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Instant Saver account

Our flexible everyday, instant access savings account

To apply you must be aged 16 years or over and resident in either the Channel Islands, Isle of Man, or Gibraltar. Gibraltar applicants must also 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
  • Top up your savings with Rounds Ups

In detail: Instant Saver

What is the interest rate?

The following rates apply to our Instant Saver account

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 are 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?

Estimated balance after 12 months based on a range of deposits.

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.

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, and;
  • 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 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 speed up your application, we need to run through some quick questions with you. They'll only take a few minutes.

Where are you based?
Please tell us where you currently reside.
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, you're ready to go!

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

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Great, you're ready to go!

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

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

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

Great, you're ready to go!

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Great, you're ready to go!

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

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

Great, you're ready to go!

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Start your application now

Get your online application started by clicking 'Start your application' below. The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  1. Complete our Customer Acceptance form, and;
  2. Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

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, you're ready to go!

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

The first step in your application will be completed online. If approved, we’ll send you an application pack in the post within 7 -10 working days.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity
  • income

Once we have everything, we’ll open your account and send your new account details to you.

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.

The first step in your application will be completed online. If approved, we’ll send you an application pack in the post within 7 -10 working days.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity
  • income

Once we have everything, we’ll open your account and send your new account details to you.

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

Great, you're ready to go!

Your application will be completed online. Once approved, we’ll send you an application pack in the post.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity
  • income

Once we have everything, we’ll open your account and send your new account details to you.

Great, you're ready to go!

Your application will be completed online. Once approved, we’ll send you an application pack in the post.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • your address & identity
  • your income

Once we have everything, we’ll open your account and send your new account details to you.

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

Great, you're ready to go!

The first step in your application will be completed online. If approved, we’ll send you an application pack in the post within 7 -10 working days.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity
  • income

Once we have everything, we’ll open your account and send your new account details to you.

Great, you're ready to go!

Your application will be completed online. Once approved, we’ll send you an application pack in the post.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity
  • income

Once we have everything, we’ll open your account and send your new account details to you.

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, you're ready to go!

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

The first step in your application will be completed online. If approved, we’ll send you an application pack in the post within 18-21 working days.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity
  • income

Once we have everything, we’ll open your account and send your new account details to you.

 

Great, you're ready to go!

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

The first step in your application will be completed online. If approved, we’ll send you an application pack in the post within 18-21 working days.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity
  • income

Once we have everything, we’ll open your account and send your new account details to you.

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

Great, you're ready to go!

Your application will be completed online. Once approved, we’ll send you an application pack in the post within 18-21 working days.

Make sure the full name you put on this form exactly matches the one on the photo ID you’ll use to apply.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity. 
  • income

Once we have everything, we’ll open your account and send your new account details to you.

Great, you're ready to go!

Your application will be completed online. Once approved, we’ll send you an application pack in the post within 18-21 working days.

Make sure the full name you put on this form exactly matches the one on the photo ID you’ll use to apply.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity. 
  • income

Once we have everything, we’ll open your account and send your new account details to you.

Applying for an account with us

We’re sorry – at this time we’re currently not opening accounts for new customers located in Gibraltar. 

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