Savings Account Rates | Savings | NatWest International

Happy woman in kitchen using tablet

Savings account rates

Details of interest rates that apply to your savings accounts

Our personal savings rates

The Savings account rates document includes key information you need to know about our accounts including First Saver Account, Instant Saver Account, Premium Saver Account and Savings Builder Account. It should be read together with the Personal Banking Account Terms and Fees and forms part of our agreement with you. Please keep it for future reference.

Download our Savings account rates

Rates correct as at 20 September 2018.

Savings account rates for personal customers

First Saver Account
Helping to get children into the savings habit

Key information you need to know about your account which should be read together with the Personal Banking Account Terms and Fees and forms part of our agreement with you.

 

What is the interest rate?

 

Balance

Annual Equivalent Rate (AER)

Gross Rate

0+

0.85

0.85

Interest is calculated daily and paid quarterly on the first business day in January, April, July and October and at account closure.

 

You’ll be able to see and access the interest in your account on the following day.

 

What would the estimated balance be after 12 months based on a £1,000 deposit?

 

Initial deposit at account opening Balance after 12 months Interest earned

£1,000

£1,008.53

£8.53

This is only an example and does not take into account your individual circumstances. It assumes that no further deposits or withdrawals are made; there is no change to the interest rate; and any interest earned stays in the account.

Instant Saver Account
A simple savings account that lets you move money in and out easily

Key information you need to know about your account which should be read together with the Personal Banking Account Terms and Fees and forms part of our agreement with you.

 

What is the interest rate?

 

Balance

Annual Equivalent Rate (AER)

Gross Rate

1+

0.45

0.45

Interest is calculated daily and paid on the first business day of the month and at account closure. You’ll be able to see and access the interest in your account on the following day.

 

You’ll be able to see and access the interest in your account on the following day.

 

What would the estimated balance be after 12 months based on a £1,000 deposit?

 

Initial deposit at account opening Balance after 12 months Interest earned

£1,000

£1,004.51

£4.51

£25,000

£25,112.73

£112.73

£100,000

£100,450.93

£450.93

These are only examples and do not take into account your individual circumstances. They assume that no further deposits or withdrawals are made; there is no change to the interest rates; and any interest earned stays in the account.

Savings Builder Account
Get rewarded when you grow your saving by £50 or more each month

Key information you need to know about your account which should be read together with the Personal Banking Account Terms and Fees and forms part of our agreement with you.

 

What is the interest rate?

 

Balance

Balance grows by less than £50 a month: regular saving condition is not met

AER/Gross p.a. (variable)

Balance grows by at least £50 a month: regular saving condition is met

AER/Gross p.a. (variable)

£1 – £5,000

0.00

1.50

£5,001 – £10,000

0.00

1.50

Over £10,000

0.00

0.45

Interest is paid on the above tiers on a stepped basis which means you’ll earn a different rate on each portion of your balance within the above tiers. If, for example, you hold £11,000 in your account, and you have satisfied the interest condition, your interest rates for that monthly period will be:

 

  • 1.50% on anything between £1 - £10,000
  • 0.45% on anything over £10,000

You can find details of the interest condition in the Additional Information section. Interest is calculated daily and paid on the first business day of the month and at account closure. You’ll be able to see and access the interest in your account on the following day.

 

What would the estimated balance be after 12 months based on a £1,000 deposit?

 

£50 deposited every month; regular saving condition is met Initial deposit at account opening
Balance after 12 months (includes £600 deposited over the 12 months) Interest earned

£1,000

£1,620.02

£20.02

£5,000

£5,680.44

£80.44

£10,000

£10,752.51

£152.51

£25 deposited every month; regular saving condition is not met Initial deposit at account opening Balance after 12 months (includes £300 deposited over the 12 months) Interest earned

£1,000

£1,300

£0.00

£5,000

£5,300

£0.00

£10,000

£10,300

£0.00

These are only examples and do not take into account your individual circumstances. They assume that no further deposits or withdrawals are made; there is no change to interest rates and tiers; and any interest earned stays in the account.

Premium Saver Account
Pays a monthly bonus on balances between £25,000 – £1m if you leave your money untouched

Key information you need to know about your account which should be read together with the Personal Banking Account Terms and Fees and forms part of our agreement with you.

 

What is the interest rate?

 

No withdrawals made in month: bonus condition is met

Balance

Annual Equivalent Rate (AER)

Gross Rate

£1 – £24,999

0.20%
no bonus paid

0.20%
no bonus paid

£25,000 – £49,999

0.60%
includes 0.40% bonus

0.60%
includes 0.40% bonus

£50,000 - £1,000,000

0.85%
includes 0.65% bonus

0.85%
includes 0.65% bonus

Over £1,000,000

0.45%
no bonus paid

0.45%
no bonus paid

One or more withdrawals made in month: bonus condition is not met

Balance

Annual Equivalent Rate (AER)

Gross Rate

£1 – £24,999

0.20

0.20

£25,000 – £49,999

0.20

0.20

£50,000 - £1,000,000

0.20

0.20

Over £1,000,000

0.45

0.45

Interest is paid on a tiered basis which means you’ll earn one rate on your entire account balance. If, for example, you hold £150,000 in your account and you have satisfied the bonus condition, your interest rate for that monthly bonus period will be 0.85% AER/Gross p.a. on your entire account balance.

 

You can find details of the bonus condition in the Additional Information section. Interest is calculated daily and paid on the first business day of the month and at account closure. You’ll be able to see and access the interest in your account on the following day.

 

What would the estimated balance be after 12 months based on a £1,000 deposit?

 

One or more withdrawals made in month: bonus condition is not met

Initial deposit at account opening

Balance after 12 months (includes £600 withdrawn over the 12 months)

Interest earned (No bonus: 0.20% AER (Gross p.a.))

£25,000

£24,449.39

£49.39

£50,000

£49,499.44

£99.44

£150,000

£149,699.62

£299.62

No withdrawals made in month: bonus condition is met

Initial deposit at account opening

Balance after 12 months

Interest earned (Bonus interest: 0.60% to 0.85% AER (Gross p.a.))

£25,000

£25,150.41

£150.41

£50,000

£50,426.66

£426.66

£150,000

£151,279.98

£1,279.98

These are only examples and do not take into account your individual circumstances. They assume that no further deposits or withdrawals are made; there is no change to interest rates and tiers; and any interest earned stays in the account.

Set Tab for lightbox