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Fix your savings interest rate over a fixed term

US Dollar Fixed Term Deposit

To apply you must be; aged 16+, resident in one of our listed countries, open the account with a minimum deposit of $10,000 and be a Cash Management account holder or open one at the same time that you open your US Dollar Fixed Term Deposit.

Why choose a US Dollar Fixed Term Deposit?

With our fixed interest rate, you'll always know how much your money will grow.

You can open a US Doller Fixed Term Deposit with just $10,000, over a term that suits you:

  • 3 months
  • 6 months
  • 12 months

We also offer Fixed Term Deposits in Sterling and Euros.

Remember, you won't be able to add or withdraw money from your Fixed Term Deposit until the end of the term.

Summary Box

Account name: US Dollar Fixed Term Deposit

What’s the interest rate?

The actual rates available depends on when the deposit is fixed. As an indication, these rates were available on 30th April 2025.
Balance
$10,000 – $99,999
$100,000 – $499,999
$500,000 – $999,999
$1,000,000 – $4,999,999
AER/Gross p.a. (fixed)
3.50%
3.60%
3.70%
3.80%
Interest rates for our 3-month 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 Cash Management account on the maturity date.
Balance
$10,000 – $99,999
$100,000 – $499,999
$500,000 – $999,999
$1,000,000 – $4,999,999
AER/Gross p.a. (fixed)
3.46%
3.56%
3.66%
3.76%
Interest rates for our 6-month 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 Cash Management account on the maturity date.
Balance
$10,000 – $99,999
$100,000 – $499,999
$500,000 – $999,999
$1,000,000 – $4,999,999
AER/Gross p.a. (fixed)
3.24%
3.34%
3.54%
3.64%
Interest rates for our 12-month 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 Cash Management account on the maturity date.

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 deposits and terms?

Fixed amount deposited at start date
$10,000
$100,000
$500,000
$1,000,000
Interest earned
$87.50
$900.00
$4,625.00
$9,500.00
Balance at maturity date
$10,087.50
$100,900.00
$504,625.00
$1,009,500.00
These are examples and do not take into account individual circumstances. Interest is paid at maturity.
Fixed amount deposited at start date
$10,000
$100,000
$500,000
$1,000,000
Interest earned
$173.00
$1,780.00
$9,150.00
$18,800.00
Balance at maturity date
$10,173.00
$101,780.00
$509,150.00
$1,018,800.00
These are examples and do not take into account individual circumstances. Interest is paid at maturity.
Fixed amount deposited at start date
$10,000
$100,000
$500,000
$1,000,000
Interest earned
$324.00
$3,340.00
$17,700.00
$36,400.00
Balance at maturity date
$10,324.00
$103,340.00
$517,700.00
$1,036,400.00
These are examples and do not take into account individual circumstances. Interest is paid at maturity.

How do I open and manage my account?

To apply for this account

How to open a Fixed Term Deposit

  • Once your Cash Management account is open, you can open a fixed deposit using our mobile app, online or by telephone. 

Managing your account

  • Once your 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 Cash Management account.
  • Once the deposit matures, if you no longer require the 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 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. - Per annum (per year).

Ready to apply?

Before you apply for a US Dollar 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.

Eligibility requirements

To open a US Dollar Fixed Term Deposit you must:

  • be aged 16+ 
  • reside in one of our listed countries
  • open the account with a minimum deposit of $10,000
  • be a Cash Management account holder or open one at the same time that you open your US Dollar Fixed Term Deposit.

Residential requirements

Our International Banking service can help customers who are resident in the following countries:

Austria, Bahrain, Belgium, Bermuda, Canada, China (Expats only), Denmark, Finland, France, Hong Kong, Kuwait, Norway, Oman, Qatar, South Africa, Sweden, Switzerland, United Arab Emirates, United Kingdom (Non-domiciled only) or the United States of America.

Please note that not all of our products and services are available in all jurisdictions and some are available on a limited basis only due to local regulatory and legal requirements.

Please review our important information

Our important documents give all the detail you need about our account. If you carry on applying, it means you're happy with what's in these documents. Please take some time to review, print and/or save the important information.

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.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Request a call back

Start your enquiry by completing our quick eligibility questions.

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I'm resident in one of the following countries...
Austria, Bahrain, Belgium, Bermuda, Canada, China (Expats only), Denmark, Finland, France, Hong Kong, Kuwait, Norway, Oman, Qatar, South Africa, Sweden, Switzerland, United Arab Emirates, United Kingdom (Non-domiciled only) or the United States of America
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Please complete and submit our call back form and a member of our team will be in touch to talk about your International Banking needs.

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We're sorry...

Unfortunately we are only able to offer products to customers who meet these eligibility requirements.

Should your circumstances change, please contact us.

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We're sorry...

Unfortunately due to legal and regulatory requirements, we are only able to offer products to customers resident in our listed countries.

Should your circumstances change, please contact us.

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