30 Day Bonus Reserve
Earn a bonus if you limit your withdrawals
Prefer not to dip into your savings? This notice account gives you a bonus if you limit your withdrawals.
Why choose a 30 Day Bonus Reserve account?
Annual bonus of 0.50% – if you make no more than four withdrawals over a year
30 days' notice – this is the amount of notice you need to give us if you want to make a withdrawal
Instant access possible - although you will be charged the equivalent of 30 days' interest
£2,000 to open – with no maximum balance
Tiered interest rates – the more you save, the more interest you earn
Get the savings habit - it's easy to set up a Standing Order into your savings account
Phone, in-branch and online – manage your savings account your way
Annual interest – paid at the end of March directly into your account, or another NatWest account you hold at the same branch
Fast transfers – it's quick and easy to move money from your other NatWest accounts to your savings account
This page provides the current interest rates that apply to this account. We have a separate page for previous savings interest rates.
Full copies of the fees and rates, and terms and conditions that apply to our personal accounts can be downloaded for our terms and conditions page.
Common definitions
Annual Equivalent Rate (AER). This is a notional rate used for interest bearing accounts which illustrates what the gross credit interest rate would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.
Gross Rate. This means the interest rate you are paid before the deduction of income tax.
Net Rate. This means the interest rate you are paid after the deduction of income tax.
Current savings rates
Excluding Bonus
| Balance | AER (variable) | Gross Rate | Net Rate |
|---|---|---|---|
| £100,000+ | 0.60% | 0.60% | 0.48% |
| £50,000 - £99,999 | 0.50% | 0.50% | 0.40% |
| £25,000 - £49,999 | 0.45% | 0.45% | 0.36% |
| £2,000 - £24,999 | 0.35% | 0.35% | 0.28% |
| £1 - £1,999 | 0.10% | 0.10% | 0.08% |
Interest paid annually.
Note: withdrawals require 30 day notice
Last updated on: 2 Jan 2009.
Including Bonus
| Balance | AER (variable) | Gross Rate | Net Rate |
|---|---|---|---|
| £100,000+ | 1.10% | 1.10% | 0.88% |
| £50,000 - £99,999 | 1.00% | 1.00% | 0.80% |
| £25,000 - £49,999 | 0.95% | 0.95% | 0.76% |
| £2,000 - £24,999 | 0.85% | 0.85% | 0.68% |
| £1 - £1,999 | 0.10% | 0.10% | 0.08% |
Interest paid annually.
Annual bonus amount - 0.50% (gross per annum)
Last updated on: 2 Jan 2009.
Important information
You can download terms and conditions for NatWest current accounts and savings accounts and information on fees and charges as PDFs.
We sometimes allow savings accounts to be operated in a way which enables the customer to give instructions for a withdrawal or other payment which cannot be met from the funds in the account. If this happens, we may apply charges to the account. Please read our leaflet Personal and Private Banking - A Guide to Fees and Interest which contains details of these charges.
NatWest Personal and Private Banking - Terms and Conditions (PDF File 302KB)
NatWest Personal and Private Banking - A Guide to Fees and Interest (PDF File 225KB)
You may need Adobe Reader to view some of these documents. Get Adobe Reader. Visit access.adobe.com.
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