Have your statements at your fingertips
We'll send you an email when your statements are ready to view in Online Banking. You can check them whenever you want.
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.
Yes, these rates are variable. If the rates are going down and your balance is £100 or more, we'll give you at least 14 days' notice. If the rates are going down and your balance is less than £100, we'll inform you before the change or shortly afterwards. If the rates are going up, we'll inform you before the change or shortly afterwards. For more information please see the Savings Account Terms (48 pages)
You must be aged 16 years or over and resident in the UK for tax purposes.
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.
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.
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
This account is a non-payment account
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.
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.
Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.
If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. Please take some time to review, print and/or save the important information.