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.
Power up your tax-free savings with an ISA
Get the most out of your 2024/2025 tax-free ISA allowance.
Rates up to 3.80% AER/tax-free, fix your savings for 1 or 2 years with our Fixed Term, Fixed Rate ISA. See product information below. Specific eligibility criteria and early charges apply.
Digital Regular Saver
6.17% AER / 6.00% Gross p.a. (variable) on balances up to £5,000, 1.60% AER / 1.59% 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.
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 3.80% / 3.74% AER/Gross on balances between £1 - £5,000,000
2 year terms - earn 3.40% / 3.35% 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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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.
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.