Fixed Term savings | Savings | NatWest International

Fixed Term savings

A fixed interest rate for a fixed term

Apply in branch or call us
How to apply Visit us in branch or call us

You can apply by visiting your nearest branch or by giving us a call. 

Find your nearest branch

Telephone Banking (Monday to Friday 7am - 7pm, Saturday 8am - 1pm, Sunday closed)

Jersey: 01534 282850
From abroad: +44 1534 282850

Guernsey: 01481 703860
From abroad: +44 1481 703860

Isle of Man: 01624 637190
From abroad: +44 1624 637190

Gibraltar: 200 77737 or 200 73200
From abroad: 00350 200 77737 or 00350 200 73200

To use Telephone Banking you must be enrolled for the service and have your PIN and password.

Calls may be recorded.

Compare our savings accounts

You must be aged 16 or over to open a Fixed Term Deposit. Interest rates are an indication only, please call us or visit your local branch for the latest interest rates.



Choose a term that works for you
Available in 6, 9 or 12 months



Flexible saving options
Choose from most major currencies



Know what your savings will earn
With a fixed interest rate

Add your signposting title here… Fixed term savings

A Fixed Term Deposit could be right for you if you don’t need instant access to your money.

Having a fixed rate means you know in advance what your savings will earn, helping you to reach your savings goals.

Choose from a 6 month, 9 month or 12 month term to suit your needs.

What interest rate can I expect?

Our interest rates are an indication only, this means that the rate quoted below is not guaranteed when you apply. Please call us or visit your local branch for the latest rates.  

6 months

Balance Annual Equivalent Rate (AER) Gross p.a. (fixed)
£5,000 - £99,999 1.04% 1.04%
£100,000 - £249,999 1.09% 1.09%
£250,000 - £499,999 1.14% 1.14%
£500,000 - £749,999 1.19% 1.19%
£750,000 - £4,999,999 1.24% 1.24%

9 months

Balance Annual Equivalent Rate (AER) Gross p.a. (fixed)
£5,000 - £99,999 1.10% 1.10%
£100,000 - £249,999 1.15% 1.15%
£250,000 - £499,999 1.20% 1.20%
£500,000 - £749,999 1.30% 1.30%
£750,000 - £4,999,999 1.35% 1.35%

12 months

Balance Annual Equivalent Rate (AER) Gross p.a. (fixed)
£5,000 - £99,999 1.15% 1.15%
£100,000 - £249,999 1.20% 1.20%
£250,000 - £499,999 1.25% 1.25%
£500,000 - £749,999 1.35% 1.35%
£750,000 - £4,999,999 1.45% 1.45%


The need-to-knows

The above interest rates are an indication only, please call us or visit your local branch for the latest rates.

Interest rates may vary depending on deposit term.

Interest is calculated daily and paid at maturity.

We also offer Fixed Term Deposits in a variety of major currencies. Please call us or visit your local branch for details. Please note that interest rates for our Currency Fixed Term Deposits change daily, so will be provided on an indicative basis.

Fixed term examples

Not sure how much interest you could earn? We've worked it out for you and shown some examples, based on a range of deposit amounts and terms.  

6 month fixed term

Amount fixed at
start date
Balance at
maturity date
Interest earned
£5,000 £5,026 £26
£100,000 £100,545 £545
£250,000 £251,425 £1,425
£500,000 £502,975 £2,975
£750,000 £754,650 £4,650

12 month fixed term

Amount fixed at
start date
Balance at
maturity date
Interest earned
£5,000 £5,057.50 £57.50
£100,000 £101,200 £1,200
£250,000 £253,125 £3,125
£500,000 £506,750 £6,750
£750,000 £760,875 £10,875


These are only examples and do not take into account your individual circumstances. The examples assume that interest is paid into your Cash Management account.

Manage your Fixed Term savings Cash Management account

When you apply for a Fixed Term Deposit you'll need to have a Cash Management account so that we can pay you any interest you have earned, as well as your deposit when it has come to the end of it's term. 

If you don’t have a Cash Management account, then we will open one for you.

We may need you to provide proof of identity, residential address or a bit more information from you to validate your income. 


We might need to see...

  • Confirmation of identity
  • Proof of your residential address


We'll ask you for...

  • Your personal details (name, date of birth etc.)
  • The source of your funds & wealth
Add your signposting title here… Frequently asked questions

Definitions

Annual Equivalent Rate (AER)
- This is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.

Gross
is the interest rate paid before the deduction of tax

p.a.
per annum (per year)

Start Date
is the date on which your money is fixed

Maturity Date
is the date on which your Deposit matures

Important information

We want to make sure that you have all the information you need before you open an account with us. So before you do, please take some time to read and save,download or print this information.   

Ready for the next step?
Apply in branch or call us
How to apply Visit us in branch or call us

You can apply by visiting your nearest branch or by giving us a call. 

Find your nearest branch

Telephone Banking (Monday to Friday 7am - 7pm, Saturday 8am - 1pm, Sunday closed)

Jersey: 01534 282850
From abroad: +44 1534 282850

Guernsey: 01481 703860
From abroad: +44 1481 703860

Isle of Man: 01624 637190
From abroad: +44 1624 637190

Gibraltar: 200 77737 or 200 73200
From abroad: 00350 200 77737 or 00350 200 73200

To use Telephone Banking you must be enrolled for the service and have your PIN and password.

Calls may be recorded.

Compare our savings accounts
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