Compare ISA Accounts & Rates | NatWest

NatWest ISA Accounts Overview


Take a look at our range of ISAs, compare benefits and find the right ISA for you

Compare our ISAs Manage your existing NatWest cash ISA

Find out more about ISAs



Help to Buy: ISA

A helping hand towards your first home

Full details & apply

Cash ISA

Instant access tax-free savings account 

Full details & apply

Fixed Rate ISA

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

Full details & apply
Decide if it’s right for you

If you are saving to buy your first home, save money into a Help to Buy: ISA and the UK Government will boost your savings by 25%.

You want tax-free savings and instant access to your money

You want tax-free savings and to know how much interest you’ll earn in advance. You’re happy to leave your money untouched while you save  


Help to Buy: ISA

Paid monthly

Cash ISA

Paid monthly  

Fixed Rate ISA

Paid annually  

  • 2.50% AER / 2.47% Tax-free (variable) on all balances

Tax-free p.a. (variable)/AER:

  • 0.20% for balances under £10,000
  • 0.35% for balances between £10,000 and £24,999.
  • 0.60% for balances between £25,000 and £49,999
  • 0.85% for balances of £50,000+


1 year fixed

  • 1.00% for balances between £1,000 and £24,999
  • 1.10% for balances over £25,000

2 year fixed

  • 1.15% for balances between £1,000 and £24,999
  • 1.25% for balances over £25,000

Interest rates unit: AER/ tax-free p.a. (fixed)
Minimum deposit to open account




Key conditions and limitations
  • You can save a maximum of £1,200 in the first calendar month of funding and then up to a maximum of £200 a month
  • Available to first time buyers aged 16 or over who are UK residents and have never owned a residential property or any interest in land in or outside the UK
  • The ISA allowance for the 2018/2019 tax year is £20,000
  • An Early Closure Charge may be applicable. 

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

Common questions

What is a cash ISA?

ISA can be tricky to understand. We’re here to help with our simple ISA guide.

Read our ISA guide

How do I transfer an

ISA to NatWest?

You can transfer an existing cash or stocks & shares ISA to a cash ISA at NatWest. Our simple transfer process safeguards your tax-free entitlement.

Transfer an ISA

How do I reactivate a

NatWest cash ISA?

If you haven't paid you Cash ISA or Help to Buy: ISA for a full tax year, you can reactivate it here.

Reactivate a cash ISA



Here if you need us
See our range of ISAs
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