Best NatWest savings accounts compared
NatWest offers a broad range of savings accounts with interest rates up to 6.17%.

NatWest is one of the big four banks, with a big selection of savings accounts to choose from, from regular savers to fixed rate bonds. 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 6.17% is available on its regular savings account.
We currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseThe 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 |
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Best easy access rate | 1.4% |
Best cash ISA rate | 3.75% |
Best fixed-rate bond rate | 4% |
Best regular saver rate | 6.17% |
Best business savings account rate | 3.49% |
Fixed bond terms | 1 year 1 month - 2 years 1 month |
Opening options | Branch, website, mobile app, telephone |
FSCS protection |
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.
NatWest has all bases covered. Didn’t find the account type you were looking for? Check our other guides:
In 1968 NatWest was formed out of a merger between National Provincial Bank and Westminster Bank. NatWest offers a range of products to suit all banking requirements. Since then, NatWest has been a regular presence on high streets up and down the UK – with over 600 branches across the country.
In March 2000, the Royal Bank of Scotland (RBS) completed the acquisition of NatWest in a £21 billion deal – the largest in British banking history. As a result, NatWest is now part of one of the world’s largest financial services groups. In July 2020 the banks’ parent company was renamed to NatWest Group to reflect the fact that most of its business was done through the NatWest brand.
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. The app was voted ‘Best Banking App’ in the British Bank Awards 2017. On the app, you can:
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.
In our independent 2024 customer satisfaction survey, 88% of NatWest’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s excellent customer service. However, some cited that its rates could be more competitive. Here’s what some of those NatWest customers had to say:
“I’ve been a customer of NatWest for many years. Their customer service remains among the best out there, and their products are fabulous.”
“When I went in branch, a staff member sat with me and helped mt to find the best savings account for me. I opened the account then and there.”
On the Apple App Store, NatWest is rated 4.8 out of 5 stars from almost 800,000 reviews. On the Google Play Store, NatWest is also rated 4.8 out of 5 stars, from more than 420,000 reviews (January 2025).
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.”
Email support | |
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Telephone support | |
In-app or live chat | |
Contact form | |
Branch support |
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.
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