NatWest savings: Digital Regular Saver, fixed term and Fixed Rate ISA
Important: This guide provides general information, not personalised financial advice. Financial products, rates and eligibility rules can change, so check the provider’s current terms before applying. You can check a firm’s details on the FCA Register.
FSCS protects eligible deposits up to £120,000 per person, per authorised institution.
Quick answer
As of 3 October 2026, NatWest’s Digital Regular Saver paid 5.25% AER (5.13% gross) variable on balances up to £5,000, and 1.00% above that. You can pay in £1 to £150 a month, and it’s only for NatWest current account customers aged 16 or over.
Its one-year Fixed Term Savings paid 4.11% AER on balances under £100,000, and the Fixed Rate ISA 4.25% AER for one or two years (NatWest, 19 October 2026).
Who it’s for
- NatWest current account customers who can save up to £150 a month
- Savers wanting a one- or two-year fix
Who should skip it
These are general points to weigh up, not advice. You may want to look elsewhere if:
- You don’t bank with NatWest — the Regular Saver needs a NatWest current account
- You want to save more than £150 a month at the Regular Saver rate
NatWest savings rates
| Account | Rate | Key limits |
|---|---|---|
| Digital Regular Saver | 5.25% AER / 5.13% gross variable up to £5,000; 1.00% above | £1–£150 a month; NatWest current account customers aged 16+ |
| Fixed Term Savings (1 year) | 4.11% AER / 4.03% gross (£1–£99,999); 4.20% AER (£100,000+) | £1 minimum; 16+; early closure charges may apply |
| Fixed Term Savings (2 years) | 4.15% AER / 4.07% gross (£1–£99,999); 4.25% AER (£100,000+) | As above |
| Fixed Rate ISA | 4.25% AER tax-free fixed (1 or 2 years) | £1,000 minimum; 18+; interest paid annually |
Figures as of 3 October 2026, from NatWest’s savings page; all rates re-checked on 19 October 2026 (Fixed Rate ISA updated). Rates may change.
The catch
The Regular Saver rate drops to 1.00% on anything over £5,000. Early closure charges may apply to fixed accounts.
Check NatWest’s current savings rates.
These go straight to each provider’s own website. They aren’t referral links and we don’t earn from them.
FAQs
Who can open the NatWest Digital Regular Saver?
NatWest current account customers aged 16 or over who live in the UK.
How much can I save each month?
Between £1 and £150 a month.
Can I transfer an ISA to NatWest?
NatWest accepts ISA transfers. See how to transfer an ISA.
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