Premier Banking
Savings accounts
Fix your savings rate

Premier

Thinking about fixing your next rate?

Fixed Rate ISA Open in new window

Fixed Term Savings Open in new window

Investing Open in new window

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We could help you fix your next savings rate

If you've got a fixed-term savings account that's coming to an end elsewhere, we could help you fix your savings again.

Whether you’re looking to save tax-free, lock in a guaranteed rate, or both, we've got options that could suit your plans.

Grow your savings tax-free with a Fixed Rate ISA

Use your £20,000 ISA allowance to lock in a fixed rate and grow your savings tax free.

Minimum deposit £1,000

Interest paid annually and at maturity

Fix your savings interest rate so you know the amount of interest you'll get paid.

One and two year Fixed Rate ISA rates

Fix for one year and earn 4.25% AER/tax free p.a. (fixed)
Fix for two years and earn 4.25% AER/tax free p.a. (fixed)

Available to new customers until 5pm on 17 June 2026. Available to existing customers until 22 June 2026. Please note that these issues may be withdrawn early due to limited availability.

Information Message

No withdrawals or deposits during the term. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date. Early closure fees may apply. You must be a UK resident aged 18+. T&Cs apply. Tax free interest means interest payable is exempt from UK income tax. Tax reliefs referred to are those applied under current UK legislation, which may change.

Fixed Rate ISA Open in new window

Guaranteed interest rate with a Fixed Term Savings account

Put your money away for your future with our fixed term, fixed rate savings account.

Minimum deposit £1

Interest paid monthly and at maturity

Fix your savings pot on balances between £1 - £3,000,000.

One and two year Fixed Term Savings Account rates

Fix for one year and earn 4.00% / 3.93% AER / Gross p.a. (fixed) on balances between £1 - £3,000,000.
Fix for two years and earn 4.00% / 3.93% AER / Gross p.a. (fixed) on balances between £1 - £3,000,000.

Available until 5pm on 01 July 2026 for new customers and 06 July 2026 for existing customers. Please be aware that this offer can be withdrawn at any time.

Information Message

To apply, you must be 16+ and a UK resident. T&Cs apply. Early closure charges may apply.

Fixed Term Savings Open in new window

Investing for the future

Don't forget your investing options for longer term saving, typically 5 years or more. A Stocks and Shares ISA or General Investment Account could play a key role in growing your money over time.

Over longer periods of time (five years or more), investments such as stocks, shares and funds, have the potential to give you higher returns compared to cash savings. But the value of investments can fall as well as rise. Eligibility criteria, fees and charges apply.

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We're always here to help

Your Royal Bank Premier Banking team is on hand to help you make the most of your savings or investments.

If you’d like to get in touch, you can speak to Premier 24 any time on 0333 202 3332 (Relay UK: 18001 0333 202 3332).

Definitions

Annual Equivalent Rate (AER) shows the interest rate if interest is paid and compounded once each year. AER helps you to compare the rates of interest on different accounts.

Compound interest is interest that is earned on interest that’s already been paid.

Gross means the interest rate you are paid on your savings with no compounding.

p.a. per annum (per year).

Tax-free. We pay all savings interest without the deduction of tax. You do not pay any UK tax on interest earned in ISAs. You may have to pay tax on interest earned in non-ISA accounts depending on your Personal Savings Allowance. The tax treatment may be subject to change in the future.

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. Read the FSCS Leaflet (PDF, 3.7 MB) to find out more about the scheme and how it protects your money.

Eligible investments with us are protected up to a total of £85,000 by The Financial Services Compensation Scheme (FSCS). This means if Royal Bank of Scotland were to cease trading, your money is protected. This doesn't include losses made as a result of investing. How is my money protected?