Compare Savings Accounts & Rates | NatWest

Instant Access Savings Accounts

Our instant access savings accounts are exclusively for our current account customers

They offer a flexible way to save, giving you immediate access to your money. So you can dip into your savings - if you really need to. 

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Savings Builder

Rewarded for saving regularly

 

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Instant Saver

Instant access savings account

 

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Premium Saver

Earn bonus interest by leaving your savings untouched

 

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If your balance grows by £50+ a month (regular savings condition is met):

  • 1.50% for balances between £1 and £5,000
  • 1.50% for balances between £5,001 and £10,000
  • 0.20% for balances over £10,000 

Balance grows by less than £50 a month (regular savings condition is not met): 0.00% 

Interest is paid monthly and on a stepped basis which means you'll earn a different rate on each portion of your balance within the above tiers.


  • 0.20% for balances between £1 and £24,999
  • 0.30% for balances between £25,000 and £999,999
  • 0.35% for balances of £1m and above
Interest paid monthly.
 
 

One or more withdrawals made in month: bonus condition is not met

  • 0.20% for all balances from £1 - £1,000,000
  • 0.35% for all balances £1,000,000+

No withdrawal made in month: bonus condition is met:

  • 0.20% for balances between £1 and £24,999 (no bonus paid)
  • 0.60% for balances between £25,000 and £49,999 (includes 0.40% bonus)
  • 0.85% for balances between £50,000 and £1m (includes 0.65% bonus)
  • 0.35% for balances above £1m (no bonus paid)

Interest paid monthly

  • Exclusively for our current account customers
  • To earn interest you'll need to grow your savings by £50 or more each month, you won't earn interest in the months you don't
  • You can only have one sole and one joint Savings Builder account
  • Savings Builder is available to UK residents aged 16 and over

Exclusively for our current account customers

Instant Saver is available to UK residents, aged 16 and over  

 

 

  • Exclusively for our current account customers
  • Bonus Interest is paid each month your balance is between £25,000 - £1m and no withdrawals are made
  • If you do make a withdrawal you won’t earn the bonus for that month
  • If your balance is under £25,000 or above £1,000,000, lower interest rates will be paid on the entire balance.
  • You can only have one sole and one joint Premium Saver account
  • Premium Saver is available to UK residents aged 16 and over

 

Use our 5* Savings Goal Tool to help you meet your goals 

ISA Accounts

 

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Help to Buy ISA

A helping hand towards your first home

 

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Cash ISA

Instant access tax-free savings account

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Fixed Rate ISA

Fixed interest rate tax-free account for one or two years

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Use our 5* Savings Goal Tool to help you meet your goals 

Fixed Term Savings Accounts

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FIXED TERM SAVINGS ACCOUNT

Our fixed interest rate account

1 Year Fixed Rate

Fixed interest rate account for balance from £500
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2 Year Fixed Rate

Fixed interest rate account for balance from £500
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Use our 5* Savings Goal Tool to help you meet your goals 

Key definitions

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 income tax.

Tax free p.a. – This means interest payable is exempt from UK income tax.

p.a. - per annum (per year).

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Your eligible deposits with NatWest are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Please click here (84 KB PDF) for further information or visit www.fscs.org.uk.

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