How to start saving
Ready to start saving and take control of your financial future? Check out our guide to discover the benefits of using a savings account, how to save regularly, and how your savings can earn you interest.
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Ready to start saving or investing?
Compare instant, fixed and ISA saving accounts
We've recently increased some of our interest rates. See the changes here.
Our Fixed Term, Fixed Rate Savings Accounts
Starting from 5.56% / 5.42% AER/Gross, fix your savings for 1 or 2 years with our Fixed Term Savings Account. See product information below. Specific eligibility criteria and early closure charges apply.
Choose which savings account is best for you
Life is full of big moments, and putting money aside regularly could help you be ready. But there’s no one-size-fits-all, you might:
- Need fast access to your cash.
- Be looking for better interest rates on your nest egg.
- Want to open your child’s first savings account.
- Have spare cash and looking to save for a longer term.
Whatever the goal we could have a NatWest savings or Investment account for you
Digital Regular Saver
Join over 1 million NatWest customers* who save every month with our regular savings account
Use this savings account to:
Get into a habit of saving regularly.
Build your savings pot in a way that suits you.
Get a higher interest rate on balances up to £5,000.
Have interest paid monthly on your savings.
Plus, you top up with Round Ups.
*As at Aug 2023
Key info
- Instant Access
- Save between £1 - £150
- Apply online only in 5 minutes
AER/Gross p.a (variable)
Exclusively for current account customers, aged 16 and over. UK residents only.
Fixed Term Savings
Put your money away for your future with our fixed term, fixed rate savings account
Use this savings account to:
Fix your interest rate, so you know the amount of interest you'll get paid.
Have interest paid monthly on your savings, as well as at maturity.
Choose a term that will suit you - for either one or two years.
Key Info:
Fix your savings pot on balances between £1 - £5,000,000.
Terms of one or two years.
£1 min. deposit.
Interest Rate
AER/Gross p.a. (fixed)
You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups.
Fixed Rate ISA
Do you have a lump sum to start saving with? And don't want to touch your savings pot for a fixed term?
Use this fixed-interest savings account to:
Save for a fixed term of one or two years.
Fix your savings interest rate, so you know the amount of interest you'll get paid.
Get interest paid on your savings annually.
Take advantage of your tax-free savings allowance.
Key info
- Tax-free interest on balances up to £20,000
- Terms of 1 or 2 years
- £1,000 min. deposit
AER/Tax-free p.a. (fixed)
You must be 16 or over, UK resident for tax purposes and must not have subscribed to another cash ISA in the same tax year. Not eligible for Round Ups.
Flexible Saver
Save on your terms with this instant access savings account - you can set aside what’s best for you.
Use this savings account to:
Save regularly, accessing your money anytime.
Get interest paid monthly on your savings.
Earn higher interest when saving £25,000 and over.
Top up your savings with Round Ups.
Exclusively for current account customers, aged 16 and over.
At a glance:
Instant access
Apply online in 5 minutes
Start with just £1
Interest rate
AER/Gross p.a (variable)
Cash ISA
Want to get tax-free interest and have instant access on your savings?
Use this savings account to:
Make the most of your tax-free savings allowance.
Have instant access to your savings.
Get interest paid monthly on your savings.
Key info
- Instant access
- Tax-free interest on balances up to £20,000
- Start with just £1
- Apply online in 5 minutes
AER/ Tax free p.a. (variable)
You must be 16 or over, UK resident for tax purposes and must not have subscribed to another cash ISA in the same tax year. Not eligible for Round Ups.
NatWest Invest
Investments made simple - for new and experienced investors.
Use this investment account for:
Grow your savings and maximise returns over the longer term.
Make your money work harder for you and your family.
Withdraw at any time (although investing is designed for the longer term).
Key info
- Start saving from £50
- Choose from 5 funds - cautious to daring
- Managed by Coutts investment managers
The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
Key info
- Instant access
- Apply online in 5 minutes
- This account is to be opened by a parent/guardian in trust for a child who is under 16 years old.
AER/Gross p.a. (variable)
Eligibility criteria and conditions apply.
Work towards your savings goals today
Got specific financial goals but don't know where to start? We're here to help. Discover the best strategies for saving towards your goals, and get tips for staying motivated along the way. Plus, explore tools and resources that could help track your progress and achieve your savings goals faster.
Can I have a joint savings account?
Yes, we offer joint savings accounts as well. These could be a great way to save towards a joint goal with someone else. For more information see our Joint Savings Accounts page via the link below.
Manage your existing savings account
Find out how you can use our Savings Goal Tool using your mobile app as well as other top tips to help you save. You can log in and manage or close your savings account and learn about your personal savings allowance.
Financial Services Compensation Scheme
Your eligible deposits held by a UK establishment of 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.
Find out more (PDF, 3k KB) about the scheme and how it protects your money.
Investments through NatWest Invest may also be covered by the Financial Services Compensation Scheme in some scenarios. You can find out more here.