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Savings Builder account

Get rewarded when your savings grow by £50 or more each month

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

Why choose Savings Builder?

You get rewarded with higher interest rates when you grow your balance by at least £50 or more each month. If your balance grows by less than £50 in any month, you will earn a lower rate of interest.

  • No minimum deposit to open your account
  • Instant access to your savings
  • Available to our current account customers
  • Top up your savings with Rounds Ups

Round Ups is available to customers with an eligible current account, instant access savings account and the mobile app. Round Ups can only be made on debit card and contactless payments in Sterling.

Summary Box

Account name: Savings Builder account

What is the interest rate?

Balance grows by less than £50 a month: regular saving condition is not met
Balance
£1 – £10,000
Over £10,000
AER p.a. (variable)
1.56%
1.56%
Gross p.a. (variable)
1.55%
1.55%
Balance grows by at least £50 a month: regular saving condition is met
Balance
£1 – £10,000
Over £10,000
AER p.a. (variable)
4.59%
1.56%
Gross p.a. (variable)
4.50%
1.55%
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. 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 4.59% AER, 4.50% Gross p.a. (variable) on anything between £1 and £10,000 and 1.56% AER/1.55% Gross p.a. (variable) on anything over £10,000. You can find details of the interest condition in the Additional Information section.
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 section 10.3 of the Personal Banking Account Terms and Fees 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 60 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 10.4 of the Personal Banking Account Terms and Fees.

What would the estimated balance be after 12 months based on a range of deposits?

Regular saving condition is met: £50 deposited every month (£600 a year)
Initial deposit
£1,000
£10,000
Balance after 12 months
£1,660.69
£11,055.08
Interest earned
£60.69
£455.08
Regular saving condition is not met: £25 deposited every month (£300 a year)
Initial deposit
£1,000
£10,000
Balance after 12 months
£1,318.11
£10,458.21
Interest earned
£18.11
£158.21
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 or tiers and any interest earned stays in the account.

How do I open and manage my account?

To apply for this account

  • You must be aged 16 or over and resident in Jersey, Guernsey, Isle of Man or Gibraltar.
  • To open a savings account, you must hold a NatWest International current account.
  • You can only have one Savings Builder account in your sole name, and only one Savings Builder account in joint names with another person.

How to open your account

  • You can open your account on our mobile app or online.
  • We will need an email address and mobile number to open your account. You can update them in online banking.
  • No minimum deposit is required to open the account 
  • There is no maximum balance limit.

Managing your account

  • You can manage your account on our mobile app online, in branch or by telephone.
  • You earn a higher rate of interest each month when you grow your balance by at least £50 each month. If your balance grows by less than £50 in any month, you will earn a lower rate of interest.
  • You can pay money in by transfer from a current account or savings account in your name held with us or held with another bank (Online, by telephone or on the mobile app).

Can I withdraw money?

Yes, Savings Builder is an instant access savings account so you can withdraw your money at any time without giving notice.

You can withdraw money:

  • in branch
  • or transfer to any other account based in Jersey, Guernsey, Isle of Man, Gibraltar or in the UK (online, be telephone or on the mobile app).

There are daily limits on the amount you can transfer from your account online, by telephone or mobile banking. The current daily limits and how to withdraw more than them can be found in our support centre or by contacting telephone banking.

Information Message

If withdrawals made from your account mean that your month-to-month balance does not grow by at least £50, you will earn a lower rate of interest. You earn a higher rate of interest each month when you grow your balance by at least £50.

Additional information

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).

Compound interest is interest that is paid on your original savings deposit plus any interest you’ve already earned.

How to apply

Before you apply for a Savings Builder account, 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.

You can open your account on our mobile app or online. If you need help with your account application, due to a health condition or impairment, please call us or visit us in branch, we’ll be happy to help.

Who is eligible to apply?

To apply for a Savings Builder account:

  • You must be aged 16 years or over and be a resident in Jersey, Guernsey, Isle of Man or Gibraltar.
  • You must hold a NatWest International current account.
  • You can only have one Savings Builder account in your sole name, and only one Savings Builder account in joint names with another person. 

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. By proceeding with your application you also agree that you’ll receive your statements in a paperless format. We'll email you 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 help you apply for a Savings Builder account, we'll need to ask a few questions.

Continue
Do you already have a current account with us?
Only existing current account holders are eligible to apply for a Savings Builder account.
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Where do you currently reside?
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Is this account just for you, or is it a joint application?
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Are you using a mobile device or a computer?
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Start your application now

Get your online application started by clicking 'Start application' below. 

The full name you put on this form must exactly match the one on the photo ID you'll use later in the application to apply. Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days. 

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

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To start your application

This must be completed using a mobile device (phone or tablet)

We’ll ask you to upload some documents as part of your application. This is important, as it helps us check you are who you say you are. Our ID partner Mitek will then complete all the checks for us.

The full name you put on this form must exactly match the one on the photo ID you'll use.  Without your ID to hand, your application can't be completed.

We usually ask for:

- Photo ID, such as a Drivers licence or Passport.

- A short video or selfie to compare with your photo ID.

- Bank e-statements or utility e-bill (these must be in PDF format)

We'll contact you by phone or email within two working days.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

To start, scan this QR code.

To scan a QR code, if you are on an iOS Device then open the camera app, point it at the QR code and tap on the prompt to: Open “natwestinternational.com”. If on an Android device: Open the camera app, point it at the QR code and follow the onscreen instructions to start the application. If you don’t see a prompt to navigate to natwestinternational.com, you may need to download a QR code scanning app from the Google Play store or the App Store.

Previous
Are you using a mobile device or a computer?
Previous
Next

Start your application now

Get your online application started by clicking 'Start application' below. 

The full name you put on this form must exactly match the one on the photo ID you'll use later in the application to apply. Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days. 

Your joint applicant will get an email to upload their ID and give consent.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

Previous

To start your application

This must be completed using a mobile device (phone or tablet)

We’ll ask you to upload some documents as part of your application. This is important, as it helps us check you are who you say you are. Our ID partner Mitek will then complete all the checks for us.

The full name you put on this form must exactly match the one on the photo ID you'll use.  Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days.

Your joint applicant will get an email to upload their ID and give consent.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

To start, scan this QR code.

To scan a QR code, if you are on an iOS Device then open the camera app, point it at the QR code and tap on the prompt to: Open “natwestinternational.com”. If on an Android device: Open the camera app, point it at the QR code and follow the onscreen instructions to start the application. If you don’t see a prompt to navigate to natwestinternational.com, you may need to download a QR code scanning app from the Google Play store or the App Store.

Previous
Is this account just for you, or is it a joint application?
Previous
Next
Are you using a mobile device or a computer?
Previous
Next

Start your application now

Get your online application started by clicking 'Start application' below. 

We’ll ask you to upload some documents as part of your application. This is important, as it helps us check you are who you say you are. Our ID partner Mitek will then complete all the checks for us.

The full name you put on this form must exactly match the one on the photo ID you'll use later in the application to apply. Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days. 

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

Previous

To start your application

This must be completed using a mobile device (phone or tablet)

We’ll ask you to upload some documents as part of your application. This is important, as it helps us check you are who you say you are. Our ID partner Mitek will then complete all the checks for us.

The full name you put on this form must exactly match the one on the photo ID you'll use.  Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

To start, scan this QR code.

To scan a QR code, if you are on an iOS Device then open the camera app, point it at the QR code and tap on the prompt to: Open “natwestinternational.com”. If on an Android device: Open the camera app, point it at the QR code and follow the onscreen instructions to start the application. If you don’t see a prompt to navigate to natwestinternational.com, you may need to download a QR code scanning app from the Google Play store or the App Store.

Previous
Are you using a mobile device or a computer?
Previous
Next

Start your application

Get your online application started by clicking 'Start application' below. 

The full name you put on this form must exactly match the one on the photo ID you'll use later in the application to apply. Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days. 

Your joint applicant will get an email to upload their ID and give consent.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

Previous

To start your application

This must be completed using a mobile device (phone or tablet)

We’ll ask you to upload some documents as part of your application. This is important, as it helps us check you are who you say you are. Our ID partner Mitek will then complete all the checks for us.

The full name you put on this form must exactly match the one on the photo ID you'll use.  Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days.

Your joint applicant will get an email to upload their ID and give consent.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

To start, scan this QR code.

To scan a QR code, if you are on an iOS Device then open the camera app, point it at the QR code and tap on the prompt to: Open “natwestinternational.com”. If on an Android device: Open the camera app, point it at the QR code and follow the onscreen instructions to start the application. If you don’t see a prompt to navigate to natwestinternational.com, you may need to download a QR code scanning app from the Google Play store or the App Store.

Previous
Is this account just for you, or is it a joint application?
Previous
Next
Are you using a mobile device or a computer?
Previous
Next

Start your application now

Get your online application started by clicking 'Start application' below. 

The full name you put on this form must exactly match the one on the photo ID you'll use later in the application to apply. Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days. 

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

Previous

To start your application

This must be completed using a mobile device (phone or tablet)

We’ll ask you to upload some documents as part of your application. This is important, as it helps us check you are who you say you are. Our ID partner Mitek will then complete all the checks for us.

The full name you put on this form must exactly match the one on the photo ID you'll use.  Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

To start, scan this QR code.

To scan a QR code, if you are on an iOS Device then open the camera app, point it at the QR code and tap on the prompt to: Open “natwestinternational.com”. If on an Android device: Open the camera app, point it at the QR code and follow the onscreen instructions to start the application. If you don’t see a prompt to navigate to natwestinternational.com, you may need to download a QR code scanning app from the Google Play store or the App Store.

Previous
Are you using a mobile device or a computer?
Previous
Next

Start your application now

Get your online application started by clicking 'Start application' below. 

The full name you put on this form must exactly match the one on the photo ID you'll use later in the application to apply. Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days. 

Your joint applicant will get an email to upload their ID and give consent.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

Previous

To start your application

This must be completed using a mobile device (phone or tablet)

We’ll ask you to upload some documents as part of your application. This is important, as it helps us check you are who you say you are. Our ID partner Mitek will then complete all the checks for us.

The full name you put on this form must exactly match the one on the photo ID you'll use.  Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days.

Your joint applicant will get an email to upload their ID and give consent.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

To start, scan this QR code.

To scan a QR code, if you are on an iOS Device then open the camera app, point it at the QR code and tap on the prompt to: Open “natwestinternational.com”. If on an Android device: Open the camera app, point it at the QR code and follow the onscreen instructions to start the application. If you don’t see a prompt to navigate to natwestinternational.com, you may need to download a QR code scanning app from the Google Play store or the App Store.

Previous
Is this account just for you, or is it a joint application?
Previous
Next
Are you using a mobile device or a computer?
Previous
Next

Start your application now

Get your online application started by clicking 'Start application' below. 

The full name you put on this form must exactly match the one on the photo ID you'll use later in the application to apply. Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days. 

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

Previous

To start your application

This must be completed using a mobile device (phone or tablet)

We’ll ask you to upload some documents as part of your application. This is important, as it helps us check you are who you say you are. Our ID partner Mitek will then complete all the checks for us.

The full name you put on this form must exactly match the one on the photo ID you'll use.  Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

To start, scan this QR code.

To scan a QR code, if you are on an iOS Device then open the camera app, point it at the QR code and tap on the prompt to: Open “natwestinternational.com”. If on an Android device: Open the camera app, point it at the QR code and follow the onscreen instructions to start the application. If you don’t see a prompt to navigate to natwestinternational.com, you may need to download a QR code scanning app from the Google Play store or the App Store.

Previous
Are you using a mobile device or a computer?
Previous
Next

Start your application now

Get your online application started by clicking 'Start application' below. 

The full name you put on this form must exactly match the one on the photo ID you'll use later in the application to apply. Without your ID to hand, your application can't be completed.

We usually ask for:

  • photo ID, such as a drivers licence or passport
  • a short video or selfie to compare with your photo ID
  • bank e-statements or utility e-bill (these must be in PDF format).

We'll contact you by phone or email within two working days. 

Your joint applicant will get an email to upload their ID and give consent.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

Previous

To start your application

This must be completed using a mobile device (phone or tablet).

We’ll ask you to upload some documents as part of your application. This is important, as it helps us check you are who you say you are. Our ID partner Mitek will then complete all the checks for us.

The full name you put on this form must exactly match the one on the photo ID you'll use.  Without your ID to hand, your application can't be completed.

We usually ask for:

- Photo ID, such as a Drivers licence or Passport.

- A short video or selfie to compare with your photo ID.

- Bank e-statements or utility e-bill (these must be in PDF format)

We'll contact you by phone or email within two working days.

Your joint applicant will get an email to upload their ID and give consent.

Keep an eye on your inbox: Watch out for our emails, and check your junk folder too, just in case.

To start, scan this QR code.

To scan a QR code, if you are on an iOS Device then open the camera app, point it at the QR code and tap on the prompt to: Open “natwestinternational.com”. If on an Android device: Open the camera app, point it at the QR code and follow the onscreen instructions to start the application. If you don’t see a prompt to navigate to natwestinternational.com, you may need to download a QR code scanning app from the Google Play store or the App Store.

Previous

Applying for an account with us

This account is currently only available to applicants located in Jersey, Guernsey, Isle of Man or Gibraltar. 

Our International Personal Banking service is available to customers that meet our minimum age, residency, balance and/or deposit requirements.

Find out more about International Personal Banking

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Applying for a Savings Builder account

We currently only accept applications from existing NatWest International current account customers.

You can view our current accounts and apply online today

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