Instant access savings accounts
Withdraw funds when you need them
Looking to save but want flexible access to your money? We've got a range of instant access accounts to choose from.
£50 cashback offer - hurry, ends September 6th!
Get £50 cashback if you set up a new monthly standing order of £100 or more into selected savings accounts for at least a year (conditions apply).
| Savings Account | AER | £50 cashback More info |
Ideal for ... | Manage account | Save from | |
|---|---|---|---|---|---|---|
| e-Savings |
4.30%
Our best rate |
|
…a flat interest rate, no matter how much you save in this online-only account |
|
£1 |
|
| Savings Direct |
3.90 to 4.15%
|
|
…simple, day-to-day savings |
|
£1 |
|
| First Reserve |
1.55 to 1.60%
|
|
…starting your savings, with access to your money if you need it, using a cash card |
|
£1 |
|
| Reward Reserve |
1.25 to 1.60%
(excluding bonus) |
|
…earning a bonus if you can limit your withdrawals |
|
£2000 |
|
| Advantage Reserve |
3.85 to 4.15%
|
|
…Advantage Gold and Advantage Private customers |
|
£2000 |
|
| First Home Saver |
1.90 to 3.10%
|
…saving the deposit for your first home, and earning a valuable cashback |
|
£1 |
|
Looking to save tax efficiently? Consider an e-ISA
Most savings interest is taxed. However, the interest on our e-ISA isn't – you'll earn 5.50% AER from £1. You can save up to £3600 this tax year.
Earn over £75,000?
Enjoy preferential savings rates with NatWest Private Banking.