Individual account eligibility criteria and conditions may apply.
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Savings
Find the right savings account for you
How can we help you save?
We will soon be reducing some of our interest rates, see the changes here.
Fancy £50 towards your savings on us?
You could get up to £175 when you switch your current account to us and open a Digital Regular Saver.
We could give you £125 when you switch a current account held elsewhere to us, and we could also help you kickstart your savings with an extra £50.
How our bank account Switch offer works:
- Open an eligible Select or Reward account and switch to us using the Current Account Switch Service.
- Within 60 days of switching, pay in £1,250 and log in to our mobile app.
- When you’ve met these conditions and your account remains open, we’ll pay you £125.
If you then open a Digital Regular Saver, we’ll give you an extra £50.
Limited availability offers. T&Cs and restrictions apply. Specific account eligibility criteria and conditions apply. Account fees may apply.
Digital Regular Saver
£175 Switch offer now available.
5.50% AER / 5.37% Gross p.a. (variable) on balances up to £5,000, 1.15% AER / 1.14% Gross p.a. (variable) on balances over £5,000.
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Eligible current and savings account required. Conditions and app criteria apply. Exclusively for current account customers, aged 16 and over. UK residents only. £175 Switch offer available to new and existing customers who don’t hold a NatWest current account. T&Cs and restrictions apply.
ISAs
Make the most of your £20,000 ISA allowance for the current tax year
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You can only hold one Instant Access ISA with the Royal Bank of Scotland. You must be a UK resident aged 18+. Tax free interest means interest payable is exempt from UK Income Tax.
Instant Access ISA
Great for tax-free flexible saving
Enjoy tax-free interest on your savings up to £20,000
Open with as little as £1 and top up on the go
Access your money anytime, anywhere
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Fixed Rate ISA
Tax-free savings on balances starting from £1000
Any interest earned won't be taxed up to £20,000 for the current tax year
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Flexible Saver
A simple and flexible savings account for you to save what you can, when you can.
Earn a better rate of interest on balances over £25,000
Get instant, easy access to your savings whenever you need them
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Fixed Term Savings
Lock away your savings with our fixed term, fixed rate savings account.
Fix your savings pot on balances between £1 - £5,000,000
1 year terms - earn 4.00% / 3.93% AER/Gross on balances between £1 - £5,000,000
2 year terms - earn 3.80% / 3.74% AER/Gross on balances between £1 - £5,000,000
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Children's savings accounts
Invest in their future with our First Saver account
Access funds instantly, if you need them.
This account is to be opened by a parent/guardian in trust for a child who is under 16 years old.
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Calculate and compare your potential savings
Calculate and compare your potential savings
Enter a few details and get an idea of what your balance could look like.
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Our calculations are done with today's interest rates - these could change in the future. The projected balances below assume you won't withdraw any money.
Saving
Savings have the advantage of being dependable, predictable and easy to access. If you know you'll need a set amount of money in the next 12 months, for example, then regularly depositing in a savings account may be the best solution. Savings will grow over time as more money is put away, and any interest paid accrues on your balance.
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Investing
If you are saving for a longer-term goal, typically five years or more, investing your money has the potential to grow your money and help protect your buying power from the effects of inflation.
The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.
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Tools to help monitor your savings
Our savings tools can help you to gain control over what’s coming in, what’s going out and how you could save more.
Manage your existing savings account
Your savings hub can help you find out about your interest rate and when you will be paid the interest you've earnt. Help your savings grow by using our tools and top tips. And you can learn about your personal savings allowance. Manage your account by clicking below and logging in.
Round Ups
Save your spare change with Round Ups. If you want to reach your savings goals even faster, try multiplying the spare change you save - multiply by 2, 3, 4 or 5 in your app.
Financial Services Compensation Scheme
Your eligible deposits held by a UK establishment of Royal Bank of Scotland 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 about the scheme and how it protects your money.