Part of our NatWest — Complete Guide 2026 hub.
NatWest offers a small but practical range of savings accounts covering the main savings needs: easy access, regular saving, fixed-rate, and ISA. Rates tend to be competitive enough for convenience savers, but if you’re focused on getting the best return on your money, a comparison with best-buy providers is always worth doing before opening.
NatWest Savings Accounts: What’s Available
NatWest currently offers four main savings products for personal customers:
1. Instant Saver (Easy Access)
NatWest’s standard easy access savings account. There’s no fixed term, and you can withdraw your money whenever you need it. The interest rate is variable, so it can change at any time with notice.
Best for: money you might need at short notice — an emergency fund or short-term savings pot.
2. Digital Regular Saver
The Digital Regular Saver is designed for people building a savings habit. You can save between £1 and £150 per month and the account typically pays a higher rate for the first 12 months, after which it drops to the standard variable rate.
It’s only available to NatWest current account holders and can only be managed through the NatWest app — you can’t access it in a branch or through online banking.
Best for: regular monthly saving where you want a disciplined approach and can lock away small amounts each month.
3. Fixed Rate Saver (Fixed-Rate Bond)
NatWest’s Fixed Rate Saver locks your money away for a set term — typically 1 or 2 years — in exchange for a guaranteed rate of interest. You can’t access the money early without penalty.
Minimum deposit is typically £1,000. The fixed rate won’t change during the term, which makes budgeting easier and protects you if variable rates fall.
Best for: money you won’t need for 1–2 years and want a predictable return on.
4. Cash ISA
NatWest offers a Cash ISA that allows you to save tax-efficiently up to the annual ISA allowance (£20,000 in 2026/27). Interest earned inside an ISA is completely free of UK income tax.
NatWest’s Cash ISA is available in both instant access and fixed-rate versions. You can transfer existing ISAs from other providers into a NatWest ISA.
Best for: tax-efficient saving, especially for higher earners who’ve used their Personal Savings Allowance.
NatWest Savings Rates: Are They Competitive?
NatWest’s rates are generally in the mid-range — above some legacy banks, but below the best-buy rates offered by dedicated savings providers and newer banks.
As a rough guide:
| Account Type | Where NatWest Typically Sits |
|---|---|
| Easy access | Below best-buy rates |
| Regular saver | Competitive introductory rate |
| Fixed-rate bond | Mid-range |
| Cash ISA | Below top ISA rates |
Rates change frequently, so always check the current rate on the NatWest website and compare against best-buy tables before opening.
For the best easy access rates currently available, see our Best Easy Access Savings Accounts UK guide.
For the best ISA rates, see our Best Cash ISA guide.
Is My Money Safe with NatWest?
Yes. NatWest is authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA). Savings held with NatWest are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person (£170,000 for joint accounts).
NatWest and Royal Bank of Scotland (RBS) share the same banking licence, so if you hold savings with both, the £85,000 FSCS protection applies across both brands combined — not separately.
How to Open a NatWest Savings Account
If you’re an existing NatWest customer:
- Open the NatWest app
- Tap Products or Savings
- Choose the account type you want
- Follow the on-screen steps — most accounts open instantly
If you don’t have a NatWest current account:
You’ll generally need to open a current account with NatWest first before you can access their savings accounts. NatWest does not typically offer standalone savings accounts to non-customers.
NatWest Savings vs Alternatives
If your main goal is maximising interest, it’s worth comparing NatWest against:
- Marcus by Goldman Sachs — consistently strong easy access rates
- Chase UK — competitive easy access saver with round-up features
- Atom Bank — strong fixed-rate bonds
- Coventry Building Society — historically good ISA rates
These providers often offer higher rates than high-street banks because they have lower branch overheads.