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.
| Savings Account | AER (variable) | Ideal for ... | Manage account | Save from | |
|---|---|---|---|---|---|
| e-Savings | 1.30% | …earn 1.30% no matter how much you save in this online-only account |
|
£1 |
Find out more
|
| First Reserve | 0.20% | …starting your savings, with access to your money if you need it, using a cash card |
|
£1 |
Find out more
|
| First Home Saver | 1.00% | …saving the deposit for your first home, and earning a valuable cashback |
|
£1 | Find out more |
| Reward Reserve |
0.20% to 0.30%
(excluding bonus) |
…earning a bonus if you can limit your withdrawals |
|
£2000 |
Find out more
|
| Savings Direct | 0.90% to 1.15% | …simple, day-to-day savings |
|
£1 |
Find out more
|
| Advantage Reserve | 1.25% to 1.55% | …Advantage Gold and Advantage Private customers |
|
£2000 |
Find out more
|
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 3.49% AER (variable) from £1. You can save up to £3600 this tax year.
Earn over £75,000?
Enjoy preferential savings rates with NatWest Private Banking.