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Access your funds anytime and earn interest when you save

Business Reserve

To apply you must be aged 18 or over, be resident in the Channel Islands, Isle of Man or Gibraltar and be the owner or director of the business you’re applying on behalf of. Your registered business address must be in the Channel Islands, Isle of Man or Gibraltar, and/or the business must be registered for tax purposes in one of those jurisdictions.

The business must have a single layer of ownership with no nominee shareholding structures. All owners, directors or shareholders must be resident in the Channel Islands, Isle of Man or Gibraltar. Cash takings must not exceed 20% of the annual turnover.

Instant access to your business savings

Whether you're saving for bills, equipment or to expand your business, our Business Reserve savings account lets you earn interest and have instant access to your funds.

  • Access to your business savings instantly 
  • No penalties for withdrawal
  • Save between £1 and £2,000,000
  • Interest calculated daily and applied monthly

Interest rates

Rate effective from 29th May 2025
Balance
£1 – £2,000,000
AER p.a. (variable)
1.31%
Gross p.a. (variable)
1.30%
Interest rates are subject to variation. Interest will be applied on the last business day of each month and calculated on the business day before it’s applied.

Definitions

Here's what some of the words we use mean.

Annual Equivalent rate (AER) shows you what the rate would be if the interest was paid and compounded each year.

Gross Rate means the interest rate you are paid without deduction of income tax.

p.a. means Per annum (per year).

Depositor Compensation Schemes

Under the scheme(s) customers are entitled to make only one claim per licensed entity regardless of the number of brands or trading names contained within that licensed entity and customers are entitled to make one claim only per licensed entity in the jurisdiction where the deposits are held.

Therefore as NatWest International brand is operated by RBS International it is not licensed in its own right. A person with a deposit in NatWest International and a deposit in RBS International would thus only be entitled to make one claim.

Ready to apply?

Before you apply for a Business Reserve account, please review our eligibility criteria, important information and privacy details so you can make sure it's the right account for you.

Eligibility criteria

To apply for an account with NatWest International you must be:

  • aged 18 or over
  • resident in the Channel Islands, Isle of Man or Gibraltar
  • the owner or director of the business you’re applying on behalf of

and the business:

  • registered address must be in the Channel Islands, Isle of Man or Gibraltar, and/or be registered for tax purposes in one of those jurisdictions
  • must have a single layer of ownership with no nominee shareholding structures with all owners, directors or shareholders resident in the Channel Islands, Isle of Man or Gibraltar
  • cash takings must not exceed 20% of the annual turnover

Please review our important information

Please take some time to review the following documents as we will ask you to confirm you’ve read these as part of the application form. These documents can be downloaded and saved to your computer for future reference.

How your information might be used

It's important for you to understand how we use and share your information. Please read our privacy notice for details on how we use your information and your rights.

Let's get started

To help you apply for a business reserve account, we'll need to ask a few questions.

Continue

Before you continue...

We can open a business reserve account for the following types of business:

  • Sole trader
  • Partnership
  • Limited Company
  • Limited Liability Partnership
  • Not for Profit Company

If your business type is not listed, please call your local Business Banking support team to discuss your requirements.

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Where are you based?
Are you resident in the Channel Islands, Isle of Man or Gibraltar?
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Are you an existing or new business customer with us?
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You can complete your application online

This is the fastest way to complete your application.

Once we receive all your information, we'll review the application and will be in touch.

We may use Mitek, our online identification and security partner, to check your identity. To see which documents are accepted for proof of identity and address you can visit our Mitek page.

By starting your application, you consent to the following:

  • Identity verification using our security partner Mitek.

If you'd like to apply over the phone instead, please call:

Jersey: 01534 282961 (Relay UK: 18001 01534 282961)

Guernsey: 01481 703845 (Relay UK: 18001 01481 703845)

Isle of Man: 01624 697741 (Relay UK: 18001 01624 697741)

Gibraltar:  00350 200 14400

Lines are open ‍Monday ‍to ‍Friday, ‍9am-5pm. Calls from Gibraltar are chargeable at UK calling rate. Calls may be recorded.

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Start application

You can only apply if you are an existing business banking customer

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Business banking

We're sorry...

Our business reserve account is only available to applicants resident in the Channel Islands, Isle of Man or Gibraltar.

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