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NatWest ISAs
Apply for a Cash ISA today
Make the most of your savings
Start saving with as little as £1, and take your money out when you need it.
Save up to £20,000 tax free up to 5th April 2020.
Bring your ISA balances together in one place.
Summary Box
Account name: Cash ISA
Can NatWest change the interest rate?
Yes, these rates are variable. We will give you at least 60 days notice if the rates are going down and will let you know before or shortly after the changes, if they are increasing. For more information on if and when the rates will change and how it will affect you, please see section 9.2 of the Savings Account Terms (PDF, 281 KB)
What would the estimated balance be after 12 months based on a range of deposits?
How do I open and manage my account?
Your eligibility
You must be aged 16 years or over and resident in the UK for tax purposes.
You must:
Not have subscribed to another cash ISA (including a Help to Buy: ISA with another provider) or have subscribed more than the overall subscription limit in total to a cash ISA, a stocks and shares ISA, an innovative finance ISA and a lifetime ISA in the same tax year;
Hold the account solely in your name
If you already have a current account with us you can open your account on our mobile app, online, in branch or by telephone.
If you don't have a current account with us you can open your account online or on our mobile app (you need to register for online banking before you can get our mobile app).
We will need your email address and mobile number to open your account.
You can manage your account on our mobile app, online, in branch or by telephone.
Balance and ISA allowance
There is no minimum deposit required to open the account; no minimum deposit needs to be made on a regular basis; and there is no maximum balance limit.
However, there is a limit on the amount you can pay into your account each tax year (6 April to 5 April). This annual limit also known as your “ISA allowance”, is set by the Government and may change from time to time. For tax year 2019/2020 it is £20,000. If you pay in more than the limit any excess money will be returned to you.
If you make a payment for a tax year into your Cash ISA, you can’t make any payments for that tax year into any other cash ISA except for a NatWest Help to Buy: ISA.
Paying into more than one ISA
Making payments to both a NatWest Cash ISA and a NatWest Help to Buy: ISA
You can make payments to a Help to Buy: ISA in the same tax year as a NatWest Cash ISA provided that:
The Help to Buy: ISA is held with us; and
You don't pay in more than the ISA allowance between the Cash ISA and the Help to Buy: ISA
Can I withdraw money?
Yes. No notice is required.
You can withdraw money: in branch or by transfer to any other account based in the UK (online, by telephone or on the mobile app).
If you make a withdrawal, you will not be able to deposit more money into your account if it means you will exceed the annual limit.
You can transfer your ISA (or part of it) to another ISA manager.
There are daily limits on the amount of money you can withdraw from your phone, online or on the mobile app. Find out more about the daily limit or speak to us on the phone about them.
Additional Information
The interest payable on the money held in your account is tax-free. The tax treatment may be subject to change in the future and depends on your individual circumstances.
Ready to apply?
Before you start your application, we need to check a few things.
Are you...
Please review the important legal stuff:
Please take some time to review, print and/or save the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.
How your information might be used
It’s important for you to understand how we use and share your information. Please read this short summary before you continue with your application.
Are you ready to continue?
Great. Let's get your application started.
Remember, to apply for a Cash ISA, you must:
Have your National Insurance number. You’ll find it on your payslip, P60 or any letters from HMRC.
Be at least 16 years old and a permanent UK resident, or a Crown Servant serving overseas, their spouse or civil partner.
Have a phone number and email address we can contact you on.
Do you use online banking?
Please review the important legal stuff:
Please take some time to review, print and/or save the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.
How your information might be used
It’s important for you to understand how we use and share your information Please read this short summary before you continue with your application.
Have you read the important information?
Great let's get your application started
Remember, to apply for a Cash ISA, you must:
Have your National Insurance number. You’ll find it on your payslip, P60 or any letters from HMRC.
Be at least 16 years old and a permanent UK resident, or a Crown Servant serving overseas, their spouse or civil partner.
Have a phone number and email address we can contact you on.
Please review the important legal stuff:
Please take some time to review, print and/or save the important information. By clicking to proceed you are confirming that you have been provided with, and have acknowledged our important documents including the FSCS information sheet.
How your information might be used
It’s important for you to understand how we use and share your information Please read this short summary before you continue with your application.
Are you ready to continue?
Great let's get your application started
Remember, to apply for a Cash ISA, you must:
Have your National Insurance number. You’ll find it on your payslip, P60 or any letters from HMRC.
Be at least 16 years old and a permanent UK resident, or a Crown Servant serving overseas, their spouse or civil partner.
Have a phone number and email address we can contact you on.
Tips to help you start saving
If you're not sure where to start, our guide to managing your money can help you get on the right track.