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For Corporate and Commercial businesses

Get instant access to your money with Business Reserve

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. Minimum deposit £1.

On this page

What is Business Reserve? 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

Earn interest on your cash, with instant access

Whether you’re managing day-to-day cash, building a buffer for upcoming costs, or setting money aside for future plans, Business Reserve helps your surplus cash earn interest.

You can move your money whenever you need to, with no notice periods or penalties.

  • Instant access – move money when it suits your business
  • No maximum balance – make the most of surplus cash
  • No withdrawal charges – full flexibility, no strings attached
  • Interest paid monthly – calculated daily
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

  • To open a Business Reserve account, you must have a business current account or a Business Cash Management account with us.
  • 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

  • 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, contact your local team to discuss your requirements.

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?

To apply for a Business Reserve 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.

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.

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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