer available until 15 March 2009.
Last updated on: 2 Feb 2009.
 

Including fixed 1.22% bonus for 12 months

Balance AER
(variable)
Gross Rate % p.a.
(variable)
Net Rate % p.a.
£25,000+ 3.25% 3.20% 2.56%
£1 - £24,999 0.10% 0.10% 0.08%

Interest paid monthly.
Note: Telephony and internet based account only 

All rates correct as at 01.04.09 and are subject to variation. Bonus is for customers who open a Telephone Saver PLUS account between 12 January and 1 February 2009 and maintain a balance of at least £25,000. The bonus interest will be applied for 12 months from the day your account is opened. Any balances below £25,000 will not earn the bonus interest. The bonus will be paid monthly along with the standard interest payment. The Gross and AER rates are applicable from the start date of the bonus.
Last updated on: 12 Jan 2009.

Helpful banking

Protecting your money

With our account monitoring and online fraud protection promise, it's no wonder our customers voted us the UKs most trusted mainstream bank for 2013.

Your eligible deposits with NatWest are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme. Any deposits you hold above the £85,000 limit are not covered.

Further information is available here or visit www.fscs.org.uk.

Get in touch

What's next?

Need help reaching your savings goal?
Set Tab for lightbox