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Royal Bank of Scotland savings accounts
Royal Bank of Scotland offers a broad range of savings accounts with interest rates up to 5.25%.
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Royal Bank of Scotland, commonly known as RBS, is one of the UK’s leading high street banks with around 700 branches throughout Scotland, England and Wales. Its high street presence makes it a good choice if you want to manage your savings accounts in branch. There is a wide array of savings options from ISAs to regular savings accounts.
Royal Bank of Scotland's top savings rate of 8% is available on one of its easy access accounts.
Easy access savings accounts
Table: sorted by interest rate
Royal Bank of Scotland's top easy access rate of 8% is the best currently on the market.
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How we picked theseCash ISAs
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Royal Bank of Scotland's best cash ISA rate of 4.4% is very slightly lower than today's market-best rate of 4.65%.
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How we picked theseFixed-rate bonds
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Royal Bank of Scotland's best fixed-rate bond rate of 4% is slightly lower than today's market-best rate of 4.75%.
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How we picked theseNotice savings accounts
Table: sorted by interest rate
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How we picked theseRegular savings accounts
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Royal Bank of Scotland's top regular savings account rate of 7.5% is the best currently on the market.
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How we picked theseBusiness savings accounts
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Royal Bank of Scotland's best business savings account rate of 4.55% is very slightly lower than today's market-best rate of 4.68%.
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What is Royal Bank of Scotland'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 Royal Bank of Scotland offers, plus the highest interest rate currently available.
| Savings account types include | Easy access, cash ISAs, fixed-rate bonds, notice accounts, regular savers, business |
|---|---|
| Best easy access rate | 8% |
| Best cash ISA rate | 4.4% |
| Best fixed-rate bond rate | 4% |
| Best notice account rate | 4.3% |
| Best regular saver rate | 7.5% |
| Best business savings account rate | 4.55% |
| Fixed bond terms | 1 year - 2 years |
| Notice account periods available | 14 days - 180 days |
| Opening options | Branch, website, mobile app, post, telephone |
| FSCS protection |
Other popular accounts
Didn’t find the account type you were looking for? Check our other guides:
Is it easy to switch to RBS?
RBS participates in the Current Account Switch Service which means it offers a ‘Switch Guarantee‘. This means it will make the switchover as painless as possible. Benefits of the Current Account Switch Service include:
- Transferring your payments from your old account (such as Direct Debits and bill payments)
- Transferring any balance from your old account
- Closing your old account
This should all be done within 7 working days.
The Current Account Switch Guarantee ensures your account will switch on the day of your choice, payments will be transferred to your new account, and if anything goes wrong, you’ll be refunded any interest or charges incurred.
How do I decide which account is for me?
You need to work out what it is you need from your savings account. Are you looking to put a bit of money away each month? Do you want to put some money away and restrict access to it? Are you hoping to maximise interest?
You need to work out what you need before comparing the different offers available for certain types of savings account. Once you’ve done that, useful guidelines to compare include:
- Interest rates
- Minimum and maximum balances
- Access to cash (if you need quick access for instance)
When you are looking for a new home for your savings think about the type of account you need. Royal Bank of Scotland offers higher interest rates on its fixed rate accounts, so if you don’t need instant access to your cash consider one of these accounts to boost your return.”
Does RBS offer online or mobile banking?
Yes, it offers both. Here are some of the basic features:
Online banking
- Check balances. For any type of account.
- Transfer money between accounts. In a matter of seconds.
- Pay bills and people. All within the online portal.
Mobile banking
- All of those features. On the go.
- Fingerprint or face login.
- Pay in cheques. Scan and pay in cheques with ease.
- Payments hub. Send, request and manage money at the tap of a button.
- Check your credit score. Keep an eye on your credit score for free.
The pros and cons of saving with RBS
Pros
- Branch-based banking. If you prefer to do your banking in person then RBS has 700 branches across the country.
- Online and mobile banking. The RBS app makes it simple to keep an eye on your finances.
- Flexibility. RBS offers a wide range of accounts for any sort of financial need.
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.
Customer service information for Royal Bank of Scotland
| Email support | |
|---|---|
| Telephone support | |
| In-app or live chat | |
| Contact form | |
| Branch support |
Our verdict
As one of the biggest high street banks in the UK, RBS offers a broad range of savings accounts. Whether you want easy access to your savings, to protect your money from the taxman with an ISA, or establish good savings habits with a regular saver, RBS has a suitable account.
However, its interest rates often lag behind the best buys so make sure you shop around before making a final decision.
Don’t forget to check our best savings reviews, to make sure RBS is right for you and see how it weighs up against other savings providers.
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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