Easy access
Best NatWest savings accounts compared
NatWest offers a broad range of savings accounts with interest rates up to 5.25%.
If you're set on saving with a high street bank, NatWest could be worth considering, but in this overview we call out which of its savings rates come up short against competitors'. NatWest's top savings rate of 5.25% is available on its regular savings account.
Easy access savings accounts
Table: sorted by interest rate
NatWest's best easy access rate of 1% is significantly lower than today's market-best rate of 6%.
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How we picked theseCash ISAs
Table: sorted by interest rate
NatWest's best cash ISA rate of 4.25% is slightly lower than today's market-best rate of 4.87%.
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How we picked theseFixed-rate bonds
Table: sorted by interest rate
NatWest's best fixed-rate bond rate of 4% is slightly lower than today's market-best rate of 5%.
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How we picked theseRegular savings accounts
Table: sorted by interest rate
NatWest's best regular savings account rate of 5.25% is significantly lower than today's market-best rate of 8%.
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How we picked theseBusiness savings accounts
Table: sorted by interest rate
NatWest's best business savings account rate of 2.5% is significantly lower than today's market-best rate of 4.76%.
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What is NatWest's best savings account with the highest interest rate?
The best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.
Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts NatWest offers, plus the highest interest rate currently available.
| Savings account types include | Easy access, cash ISAs, fixed-rate bonds, regular savers, business |
|---|---|
| Best easy access rate | 1% |
| Best cash ISA rate | 4.25% |
| Best fixed-rate bond rate | 4% |
| Best regular saver rate | 5.25% |
| Best business savings account rate | 2.5% |
| Fixed bond terms | 1 year - 2 years |
| Opening options | Branch, website, mobile app, telephone |
| FSCS protection |
What’s the difference between instant access and easy access?
Instant access and easy access accounts tend to have fewer restrictions than some other savings accounts. These types of accounts typically allow withdrawals instantly or within 1 day, and have no penalties attached to withdrawing cash.
For an account to be easy access rather than instant access, it means there may be a short wait when you want to take money out and there can be limits on the number of withdrawals you can make.
In our easy and instant access tables, we show products that are variable rate accounts or cash ISAs, that allow instant withdrawals or withdrawals within 24 hours, and that have no penalties attached. However, for some products, there may be a limit to the number of withdrawals you can make in a specified amount of time.
Other popular accounts
NatWest has all bases covered. Didn’t find the account type you were looking for? Check our other guides:
Does NatWest offer online or mobile banking?
NatWest offers both!
Customers can manage their finances through a secure online portal, or via a mobile app.
The NatWest app is available to its customers with UK mobile numbers. On the app, you can:
- Log in securely with fingerprint or facial recognition
- View transactions
- Set up favourite payees
- Get real-time notifications when you spend, receive or move money
- Set up text alerts to keep up to date with account balances
- Freeze and unfreeze your bank card
- See and download bank statements
- View personalised coaching plans to help you manage your money
- Use the payments hub to send and request money at the tap of a button
- Check your credit score for free
How do I decide which account is for me?
You need to work out what it is you need from a savings account. Are you looking to put a bit of money away each month? Are you comfortable restricting access to your money in exchange for a higher rate of interest? When will you need the money?
You need to work out what you need before comparing the different offers available for certain types of account.
For many savers, getting a decent rate of interest will be the main goal while making sure they have the right level of access. Interest rates between banks can vary wildly and NatWest might not necessarily offer the best deals, so make sure you shop around and compare what other banks have to offer.
What do customers say about NatWest?
83% of customers we surveyed in 2026 would recommend NatWest to a friend.
It provides a straightforward, easy-to-manage savings experience with a reliable website and helpful support via web chat or telephone. Customers appreciate the regular updates and feel safe keeping their money with a familiar high street name.
On the downside, many users feel the interest rates are not particularly competitive, and some were disappointed when the bank stopped issuing cashpoint cards for savings accounts.
AI-generated summary from the text of customer reviews on Finder.
The high street banks tend to be the worst culprits when it comes to passing on higher interest rates to savers, so compare NatWest’s accounts to the rest of the market to make sure you get a good deal.”
NatWest and Finder Awards
Our Finder Awards celebrate brands that truly stand out in their field. NatWest is one of these brands and has won multiple awards!
- 2025 Provider of the Year Award (Current Account Rewards)
- 2025 Provider of the Year Award (Premier Bank Account)
The pros and cons of saving with NatWest
Pros
- Wide range of app features. The NatWest app makes it simple to keep an eye on your finances. In 2026, it includes advanced features like a subscription manager, "Round Ups" to save spare change, and a carbon footprint tracker.
- Flexibility. NatWest offers a range of accounts for any sort of financial need, including the market-leading Digital Regular Saver which currently offers up to 7% AER for those switching their main current account.
- Face-to-face support. NatWest maintains a significant high street presence. While closures continue in 2026, they still operate hundreds of branches across the UK, providing face-to-face customer service that digital-only banks lack.
Cons
- Better rates elsewhere? High street banks are typically slow to pass on rate rises to savers. It helps to shop around to find out where you can get the best deal, as their standard easy-access rates often trail behind digital challengers.
- Branch closures. Despite their physical footprint, NatWest has confirmed a further round of branch closures for 2026 and 2027. It is important to check if your local branch is scheduled to shut down in the coming months.
Customer service information for NatWest
| Email support | |
|---|---|
| Telephone support | |
| In-app or live chat | |
| Contact form | |
| Branch support |
Our verdict: Is a savings account from NatWest worth it?
NatWest’s regular and fixed-term savings accounts are competitive, so NatWest could be a good option if you’re looking for an account with a high-street bank. But if you want an easy-access savings account, you may want to compare rates using our best easy and instant access savings accounts page.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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