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You could win £10,000 when you save or invest with a Royal Bank ISA

  • Plus 110 other cash prizes up for grabs

You must be a UK resident aged 18+. You can only subscribe to one cash ISA with Royal Bank in the current tax year up to £20,000. 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.
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. There is a chance you may get back less than you put in. Ensure you have safety net savings before starting to invest. Eligibility criteria, fees and charges apply.

How does the prize draw work?

For every £50 you add to an ISA, you'll receive one entry into our prize draw. For example, if you save or invest £100, you'll be entered twice into the draw and double your chances of winning one of our cash prizes. To enter:
 
  • Make a payment or transfer into a Fixed Rate ISA, Instant Access ISA, Stocks and Shares ISA or Junior ISA; or
  • Set up a new monthly payment or increase a current regular payment to an ISA.
  • Customers with existing monthly payments into an ISA will be automatically entered for every £50.
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What could you win?

We have 111 prizes to give away:

  • One lucky winner will receive £10,000
  • 10 winners each get £1,000
  • 100 will win £100

 

Download T&Cs (PDF. 88.5KB)

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Entry open until 11th January 2027 subject to the eligibility criteria and exclusions. For entries via ISA transfer, the transfer must be fully complete and funds within the ISA by 25th January 2027.  Free entry route available (see T&Cs). Customers must email their full name, date of birth, telephone number, email address, first line of address and postcode to ISAprizedraw@rbs.com.  Employees of NatWest Group and their families are not eligible for the prize draw.

Our eligible accounts

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You can contribute up to £20,000 in total across all your ISA accounts with us or elsewhere this tax year.

Fixed Rate ISA

  • Earn 4.55% AER/tax free p.a. (fixed) with 1 year term.
  • Earn  4.60% AER/tax free p.a. (fixed) with 2 year term.
  • Early closure charges may apply. 
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No withdrawals or deposits during the term. Available to new customers until 5pm on 09 December 2026. Available to existing customers until 14 December 2026. Please note that these issues may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date.

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Fixed Rate ISA

  • Earn 4.55% AER/tax free p.a. (fixed) with 1 year term.
  • Earn  4.60% AER/tax free p.a. (fixed) with 2 year term.
  • Early closure charges may apply. 
Information Message

No withdrawals or deposits during the term. Available to new customers until 5pm on 09 December 2026. Available to existing customers until 14 December 2026. Please note that these issues may be withdrawn early due to limited availability. Interest is calculated daily and paid annually to your ISA on the first business day in April and on the Maturity Payment Date.

Discover Fixed Rate ISA

Instant Access ISA

  • Earn  1.15% AER / Tax free p.a. (variable) on balances of £1-24,999.
  • Earn 2.45% AER / Tax free p.a. (variable) on balances of £25,000+ .
  • Open with as little as £1 and top up on the go.
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Interest is paid annually on your savings. Exclusively for Royal Bank of Scotland current account customers.

 

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Instant Access ISA

  • Earn  1.15% AER / Tax free p.a. (variable) on balances of £1-24,999.
  • Earn 2.45% AER / Tax free p.a. (variable) on balances of £25,000+ .
  • Open with as little as £1 and top up on the go.
Information Message

Interest is paid annually on your savings. Exclusively for Royal Bank of Scotland current account customers.

 

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Stocks and Shares ISA

  • Start investing from £50.
  • You could invest up to £20,000 each tax year, with no UK Income or Capital Gains Tax on any money you make.
  • Choose an investment fund you’re comfortable with from five straightforward options.
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Stocks and Shares ISA

  • Start investing from £50.
  • You could invest up to £20,000 each tax year, with no UK Income or Capital Gains Tax on any money you make.
  • Choose an investment fund you’re comfortable with from five straightforward options.
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Junior ISA

  • We could help you invest for your child’s future.
  • Start with just £50 and top-up with as little as £10.
  • You have the option to invest up to £9,000 per child each tax year, with no UK Income or Capital Gains Tax on any money you make.
Discover Junior ISA

Junior ISA

  • We could help you invest for your child’s future.
  • Start with just £50 and top-up with as little as £10.
  • You have the option to invest up to £9,000 per child each tax year, with no UK Income or Capital Gains Tax on any money you make.
Discover Junior ISA

Learn more about savings and investments

Looking for the best way to grow and protect your money? We’ve summarised the key differences between savings vs investments. You can find out more in our savings vs investments guide.

Saving

  • Savings are dependable, predictable and relatively easy to access. 
  • If you know you’ll need a set amount of money in the next 12 months, regularly depositing in a savings account may be the best solution. 
  • Savings grow over time as more money is put away and your balance earns interest.
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Investing

  • If you are saving for a longer-term goal, typically five years or more, investing your money has the potential to deliver a better return. Then like a snowball effect, the potentially better gains stay invested so that they have the opportunity to grow further each year.
  • Investing gives your money the chance of outperforming the rising cost of living, protecting its purchasing power against the effects of inflation.
  • The value of investments can go down as well as up.
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Our savings and investment guides

Manage your savings account
Things to know if you are new to investing
Our investment guides