Back to main menu
Search
Search
Overlay

Instant access savings with Business Reserve

Get instant access to your money while earning interest on your savings.

To apply, you must have a business current account or Business Cash Management account with us. Business Reserve accounts are available to eligible customers aged 18 or over who are resident in the Channel Islands, Isle of Man or Gibraltar. Minimum deposit £1.

Instant access to your business savings

Whether you're saving for bills, new equipment or to expand your business, Business Reserve helps you earn interest. You can withdraw funds whenever you need it with no notice or penalties.

  • Instant access whenever you need it
  • No maximum balance
  • No withdrawal penalties
  • Interest calculated daily and paid monthly
Information Message

Please read the Summary Box below which gives you key information.

Summary Box

Account name: Business Reserve Account

What is the interest rate?

Currency
£1+
AER p.a. (variable)
1.06%
Gross p.a. (variable)
1.05%
Interest rates are subject to variation. Interest is calculated daily and is applied on the last business day of each month.
Definitions explained

Can NatWest International change the interest rate?

Yes, the rate is variable. We can change rates for any of the reasons set out in the Non-Personal Terms, such as responding to a change in the Bank of England’s base rate.

  • If rates are going down, we’ll give you at least 14 days’ notice.
  • If rates are going up, we’ll tell you before the change or at the earliest opportunity afterwards.

For more details, please read section 10.3 of the Non-Personal Terms.

What would the estimated balance be after 12 months based on a range of deposits?

Initial deposit
£10,000
£100,000
£250,000
Balance after 12 months
£10,105.51
£101,055.07
£252,637.67
Interest earned
£105.51
£1,055.07
£2,637.67
These are only examples and do not take into account your particular circumstances. They assume that no further deposits or withdrawals are made, there is no change to interest rates and any interest earned stays in the account.

How do I open and manage my account?

To apply for this account

Opening your account

  • The minimum deposit is £1.
  • If you’re an existing business customer with a Relationship Manager, please speak to them to discuss your requirements.
  • If you’re new to NatWest International or don’t have a Relationship Manager, call your local Business Support Team to discuss.

Managing your account

  • There is no maximum balance limit.
  • You can manage your account using our online banking platforms, in branch or by telephone.

Can I withdraw money?

Yes, Business Reserve is an instant access account so you can withdraw your money at any time without giving notice.

Additional information

Annual Equivalent Rate (AER) shows the interest rate if interest is paid and compounded once each year. AER helps you to compare the rates of interest on different accounts.

Gross means the interest rate you are paid on your savings with no compounding.

p.a. stands for 'per annum' (per year).

How to apply

Before you apply for a Business Reserve account, please review our eligibility, important information and details on how we use your information so you're sure it's the right account for you.

Who is eligible to apply?

You can apply for a Business Reserve account if you’re:

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

and your business has:

  • a registered address and/or is registered for tax purposes in the Channel Islands, Isle of Man or Gibraltar
  • 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 that don’t exceed 20% of your annual turnover

Important information

To open a Business Reserve account, you’ll need to have a business current account or Business Cash Management account with us.

Please review our important information

If you continue to apply, you’re confirming that you’ve been provided with and have acknowledged our important documents.

How your information might be used

We want you to feel confident about how your information is used and shared. Before you continue, please read our privacy notice.

Apply for a Business Reserve account

If you’re an existing business customer with a Relationship Manager, please speak to them to discuss your requirements.

If you’re new to NatWest International or don’t have a Relationship Manager, call your local Business Support Team to discuss.

Information Message

Lines are open Monday to Tuesday 9:30am - 4:30pm, Wednesday 10:00am - 4:30pm and Thursday to Friday 9:30am - 4:30pm (except public holidays). Calls may be recorded.