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Instant Saver account

Our flexible everyday, instant access savings account

To apply you must be aged 16 years or over, resident in either Jersey, Guernsey, Gibraltar, Isle of Man or the UK and be an existing NatWest International current account customer.

Why choose an Instant Saver account?

Our Instant Saver account is ideal if you want an everyday savings account that gives you instant access to your savings, while still earning interest.

  • Instant access to your savings when you need them
  • No minimum deposit
  • Open your account online in less than 10 minutes

In detail: Instant Saver

What's the interest rate?

Interest rates are variable and are subject to change. Interest is calculated daily and paid on the first business day of each month and at account closure. You can see and access the interest in your account on the following day.

Can NatWest International change the interest rate?

Yes, the interest rate is variable. The rate may increase or decrease for any of the reasons set out in Term 10.3 of the Personal Banking Account Terms and Fees to account for the Bank of England's base rate changes or changes in the rates paid by other banks.

If the rates are going down we'll give you at least 60 days' notice. If they’re going up, we'll inform you before the change or shortly afterwards. Term 10.4 of the Personal Banking Account Terms and Fees contain details of the notice we'll give you.

How much could I earn over 12 months?

These are only examples that 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.

How do I open and manage my account?

  • You must be aged 16 years or over to open an account.
  • You can open your account online, in branch or by telephone banking. To open an account online or by phone, you will need to be a registered user of these services.
  • No minimum deposit is needed to open the account; and there is no maximum balance limit.
  • Money can be managed online, via the mobile app, by telephone or in branch. You can also pay money into your account at one of our cash deposit machines.

Can I withdraw or transfer money?

Yes, you can withdraw or transfer your money at any time without giving notice.

You can withdraw or transfer money:

Money can be transferred to any other account based in the UK, Channel Islands, Isle of Man or Gibraltar.

There are daily limits on the amount you can transfer from your account online, by telephone or mobile banking. You can find out the current daily limits on this website, by contacting telephone banking or asking in branch.

Definitions

AER: Stands for Annual Equivalent Rate. It shows you what the rate would be if the interest was paid and compounded each year.

Gross Rate: This means the interest rate you are paid without deduction of income tax.

p.a.: Per annum (per year).

Ready to apply?

Before you apply, we've outlined the eligibility requirements for the account below, along with our terms and conditions to make sure it's the right account for you. If you're happy, we'll run through a few quick questions to make your application as easy as possible.

You can apply for an Instant Saver account if you are:

  • aged 16+, and
  • resident in the Channel Islands, Isle of Man or Gibraltar (you must be an existing customer with us if you are resident in Gibraltar)

Please review our important information

By clicking continue you’re confirming that you’ve been provided with, and have acknowledged our important documents. By proceeding with your application you also agree that you’ll receive your statements in a paperless format. We'll send you an email when your statements are ready to view in Online banking.

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Let's get started...

To speed up your application for an Instant Saver account, we need to run through some quick questions with you. They'll only take a few minutes.

Do you already bank with us?
Please tell us if you already hold a NatWest International bank account.
Do you use Online Banking?
If so, we'll pre-fill your application to save you time.
Is this account just for you, or is it a joint application?

Great, looks like you're all set and ready to go!

Just a heads up - we'll ask you to log in to your Online Banking at the next step.

Great, looks like you're all set and ready to go!

Just a heads up - we'll ask you to log in to your Online Banking at the next step.

Is this account just for you, or is it a joint application?

Great, looks like you're all set and ready to go!

Just so you can have what you need to hand, here's some of the information we'll ask for:

  • Your sortcode & account number
  • Your personal details (name, date of birth etc.)
  • Your address & contact details
  • Your tax identification number & passport number

Great, looks like you're all set and ready to go!

Just so you can have what you need to hand, here's some of the information we'll need for both applicants:

  • Personal details (name, date of birth etc.)
  • Address & contact details
  • Tax identification number & passport number
Is this account just for you, or is it a joint application?

Great, looks like you're all set and ready to go!

Just so you can have what you need to hand, here's some of the information we'll ask for:

  • Your personal details (name, date of birth etc.)
  • Your address & contact details
  • Your tax identification number & passport number

Great, looks like you're all set and ready to go!

Just so you can have what you need to hand, here's some of the information we'll need for both applicants:

  • Personal details (name, date of birth etc.)
  • Address & contact details
  • Tax identification number & passport number