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For Corporate and Commercial businesses

Multi‑currency cash management with instant access to your money

To apply, you'll need to be 18 or over and an owner or director of the business. The business must be registered and trading in the Channel Islands, Isle of Man or Gibraltar, and at least one controlling party must be resident in one of these locations. Annual account maintenance charge applies.

On this page

What is a Cash Management account? Open in new window
What is the interest rate? Open in new window
How much could I earn? Open in new window
Managing your account Open in new window
Can I withdraw money? Open in new window
Additional information Open in new window
Contact us to apply Open in new window

Manage your cash across multiple currencies

A Business Cash Management account brings your multi-currency balances together under one account, while earning interest on selected funds.

  • Instant access – move funds whenever you need
  • Multiple currencies – Under one account number
  • Earn interest on selected currencies – GBP, EUR and USD
  • Make payments – sterling and international
  • Manage deposits – Notice and Fixed Term Deposits

Designed to give you clear visibility, flexibility and control over your day‑to‑day liquidity.

Information Message

Please read the Summary Box below which details the key information.

Summary Box

Account name: Business Cash Management account

What is the interest rate?

We only pay interest on balances held in GBP, EUR or USD. No interest is paid on balances held in any other currencies.
Currency
Sterling (GBP)
Euro (EUR)
US Dollar (USD)
Other currencies
AER p.a. (variable)
1.03%
0.63%
0.25%
0.00%
Gross p.a. (variable)
1.03%
0.63%
0.25%
0.00%
Interest rates are subject to variation. Interest is calculated daily and is applied on the last business day of March, June, September and December.
Definitions explained

Historic interest rates

We're committed to keeping your business up to date with any changes to the interest rates on your accounts. Below you'll find a summary of our previous rates, along with the rates we're offering now.

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 currencies?

With this account you can hold money in multiple currencies, but we only pay interest on your GBP, EUR and USD balances.
Deposit at start date
£10,000
£100,000
£250,000
Interest earned
£103.40
£1,033.99
£12,584.96
Balance after 12 months
£10,103.40
£101,033.99
£252,584.96
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.
Deposit at start date
€10,000
€100,000
€250,000
Interest earned
€63.15
€631.49
€1,578.72
Balance after 12 months
€10,063.15
€100,631.49
€251,578.72
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.
Deposit at start date
$10,000
$100,000
$250,000
Interest earned
$25.02
$250.23
$625.59
Balance after 12 months
$10.025.02
$100,250.23
$250,625.59
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

  • You'll need to be 18 or over and an owner or director of the business. The business must be registered and trading in the Channel Islands, Isle of Man or Gibraltar, and at least one controlling party must be resident in one of these locations.

Opening your account

  • No minimum deposit required to open this account.
  • Annual account maintenance charge of £150 applies.
  • If you already bank with us for your business, you can apply by speaking to your Relationship Manager.
  • If you’re new to NatWest International, contact your local team to discuss your requirements.

Managing your account

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

Can I withdraw money?

Yes, the Business Cash Management 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 Cash Management 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?

To apply for a Business Cash Management account, you'll need to be 18 or over and an owner or director of the business. The business must be registered and trading in the Channel Islands, Isle of Man or Gibraltar, and at least one controlling party must be resident in one of these locations.

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.

Make more of your business savings

Whether you already bank with us or are looking to get started, we’re here to help you find the right solution for your business.

  • Already banking with us?
    Speak with your Relationship Director for any day-to-day queries or to discuss your longer-term plans.
  • Considering becoming a customer?
    Complete our callback form and we'll get back to you within one working day to talk through your business needs.
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