Access to your savings, whenever you need them

You'll earn one rate of interest on your entire account balance. There are no regular saving conditions or monthly bonus conditions with this account.

Interest is calculated daily and paid on the first business day of the month and at account closure. You’ll be able to see and access the interest in your account on the following day.

Yes, you can withdraw or transfer your money at any time without giving notice. You can make payments from your account if the cleared for funds balance on your account is sufficient.

You can withdraw or transfer money:

• online, by telephone banking or within the mobile app
• by written instruction

Applicable T&C’s must be signed.

Charges vary depending on the amount and currency and how the payment is initiated. Please refer to our Personal Banking Account Terms and Fees for more details.

Yes, the interest rate is variable. The rate may increase or decrease for any of the reasons set out in Term 10.3 of the Personal Banking Account Terms and Fees which to account for the Bank of England's base rate changes or changes in the rates paid by other banks.

If the rates are going down we'll give you at least 60 days' notice. If they are going up, we'll inform you before the change or shortly afterwards. Term 10.4 of the Personal Banking Account Terms and Fees contains details of the notice we'll give you and our Savings Rates and Information sheets details information and rates about Instant Saver.

NatWest International is a participant in the Jersey Bank Depositors Compensation Scheme. The Scheme offers protection for eligible deposits of up to £50,000. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period.

Full details of the Scheme and banking groups covered are available on the Government of Jersey website www.gov.je/dcs or on request.

NatWest International is a participant in the Guernsey Banking Deposit Compensation Scheme. The scheme offers protection for ‘qualifying deposits’ up to £50,000, subject to certain limitations. The maximum total amount of compensation is capped at £100,000,000 in any 5 year period.

Details are available from: Website: www.dcs.gg. Telephone: +44 (0)1481 722756. Post: P.O. Box 380, St Peter Port, GY1 3FY.

Deposits made in a Guernsey Branch will not be covered by any equivalent scheme in any jurisdiction outside of the Bailiwick of Guernsey.

NatWest International is a member of the Isle of Man Depositors’ Compensation Scheme (DCS) as set out in the Depositors Compensation Scheme Regulations 2010.

To understand your eligibility under the scheme you may wish to visit the Isle of Man Financial Services Authority website.

The Royal Bank of Scotland International Limited trading as NatWest International is covered by the Gibraltar Deposit Guarantee Scheme (‘GDGS’). The GDGS can pay compensation to depositors if a credit institution is unable to meet its financial obligations. Ordinarily, most depositors – including individuals, corporations and small businesses – can claim back up to EUR 100,000 of their deposits (or EUR 100,000 for each eligible account holder if it’s a joint account). However, there are important exclusions which apply to certain depositors, which are set out on the website of the GDGS.

For further information about the compensation provided by the GDGS refer to: www.gdgb.gi.