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Savings

Ready to open a savings account?

Compare our full range of savings accounts, including tax-free ISA's, instant access and fixed rates.

Find savings account options that could work for you

Individual account eligibility criteria and conditions may apply.

View our savings accounts
Compare our savings range
Tools to help me monitor my savings
Manage my existing savings account
Savings v investing

Choose which savings account is best for you

Fixed Rate ISA

Lock in a tax-free rate and know exactly how much you'll earn

  • Grow up to £20,000 tax-free
  • Pick a 1 or 2 year term - £1,000 min deposit
  • Get interest paid on your savings annually
Information Message

You must be 18 or over and a UK resident for tax purposes. You can only subscribe to one cash ISA with the Royal Bank of Scotland in this tax year up to £20,000. Not eligible for Round Ups. Early closure charges may apply.

Interest rate

AER / Tax-free p.a. (fixed)

4.25%

1 year term

4.25%

2 year term

View Account

Fixed Rate ISA

Lock in a tax-free rate and know exactly how much you'll earn

  • Grow up to £20,000 tax-free
  • Pick a 1 or 2 year term - £1,000 min deposit
  • Get interest paid on your savings annually
Information Message

You must be 18 or over and a UK resident for tax purposes. You can only subscribe to one cash ISA with the Royal Bank of Scotland in this tax year up to £20,000. Not eligible for Round Ups. Early closure charges may apply.

Interest rate

AER / Tax-free p.a. (fixed)

4.25%

1 year term

4.25%

2 year term

View Account

Digital Regular Saver

Earn our highest interest rate when you save between £1-£150 each month

  • Get into a regular savings habit and have interest paid monthly on your savings
  • Instantly access your money whenever you need to
  • Top up with Round Ups and Rewards
Information Message

Eligible current and savings account required. Conditions and app criteria apply. Exclusively for current account customers, aged 16 and over. UK residents only. 

Interest rate

AER / Gross p.a. (variable)

5.25% / 5.13%

balances up to £5,000

1.00% / 1.00%

balances over £5,000

View account

Digital Regular Saver

Earn our highest interest rate when you save between £1-£150 each month

  • Get into a regular savings habit and have interest paid monthly on your savings
  • Instantly access your money whenever you need to
  • Top up with Round Ups and Rewards
Information Message

Eligible current and savings account required. Conditions and app criteria apply. Exclusively for current account customers, aged 16 and over. UK residents only. 

Interest rate

AER / Gross p.a. (variable)

5.25% / 5.13%

balances up to £5,000

1.00% / 1.00%

balances over £5,000

View account

Fixed Term Savings

Lock away your savings with our fixed term, fixed rate savings account

  • Fix your savings pot on balances between £1 - £3,000,000
  • Have interest paid monthly on your savings, as well as at maturity
Information Message

You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups.

Interest rate

AER / Gross p.a. (fixed)

4.11% / 4.03%

1 year term on balances between £1 - £99,999

4.20% / 4.12%

1 year term on balances between £100,000 - £3,000,000

4.15% / 4.07%

2 year term on balances between £1 - £99,999

4.25% / 4.17%

2 year term on balances between £100,000 - £3,000,000

View account

Fixed Term Savings

Lock away your savings with our fixed term, fixed rate savings account

  • Fix your savings pot on balances between £1 - £3,000,000
  • Have interest paid monthly on your savings, as well as at maturity
Information Message

You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups.

Interest rate

AER / Gross p.a. (fixed)

4.11% / 4.03%

1 year term on balances between £1 - £99,999

4.20% / 4.12%

1 year term on balances between £100,000 - £3,000,000

4.15% / 4.07%

2 year term on balances between £1 - £99,999

4.25% / 4.17%

2 year term on balances between £100,000 - £3,000,000

View account

Instant Access ISA

Save tax-free, access anytime

  • Keep more of what you earn - up to £20,000 tax-free
  • Access your savings whenever you need it
  • Start saving from £1
  • Get interest paid monthly on your savings
Information Message

You must be a UK resident aged 18+ and be an existing Royal Bank of Scotland current account customer. You can only hold one Instant Access ISA with the Royal Bank of Scotland. Not eligible for Round Ups.

Interest rate

AER / Tax-free p.a. (variable)

1.15%

balances of £1 - £24,999

2.45%

balances of £25,000+

View account

Instant Access ISA

Save tax-free, access anytime

  • Keep more of what you earn - up to £20,000 tax-free
  • Access your savings whenever you need it
  • Start saving from £1
  • Get interest paid monthly on your savings
Information Message

You must be a UK resident aged 18+ and be an existing Royal Bank of Scotland current account customer. You can only hold one Instant Access ISA with the Royal Bank of Scotland. Not eligible for Round Ups.

Interest rate

AER / Tax-free p.a. (variable)

1.15%

balances of £1 - £24,999

2.45%

balances of £25,000+

View account

Flexible Saver

A simple and flexible savings account for you to save what you can, when you can

  • Earn a higher interest rate on balances over £25,000
  • Get instant, easy access to your savings whenever you need them
Information Message

Exclusively for current account customers aged 16 and over. Interest paid monthly. Eligible for Round Ups.

Interest rate

AER / Gross p.a. (variable)

1.00% / 1.00%

balances up to £24,999

1.35% / 1.34%

balances of £25,000 - £99,999

1.60% / 1.59%

balances of £100,000 - £249,999

2.10% / 2.08%

balances of £250,000+

View account

Flexible Saver

A simple and flexible savings account for you to save what you can, when you can

  • Earn a higher interest rate on balances over £25,000
  • Get instant, easy access to your savings whenever you need them
Information Message

Exclusively for current account customers aged 16 and over. Interest paid monthly. Eligible for Round Ups.

Interest rate

AER / Gross p.a. (variable)

1.00% / 1.00%

balances up to £24,999

1.35% / 1.34%

balances of £25,000 - £99,999

1.60% / 1.59%

balances of £100,000 - £249,999

2.10% / 2.08%

balances of £250,000+

View account

Investment account

Stocks and Shares ISA

Investing is made simple with our Stocks and Shares ISA

  • A tax-efficient way to helpmeet your long term financial goals
  • Help protect your money from the effects of inflation
  • Keep more of what you earn with low fees
  • Start investing from £50 and invest up to £20,000 in the current tax year
Information Message

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

Key info

5 investment funds available from defensive to adventurous.

Managed by Coutts investment managers.

View account

Investment account

Stocks and Shares ISA

Investing is made simple with our Stocks and Shares ISA

  • A tax-efficient way to helpmeet your long term financial goals
  • Help protect your money from the effects of inflation
  • Keep more of what you earn with low fees
  • Start investing from £50 and invest up to £20,000 in the current tax year
Information Message

The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

Key info

5 investment funds available from defensive to adventurous.

Managed by Coutts investment managers.

View account

First Saver

Teaching kids under-16 to save for their future

  • Access funds instantly, if you need them.
  • This account is to be opened by a parent/guardian in trust for a child who is under 16 years old.
Information Message

Eligibility criteria and conditions apply. Interest is calculated daily and paid quarterly on the first business day in January, April, July and October and at account closure. Eligible for Round Ups. 

Interest rate

AER / Gross p.a. (variable)

1.60% / 1.59%

balances of £1+

View account

First Saver

Teaching kids under-16 to save for their future

  • Access funds instantly, if you need them.
  • This account is to be opened by a parent/guardian in trust for a child who is under 16 years old.
Information Message

Eligibility criteria and conditions apply. Interest is calculated daily and paid quarterly on the first business day in January, April, July and October and at account closure. Eligible for Round Ups. 

Interest rate

AER / Gross p.a. (variable)

1.60% / 1.59%

balances of £1+

View account

Calculate and compare your potential savings

Enter a few details and get an idea of what your balance could look like.

Information Message

Our calculations are done with today's interest rates - these could change in the future. The projected balances below assume you won't withdraw any money.

Duration
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1 year
2 years
3 years
4 years
5 years
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Projected balance

Interest earned

Interest rates (AER/Gross p.a.)

Rate type

Deposit limits

Access to money

Interest payments

Must have RBS current account?

Eligibility

Projected balance

Interest earned

Interest rates (AER/Gross p.a.)

Other interest rates

Rate type

Deposit limits

Access to money

Interest payments

Must have RBS current account?

Eligibility

The difference between saving and investing

Are you wondering about the best way to grow and protect your money?

Saving

Savings have the advantage of being dependable, predictable and easy to access. If you know you'll need a set amount of money in the next 12 months, for example, then regularly depositing in a savings account may be the best solution. Savings will grow over time as more money is put away, and any interest paid accrues on your balance. 

Information Message

Investing

If you are saving for a longer-term goal, typically five years or more, investing your money has the potential  to grow your money and help protect your buying power from the effects of inflation. 

The value of investments can fall as well as rise, you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.

Information Message

Learn more about Royal Bank Invest

Managing and protecting your savings

Manage your existing savings account

Your savings hub gives you everything you need to stay on top of your savings:

  • Check your interest rate
  • See when your interest will be paid
  • Learn about your personal savings allowance

Log in below to manage your account.

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View your savings hub

Tools to help monitor your savings

Our savings tools can help you to gain control over what’s coming in, what’s going out and how you could save more.

Round Ups

Savings Goal Tool

Budget Calculator

Managing your money

Information Message

Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of Royal Bank of Scotland are protected up to a total of £120,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

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Find out more