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Start saving with the Digital Regular Saver now

Our Regular Savings Account | NatWest

To apply, you must be 16+ and hold a NatWest current account, and this must be your only Digital Regular Saver account.

Apply for our regular savings account

Build a saving habit and steadily grow your money over time with our Digital Regular Saver.

Join over 1.5 million NatWest customers in discovering the benefits of a regular savings account.

Take a look at the features and open a Digital Regular Saver today.

Why choose a Digital Regular Saver?

Earn 6.17% / 6.00% AER/Gross p.a. (variable) interest on your first £5,000 and 1.60% / 1.59% AER/Gross p.a (variable) on anything over £5,000.

Save between £1 and £150 per month, with free anytime instant access to your savings.

Rewards for saving regularly, giving you a better interest rate (up to £5,000) if you do.

Top up your savings with Round Ups and Rewards (which won't count toward the £150 monthly limit). Eligibility criteria and conditions apply.

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Eligibility criteria and conditions apply

Build your savings habit with our Digital Regular Saver

Watch our short video to see what you need to know before you apply.

How Digital Regular Saver works

What is a regular savings account?

A regular savings account rewards you for saving like clockwork. You can set up a standing order from your current account to pay in the same amount each month.

You could even get a better interest rate for saving regularly.

Get started

Applying for a Digital Regular Saver is quick and easy. Just hit the ‘Continue’ button below to log in to the NatWest mobile app.

You can then set up a standing order to pay in £1-£150 a month.

Check out our savings tools

Try the handy digital savings tools in our mobile app.

Use the Savings Goal Tool and Round Ups to help reach your targets faster.

Flex your savings when you need to

You can change your standing order whenever you need to, or top-up your monthly contribution if you haven't already hit your £150 limit for the month.

Pros and cons of regular savings accounts

Pros

  • Gets you into the swing of saving. You’ll save a set amount each month, with the money paid in automatically.
  • Access your cash whenever you like. You won’t need to lock your money away.
  • Potential for higher interest rates. By committing to monthly saving, you could earn better rates than other accounts.
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Cons

  • Monthly limit on deposits. You can only save up to £150 each calendar month.
  • Interest rates could change. Our Digital Regular Saver offers variable interest, meaning rates may rise or fall.
  • Designed for existing customers. You’ll need a NatWest bank account to apply.
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Summary Box

Account name: Digital Regular Saver

What is the interest rate?

Can NatWest change the interest rate?

Yes, we may change the rate up or down. There are a few reasons for this, such as a change in the Bank of England base rate. We’ll give you at least 14 days’ notice if the rates are going down and your balance is £100 or more. Otherwise we’ll tell you before or shortly after the change.

You can find more detail on the reasons for an interest rate change and how we'll tell you about this in section 9.2 of the Savings Account Terms (PDF, 474 KB).

What would the estimated balance be after 12 months based on a range of deposits?

How do I open and manage the Digital Regular Saver?

What you'll need to apply

  • You must be a UK resident, aged 16 years or over and a NatWest current account holder.
  • The Digital Regular Saver is for NatWest current account holders. So, you’ll need to have one of our bank accounts first. Compare the different options.
  • You can open here via Online Banking or through our mobile app.
  • You can only have one Digital Regular Saver and it needs to be in your name. Joint accounts aren’t allowed.
  • We’ll need an email address and mobile number to open your account. You can update them online.

Managing your monthly savings account

  • You can manage your account via Online Banking, on our mobile app, in branch or by telephone.
  • If you close your account, you will not earn interest for the month of closure.

More information on our Digital Regular Saver

Can I withdraw money?

Yes, you can withdraw your money at anytime. Simply move the amount you want to your current account held with us using Online Banking, mobile app, in branch or by telephone.

If you close or switch your current account with us in future, you will only be able to withdraw money from your account in branch.

Definitions

Banking can be confusing sometimes. Here's what some of the words we use mean.

Get ready to apply

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.

First things first. Please take a look at the important legal info:

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.

Ready to apply?

Before you start your application we need to check a few things.

Remember, to apply for a Digital Regular Saver account, you must be aged 16 or over, be a UK resident and hold a NatWest current account.

Do you already have an existing Digital Regular Saver?

Sorry, you can't apply for another Digital Regular Saver account.

You can only hold one Digital Regular Saver but don’t worry, we have a range of other savings accounts which may suit your savings needs.

Do you have our NatWest app on a mobile device?
If you're registered for our app on a mobile device, we can pre-fill some of your info, making the application process faster.

Great, let's get your application started.

Remember, to apply for a Digital Regular Saver account, you must: 

  • Be a current account customer.
  • Be aged 16 or over and a UK resident.

Using a desktop or have the app on another device?

Simply scan the QR code with your mobile or tablet device that has the NatWest app and we'll get you started.  

Can't scan the QR code?

Using your mobile or tablet device now?

If you're already using a device with the NatWest app, select the 'Start your application' button below.

Do you use Online Banking?
If you log in to Online Banking we can pre-fill some of the application for you.

Log in to NatWest Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in, select 'Savings accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Remember, to apply for a Digital Regular Saver account, you must: 

  • Be a current account customer.
  • Be aged 16 or over and a UK resident.

Let’s get you registered for Online Banking

You’ll need to sign up for Online Banking with us in order to apply for a savings account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your NatWest Debit Card, if you have one.

Once you’ve registered, select ‘Next’ to log in and apply for a Digital Regular Saver account. 

Log in to NatWest Online Banking

  1. Enter your customer number or 16-digit card number to get started. 
  2. You'll then need to enter your Online Banking pin and password.
  3. Once you're logged in, select 'Savings accounts' from the product list. 
  4. Finally, choose the account you want to apply for and complete your application.

Want to reach your savings goals quicker?

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.

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. 

Discover our savings accounts

Stash the cash for your future with one of our many savings accounts. Whether you're saving for the long term, or for a certain goal, we could have an account for you. Specific account eligibility criteria apply.