Get on track with your financial goals. We offer a range of ISAs designed to help you save and invest tax-efficiently.
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Saving and Investing
Give your savings and investments a tax-efficient boost
You must be a UK resident aged 18+. You can only subscribe to one cash ISA with NatWest in current tax year (2024/25) up to £20,000. Tax free interest means interest payable is exempt from UK income tax. Tax reliefs referred to are those applied under current UK legislation, which may change.
Investing puts your capital at risk. The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria and fees apply.
Why choose an ISA?
ISAs offer tax-efficient ways to save your money without paying UK Income Tax or Capital Gains Tax on your interest or returns.
Take advantage of your £20,000 ISA allowance for this tax year (2024/25) before 5th April.
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Fixed rate cash ISA
Minimum deposit £1,000
Fix your savings interest rate so you know the amount of interest you'll get paid.
- With our one year fixed rate, you'll earn 4.00% AER/tax free p.a. (fixed)
- With our two year fixed rate, you'll earn 3.75% AER/tax free p.a. (fixed)
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For Fixed Rate ISA no withdrawals or deposits during the term. Available to new customers until 5pm on 12 March 2025. Available to existing customers until 17 March 2025. Please note that these issues may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. Early closure fees may apply.
Instant access cash ISA
Open a Cash ISA with £1
Tax-free interest and instant access to your money
- Instant access to your savings
- Tax-free interest on balances up to £20,000
- Get paid interest monthly directly into your Cash ISA
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You'll need to be a UK resident aged 18 or over to apply and can only pay into one cash ISA with NatWest in current tax year (2024/25) up to £20,000. Paying into an ISA is also called 'subscribing'.
Stocks and Shares ISA
Start investing from £50
Invest at a risk-level which suits your needs
- The choice of five different risk levels to invest in
- Low fees
- Could help protect your money from the effects of inflation
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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. Tax reliefs referred to are those applied under current legislation, which may change. The availability and the value of any tax relief will depend on your individual circumstances.
Saving with a cash ISA and investing with a Stocks and Shares ISA
Here's all you need to know
Cash ISAs are similar to a regular savings account. The difference is that the interest you earn is tax-free.
Stocks and Shares ISAs align more to investing because the value of your investments could go up and down depending on market changes.
In both cases you can only put in up to £20,000 each tax year.
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Learn more about ISAs
Our ISA guides are here to help you, whether this is your first time saving with an ISA, or you’re a seasoned investor.
Want to transfer an ISA to us?
We can do that!
People tend to switch ISAs to take advantage of competitive rates, low fees or to bring all their ISAs together in one place.
Once you apply for an ISA, simply tell us where you want to transfer your ISA from, and we’ll take care of the rest.
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Who looks after my investments?
Coutts is one of the best-known private banks in the world. NatWest has partnered with them since 1969.
Your investments will be managed by the experts at Coutts & Co and invested in a range of other funds from leading investing managers to spread the risk.
How is my money protected?
Eligible savings and investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). FSCS protects investments and savings with us up to £85,000. This means if NatWest Group were to cease trading, your money is protected.
This doesn’t include losses made as a result of investing.
Do you want to save for your children’s future?
Our Junior ISA might be right for you
Give your child a head start. Invest up to £9,000 per child tax-free for the current tax year (2024/25). This tax year ends on 5th April.
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