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Business Fixed Term Deposits

Earn a guaranteed rate of interest when you deposit your money for a fixed term.

To apply, you must have a Business Cash Management account. Business Fixed Term Deposits are available to eligible customers aged 18 or over who are resident in the Channel Islands, Isle of Man or Gibraltar. Minimum deposit of £25,000 (or the currency equivalent).

Fixed-rate savings for your business

Lock in a fixed interest rate so you know exactly how much your money will earn. It’s a simple way to put your cash to work.

  • Available in GBP, EUR and USD
  • Terms from 1 to 12 months
  • Minimum deposit £25,000 (or the currency equivalent)

You won’t be able to add or withdraw money from your Business Fixed Term Deposit until the end of the term.

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

Summary Box

Account name: Business Fixed Term Deposit

What’s the interest rate?

Actual rates depend on when the deposit is fixed, term and currency. The table shows sample rates as at 26th February 2026.
Term length (GBP)
1 month
3 months
6 months
9 months
12 months
AER/Gross p.a. (fixed)
2.88%
3.49%
3.70%
3.70%
3.72%
Interest rates for our Business Fixed Term Deposits are set daily. The above interest rates are an indication only. Please contact us for the latest rates. We'll provide you with an exact rate before you fix the deposit. Interest is calculated daily from the date of your deposit and will be paid into your Business Cash Management account on the maturity date.
Term length (EUR)
1 month
3 months
6 months
9 months
12 months
AER/Gross p.a. (fixed)
1.13%
1.83%
2.09%
2.13%
2.16%
Interest rates for our Business Fixed Term Deposits are set daily. The above interest rates are an indication only. Please contact us for the latest rates. We'll provide you with an exact rate before you fix the deposit. Interest is calculated daily from the date of your deposit and will be paid into your Business Cash Management account on the maturity date.
Term length (USD)
1 month
3 months
6 months
9 months
12 months
AER/Gross p.a. (fixed)
2.81%
3.50%
3.72%
3.69%
3.66%
Interest rates for our Business Fixed Term Deposits are set daily. The above interest rates are an indication only. Please contact us for the latest rates. We'll provide you with an exact rate before you fix the deposit. Interest is calculated daily from the date of your deposit and will be paid into your Business Cash Management account on the maturity date.
Please contact us for other fixtures and the latest rates.
Definitions explained

Can NatWest International change the interest rate?

No, the interest rate is fixed for the term of your deposit. This means that the rate will not change between the date you open a fixed term deposit and the maturity date.

What would the estimated balance be based on a range of terms?

The table below shows estimated balances for some of our Fixed Term Deposits as at 26th February 2026.
Term length
1 month
3 months
6 months
9 months
12 months
Deposit at start date
£50,000
£50,000
£50,000
£50,000
£50,000
Interest earned
£120.02
£436.71
£925.18
£1,386.82
£1,858.28
Balance at maturity date
£50,120.02
£50,436.71
£50,925.18
£51,386.82
£51,858.28
These are only examples and do not take into account your particular circumstances. Interest is paid at maturity.
Term length
1 month
3 months
6 months
9 months
12 months
Deposit at start date
€50,000
€50,000
€50,000
€50,000
€50,000
Interest earned
€47.26
€228.38
€523.25
€798.19
€1,078.35
Balance at maturity date
€50,047.26
€50,228.38
€50,523.25
€50,798.19
€51,078.35
These are only examples and do not take into account your particular circumstances. Interest is paid at maturity.
Term length
1 month
3 months
6 months
9 months
12 months
Deposit at start date
$50,000
$50,000
$50,000
$50,000
$50,000
Interest earned
$117.22
$437.50
$929.88
$1,383.23
$1,829.80
Balance at maturity date
$50,117.22
$50,437.50
$50,929.88
$51,383.23
$51,829.80
These are only examples and do not take into account your particular circumstances. Interest is paid at maturity.
Please contact us for other fixtures.

How do I open and manage my account?

To apply for this account

  • To open a Business Fixed Term Deposit, you must have a Business Cash Management account with us.
  • Business Fixed Term Deposits are available to eligible customers aged 18 or over who are resident in the Channel Islands, Isle of Man or Gibraltar.
  • The minimum deposit for a Business Fixed Term Deposit is £25,000 (or the currency equivalent).

How to open a Fixed Term Deposit

  • Once your Business Cash Management account is open, you can open a fixed deposit using our online banking platforms, by telephone or in branch. 

Managing your account

  • Once your Business Fixed Term Deposit starts, you won’t be able to add more money to it.
  • We’ll send you a deposit contract within 14 business days to confirm your deposit details.
  • You can’t take money out of your deposit until the fixed term ends.
  • When your deposit matures, we’ll pay your deposit and any interest earned into your Business Cash Management account.
  • Once the deposit matures, if you no longer require the Business Cash Management account, please advise us in writing to close the account.

Can I withdraw money?

Early withdrawals or early closure before the Maturity Date of a Business Fixed Term Deposit are not permitted.

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 Fixed Term Deposit, 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 Fixed Term Deposit 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
  • depositing at least is £25,000 (or the equivalent in Euros or US Dollars)

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 and manage your Business Fixed Term Deposit accounts, you’ll need a Business Cash Management account.

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 Fixed Term Deposit

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.

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