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For Corporate and Commercial businesses

Earn a higher return by giving notice when you withdraw 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. Minimum deposit of £25,000, $25,000 or €25,000.

On this page

What is a Notice Deposit? 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 more by giving notice on withdrawals

A Notice Deposit helps you plan ahead, manage your liquidity, and make more of cash you don’t need for day-to-day use.

You simply choose a notice period that fits how your business runs.

  • Choose your notice period – 35, 60 or 90 days
  • Multiple currencies – available in GBP, EUR and USD
  • Minimum deposit of £25,000 – or €25,000 / $25,000

If you don’t need immediate access to your funds, a Notice Deposit offers a balance of return and planned liquidity access.

Information Message

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

Summary Box

Account name: Notice Deposit

What is the interest rate?

Notice period (GBP)
35 days
60 days
90 days
AER p.a. (variable)
3.19%
3.27%
3.70%
Gross p.a. (variable)
3.15%
3.23%
3.65%
Minimum deposit £25,000. Interest is calculated daily and paid on the last business day of each quarter in March, June, September and December, or at account closure.
Notice period (EUR)
35 days
60 days
90 days
AER p.a. (variable)
1.96%
2.13%
2.30%
Gross p.a. (variable)
1.95%
2.11%
2.28%
Minimum deposit €25,000. Interest is calculated daily and paid on the last business day of each quarter in March, June, September and December, or at account closure.
Notice period (USD)
35 days
60 days
90 days
AER p.a. (variable)
3.34%
3.44%
3.55%
Gross p.a. (variable)
3.30%
3.40%
3.50%
Minimum deposit $25,000. Interest is calculated daily and paid on the last business day of each quarter in March, June, September and December, or at account closure.
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?

Notice period
35 days
60 days
90 days
Deposit at start date
£25,000
£25,000
£25,000
Interest earned
£796.85
£817.33
£925.07
Balance after 12 months
£25,796.85
£25,817.33
£25,925.07
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 .
Notice period
35 days
60 days
90 days
Deposit at start date
€25,000
€25,000
€25,000
Interest earned
€491.08
€531.69
€574.89
Balance after 12 months
€25,491.08
€25,531.69
€25,574.89
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 .
Notice period
35 days
60 days
90 days
Deposit at start date
$25,000
$25,000
$25,000
Interest earned
$835.27
$860.90
$886.55
Balance after 12 months
$25,835.27
$25,860.90
$25,886.55
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 deposit?

To apply for this deposit

  • You must have a Business Cash Management account with us before you can open a Notice 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.

Opening your deposit

  • The minimum deposit is £25,000, $25,000 or €25,000.
  • Once your Business Cash Management account is open, you can open a Notice Deposit using eQ online banking, by telephone, in branch or by contacting your Relationship Manager.

Managing your deposit

  • You can manage your deposit using eQ online banking, by telephone, in branch or by contacting your Relationship Manager.

Can I withdraw money?

Yes, you just need to give us the minimum notice for your account: 35, 60 or 90 days.

Once you let us know you want to make a withdrawal, we’ll move that amount into a Fixed Term Deposit for the length of your notice period.

Two types of interest rates can apply during the notice period:

  • Primary Notice Rate
    This is the standard rate for the notice period you’re on — 35, 60 or 90 days.

  • Step Down Rate
    This is the 35‑day Primary Notice Rate minus 0.20%.

How these rates are applied depends on the notice period:

  • 35‑day notice
    The Step Down Rate applies for the full 35 days.

  • 60‑day notice
    The Primary Notice Rate applies for the first 25 days, then the Step Down Rate for the remaining 35 days.

  • 90‑day notice
    The Primary Notice Rate applies for the first 55 days, then the Step Down Rate for the remaining 35 days.

When the notice period ends, we’ll pay the balance and any interest into your Business Cash Management account.

Early withdrawals 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).

Primary Notice Rate is the standard rate for the notice period you’re on — 35, 60 or 90 days.

Step Down Rate is the 35‑day Primary Notice Rate minus 0.20%.

How to apply

Before you apply for a Notice 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 Notice 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 Notice 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.
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