Overlay
Put your money on track

Give your money a lift with a business savings account

Small steps could lead to big wins.

Plan for your business's future with the right savings account

No cards matched

Business Reserve

Access your funds anytime and earn interest when you save

Commonly used for:

  • Surplus cash and want to improve the return on it but still be able to access it without notice
  • Managing separate funds on a day to day basis for your savings
  • Accessing to your business savings instantly 

Key info

  • Access to Funds: Instant 
  • Interest Calculation: Daily, paid monthly
  • No minimum or maximum balance 
  • Account can be managed via Telephone or Digital Banking

Interest rate

AER/Gross p.a (variable)

1.46% / 1.45%

on balances up to £999,999

AER/Gross p.a (variable)

1.71% / 1.70%

on balances from £1m to £9,999,999

AER/Gross p.a (variable)

1.92% / 1.90%

on balances over £10,000,000

Liquidity Manager Notice Account

Lock your funds away for 35 or 95 days at a time

Commonly used for: 

  • Surplus cash and you want to improve the return where you don’t need immediate access to funds
  • Looking for a better rate of return compared to our instant access account 

Key info

  • Access to Funds: 35 or 95 Day Notice required  
  • Interest Calculation:  Daily, paid monthly
  • No minimum or maximum balance 
  • Account can be managed via Telephone or Digital Banking

Interest rate

AER/Gross p.a (variable)

3.25% / 3.20%

On 35 Day Notice Accounts

AER/Gross p.a (variable)

4.25% / 4.17%

On 95 Day Notice Accounts

Treasury Reserve

Save more for longer for greater returns

Commonly used for: 

  • Fixing your interest rate and watching your savings grow.
  • Locking away your spare cash from overnight, for up to 12 months, for an even better interest rate
  • Certainty on what interest you'll earn on your savings

Key info

  • Access to Funds: Early withdrawals not permitted
  • Interest Calculation: Daily, paid at maturity
  • Minimum Balance of £100k 
  • Account cannot be viewed online
  • Fixed interest rates linked to the London money market
  • We will agree the interest rate with you when you open your account. 

Client Deposit Manager

Access anytime and earn interest on your client's money

Commonly used for: 

  • Efficiently managing third party funds on behalf of your clients
  • Managing separate accounts for each client or have just the one
  • Accessing to your business savings instantly

Key info

  • Access to Funds: Instant 
  • Interest Calculation : Daily, paid quarterly
  • No minimum or maximum balance
  • Account can be managed via Telephone or Digital Banking

Interest rate

AER/Gross p.a (variable)

1.46% / 1.45%

on balances up to £999,999

AER/Gross p.a (variable)

1.71% / 1.70%

on balances from £1m to £9,999,999

AER/Gross p.a (variable)

1.91% / 1.90%

on balances over £10,000,000

Client Account Manager

Our new automated payments tool Client Account Manager (CAM), is a smart, fast and easy way to manage third-party funds

Commonly used for:

  • A safe access to your client’s separate accounts
  • Making reconciliation easier
  • Meeting your regulatory obligations

Key info

  • Regulated companies only 
  • 25 client accounts or minimum balance of £300k
  • Only use your account for managing your clients' monies
  • Client Account Manager is accessed via Bankline
  • You can manage how interest is paid to your clients with the option to include flexible interest agreements at an aggregation or client account level

Manage your savings account

Get more from your savings account with helpful information on managing your account, interest rates, Digital and mobile banking, additional products and more.  

What savings account is right for my business?

Let's get started...

Which of these statements best describes what you want from a savings account?
Will your savings account be used to hold funds for your clients?

Check out Business Reserve

Based on your responses, our Business Reserve account could be the right savings account for your business because:

  • You need instant access to your savings
  • You will use the account for your own savings, not client funds

To find out more, click View Business Reserve below.

If you want to reconsider any of your responses, click Previous.

Check out Client Deposit Manager

Based on your responses, Client Deposit Manager could be the right savings account for your business because:

  • You need instant access to your savings
  • You will use the account to hold client funds

To find out more, click View Client Deposit Manager below.

If you want to reconsider any of your responses, click Previous.

Do you intend to save more than £100,000?
Our Treasury Reserve fixed term savings account has a minimum balance of £100,000. If you intend to save less than £100,000, please answer no below.
Do you want a fixed term or notice savings account?
A fixed term savings account means you cannot access your savings until the end of your agreed term. Notice accounts allow you to access your funds after giving notice. We offer accounts with either a 35 or 95 day notice period.

Check out Treasury Reserve

Based on your responses, our Treasury Reserve account could be the right savings account for your business because:

  • You're comfortable locking up your savings for an agreed period of time
  • You intend to save more than £100,000
  • You indicated a preference for a fixed-term savings account over a notice account

Treasury Reserve has a minimum balance of £100,000, and lets you save as much as you like for up to 12 months. The interest rate increases the more you save, and the longer you save it for. 

To find out more, click View Treasury Reserve below.

If you want to reconsider any of your responses, click Previous.

Check out Liquidity Manager

Based on your responses, our Liquidity Manager account could be the right savings account for your business because:

  • You're comfortable locking up your savings for an agreed period of time
  • You indicated a preference for a notice account over a fixed-term savings acccount

Liquidity Manager is available with a 35 or 95 day notice period. This means you must provide us with either 35 or 95 days notice to withdraw funds.

To find out more, click View Liquidity Manager below.

If you want to reconsider any of your responses, click Previous.

About our Treasury Reserve fixed term account

Treasury Reserve offers you the security of a fixed interest rate. This interest rate is agreed when you open your account.

You must deposit at least £100,000 but there is no maximum limit. Importantly, you won't be able to access your savings again until the term ends.

Find out more about Treasury Reserve.

 

About our Liquidity Manager notice account

There are no minimum or maximum balances with Liquidity Manager — you can save as much or as little as you like.

Liquidity Manager is available with either a 35 or 95 day notice period. This means that you must provide us with 35 or 95 days notice to withdraw funds from the account.

Find out more about Liquidity Manager.

Check out Liquidity Manager

Based on your responses, our Liquidity Manager account could be the right savings account for your business because:

  • You're comfortable locking up your savings for an agreed period of time
  • You intend to save less than £100,000

Liquidity Manager is available with a 35 or 95 day notice period. This means you must provide us with either 35 or 95 days notice to withdraw funds.

To find out more, click View Liquidity Manager below.

If you want to reconsider any of your responses, click Previous.

Useful info about our business deposit accounts

Do I need to be a Royal Bank of Scotland customer to apply?

No, you are not required to open or maintain a business current account with us in order to obtain or manage a business deposit account.

Can I switch banks after taking out a Deposit product?

You are able to switch your Business Current Account or your business banking to another provider while retaining your deposit product with us.

Something else we can help you with?