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This comparison simply includes all savings accounts.

Cynergy Bank
Online Easy Access Account Cynergy Bank
Min deposit £1
Term Easy Access
Interest AER 1.31%

Why we like it: Unlimited deposist and withdrawals, interest paid annually. Includes 0.61% AER bonus for first 12 months. Eligible deposits covered by UK FSCS.

Aldermore
Easy Access Account Aldermore
Min deposit £1000
Term Easy Access
Interest AER 1.25%

Why we like it: Balances from £1,000 to £1 million. Unlimited withdrawals without restriction or loss of interest. Eligible deposits covered by UK FSCS.

Ford Money
Flexible Cash ISA Ford Money
Min deposit £1
Term Instant Access
Interest AER 1.27%

Why we like it: Minimum deposit £1. Unlimited deposits. Transfer in ISAs held elsewhere - no limit. Eligible deposits covered by UK FSCS.

Cynergy Bank
Fixed Rate Cash ISA Cynergy Bank
Min deposit £500
Term 1 Year
Interest AER 1.40%

Why we like it: Minimum deposit £500. Transfer in ISAs held elsewhere - no limit. Eligible deposits covered by UK FSCS.

Habib Bank Zurich
Fixed Rate Bond Habib Bank Zurich
Min deposit £1000
Term 1 Year
Interest AER 1.65%

Why we like it: Minimum deposit £1000. No withdrawals permitted. Apply online. 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 1.75%

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

The Access Bank UK
Fixed Rate Bond The Access Bank UK
Min deposit £5000
Term 3 Years
Interest AER 1.85%

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

Aldermore
Fixed Rate Bond Aldermore
Min deposit £1000
Term 4 Years
Interest AER 1.80%

Why we like it: Minimum deposit £1,000 - No withdrawals permitted - FSCS Protected

Aldermore
Fixed Rate Bond Aldermore
Min deposit £1000
Term 5 Years
Interest AER 2.00%

Why we like it: Minimum deposit £1,000 - No withdrawals permitted - FSCS Protected

easyMoney
Premium Innovative Finance ISA (IFISA) easyMoney
Min deposit £10000
Term No Fixed Term
Annual Interest Target rate 5.12%

Why we like it: Higher rates available if investing over £20,000 (6.06%) or over £100,000 (7.01%). Invest up to £20,000 this tax year and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. When you join the easyMoney family you will automatically become an easyMoney plus card member, offering savings at over 1,000 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680). As with all investing, your capital is at risk when you lend to businesses and returns are not guaranteed. No FSCS. For more details please refer to our full risk statement.

Disclaimer: When making a peer to business loan, your capital lent to a borrower is not covered in the event of loss by the FSCS

easyMoney
Classic Innovative Finance ISA (IFISA) easyMoney
Min deposit £100
Term No Fixed Term
Annual Interest Target rate 3.67%

Why we like it: Invest up to £20,000 this tax year (2018/19) and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. Invest over £1,000 and you will automatically become an easyMoney plus card member, offering savings at over 1,000 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680). As with all investing, your capital is at risk when you lend to businesses and returns are not guaranteed. No FSCS. For more details please refer to our full risk statement.

Disclaimer: When making a peer to business loan, your capital lent to a borrower is not covered in the event of loss by the FSCS

Nationwide
FlexDirect Current Account Nationwide
Open With £1000
Account Type Current Account
Interest AER 5.00%

Why we like it: 5.00% interest for 12 months on balances up to £2,500 for the first year. You must pay in £1,000 or more each month to receive interest (excluding transfers from any Nationwide account held by you or anyone else). 12 month fee-free arranged overdraft available. No monthly fee. Must be aged 18 or older.

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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. 

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 you 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 between 1 and 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 suited to UK taxpayers, as they allow you to earn tax-free interest 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 they 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

Pensioner Bond Maturity - 5 Ideas For Your Cash

From January 2018 over 900,000 people who invested in pensioner bonds will start to see their bonds mature. Savers who have been enjoying 4% pa are going to get a shock when they look for comparable returns from cash in the current market. We have put together 5 ideas for your cash in 2018

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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.