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This comparison simply includes all savings accounts.

Post Office
Online Saver Post Office
Min deposit £1
Term Instant Access
Interest AER 1.30%

Why we like it: MARKET LEADING - REGULAR SAVER, LOWEST MINIMUM. Earn 1.30% gross/AER variable. Open with £1. Unlimited free withdrawals. Interest paid monthly or annually. Manage your account online. FSCS protected

RCI Bank
Freedom Savings Account RCI Bank
Min deposit £100
Term Instant Access
Interest AER 1.30%

Why we like it: MARKET LEADING RATE. No notice period. Deposit from £100. Interest paid monthly or annually. Apply in minutes.

Ford Money
Flexible Saver Ford Money
Min deposit £1
Term Instant Access
Interest AER 1.17%

Why we like it: Open with £1. Unlimited deposits and withdrawals. Open an account singly or jointly. Interest can be paid monthly or annually. Eligible deposits covered by UK FSCS.

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 1 Year
Interest AER 1.80%

Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected

Ford Money
Fixed Saver Ford Money
Min deposit £500
Term 1 Year
Gross AER 1.70%

Why we like it: Minimum deposit £500. Open an account singly or jointly. Interest can be paid monthly or annually. Eligible deposits covered by UK FSCS.

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 2 Years
Interest AER 2.05%

Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected

Ford Money
Fixed Saver Ford Money
Min deposit £500
Term 2 Years
Gross AER 1.85%

Why we like it: Minimum deposit £500. Open an account singly or jointly. Interest can be paid monthly or annually. Eligible deposits covered by UK FSCS.

Masthaven Bank
Flexible Term Saver Masthaven Bank
Min deposit £500
Term 30 Months
Interest AER 1.85%

Why we like it: 30 month term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 3 Years
Interest AER 2.25%

Why we like it: Save from £5,000 to £500,000. No additional deposits or withdrawals permitted. FSCS Protected

Masthaven Bank
Flexible Term Saver Masthaven Bank
Min deposit £500
Term 4 Years
Interest AER 2.23%

Why we like it: 4 year term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

Masthaven Bank
Fixed Rate Bond Masthaven Bank
Min deposit £500
Term 5 Years
Interest AER 2.30%

Why we like it: 5 year term. Interest can be paid monthly or annually. Minimum deposit £500, Maximum deposit £250,000. No withdrawals permitted. FSCS Protected

Compare NatWest savings accounts

Everyone wants to get a good deal on their savings to maximise their return, but how do you pick an account when there are so many options on the market? Understanding the different types of accounts on offer and how they match your saving goals should make it much easier to make the right choice.

Current Accounts

Current accounts tend to offer very attractive interest rates on smaller sums of money, meaning it is usually a good idea to keep the maximum you can in your current account. For example, TSB are offering 5% AER on their TSB current account for balances up to £2,000, while Santander pay 1.5% AER up to a limit of £20,000.

Getting the best rate may mean that you need to switch to a different provider. It is important to note that many current accounts offer a higher rate for an introductory period, then drop it considerably going forward.

Instant Access Savings Accounts

If you need an account where you can put money in and take it out as and when you need to, an instant access account is worth considering. There is usually no fee for access, although there may be an annual limit on the number of withdrawals and deposits you can make.

You will usually be able to make transfers online and by phone and may even be given a cash card allowing you to make withdrawals at ATMs.

Regular Savings Accounts

Offering attractive rates of interest, regular savings accounts are designed to allow savers to make regular deposits each month to build their capital over time. You will normally have to make a minimum monthly deposit and there is likely to be a limit on how many withdrawals you can make each year. There will also usually be a maximum monthly deposit.

Because the amount in your account will be quite low initially, your returns may start off quite small even with a good interest rate. However, for long term saving the benefits can be substantial.

Fixed Rate Bonds

Anyone looking for a reliable investment should investigate fixed rate bonds. These offer a guaranteed interest rate for a set period (usually 1-5 years). On the downside, you normally cannot add extra funds or withdraw your money early if your financial situation changes.

Fixed rate bonds are usually best suited to those with a reasonable lump sum to invest that they have no immediate use for.

Cash ISAs

ISAs are intended for UK payers and allow you to earn interest tax-free on deposits up to a limit decided by the government. For 2017/18 the maximum you can invest is £20,000.

The most common ISAs are usually either instant access or fixed term. Instant access cash ISAs let you take out and put in money whenever you need to and give variable rates of interest. Fixed term cash ISAs offer guaranteed rates for the life of the account, but you cannot usually make additional deposits or take funds out until the ISA ends.

Find the best NatWest savings account for you

Our savings account comparison table, found at the top of this page, allows you to quickly and easily compare the best deals on savings accounts from across the market. That way you can be sure that you are getting the best return on your savings, whatever your objectives.

Latest news

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In these low interest times getting a decent rate of return on your cash is not easy. Surprisingly some of the best interest rates are available via current accounts.

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Simplysavingsaccounts.co.uk is a trading style of Fair Investment Company Ltd.

We've been comparing savings and current accounts for many years so you can trust you're in good hands.