Back to main menu
Overlay
For Corporate and Commercial businesses

Earn a fixed rate of interest when you deposit your money for an agreed term

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 £25,000 (or the currency equivalent).

On this page

Why choose a fixed term? 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

Know exactly what your cash will earn

A Fixed Term Deposit gives you a fixed interest rate for a set period, so you’ll know exactly what you’ll earn. It’s a simple way to make your surplus cash work harder.

  • Multiple currencies – choose from GBP, EUR and USD
  • Flexible terms – from 1 to 12 months to suit your plans
  • Minimum deposit of £25,000 – or currency equivalent

You can’t add or withdraw funds during the term, making it good for short-term cash management where you want a guaranteed return.

Information Message

Please read the Summary Box below which details the 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 15th July 2026.
Term length (GBP)
1 month
3 months
6 months
9 months
12 months
AER/Gross p.a. (fixed)
2.95%
3.72%
4.06%
4.22%
4.36%
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)
1.41%
2.19%
2.48%
2.61%
2.72%
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 (USD)
1 month
3 months
6 months
9 months
12 months
AER/Gross p.a. (fixed)
2.82%
3.58%
3.89%
4.02%
4.14%
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 15th July 2026.
Term length
1 month
3 months
6 months
9 months
12 months
Deposit at start date
£100,000
£100,000
£100,000
£100,000
£100,000
Interest earned
£245.84
£930.08
£2,031.68
£3,168.56
£4,363.16
Balance at maturity date
£100,245.84
£100,930.08
£102,031.68
£103,168.56
£104,363.16
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
€100,000
€100,000
€100,000
€100,000
€100,000
Interest earned
€117.38
€546.53
€1,239.45
€1,956.68
€2,720.30
Balance at maturity date
€100,117.38
€100,546.53
€101,239.45
€101,956.68
€102,720.30
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
$100,000
$100,000
$100,000
$100,000
$100,000
Interest earned
$235.11
$896.18
$1,944.15
$3,016.13
$4,140.60
Balance at maturity date
$100,235.11
$100,896.18
$101,944.15
$103,016.13
$104,140.60
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 deposit

  • To open a Business Fixed Term Deposit, you must have 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 deposit

  • The minimum deposit for a Business Fixed Term Deposit is £25,000 (or the currency equivalent).
  • 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 deposit

  • 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?

To apply for a Business Fixed Term Deposit, 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.

To open and manage a Business Fixed Term Deposit, 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.

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.
Request a callback Open in new window