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Savings

Find the right savings account for you

How can we help you save?

Individual account eligibility criteria and conditions may apply

Our Fixed Term, Fixed Rate Savings Accounts

Starting from 4.30% / 4.22% AER/Gross, fix your savings for 1 or 2 years with our Fixed Term Savings Account. See product information below. Specific eligibility criteria and early closure charges apply.

The account for building your savings habit

Digital Regular Saver

6.17% AER / 6.00% Gross p.a. (variable) on balances up to £5,000, 1.75% AER / 1.74% Gross p.a. (variable) on balances over £5,000.

  • Earn our highest interest rate when you save between £1-£150 each month
  • Get into a regular savings habit
  • Instantly access your money whenever you need to
  • Apply online only in just 5 minutes
  • Top up with Round Ups
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Eligible current and savings account required. Conditions and app criteria apply. Exclusively for current account customers, aged 16 and over. UK residents only.

Other savings accounts

Our savings range offers you both instant access and fixed rate options. With Flexible Saver you can get immediate access to your funds and with our Fixed Term savings account you can lock away your funds with piece of mind on what your money will earn.

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Flexible Saver

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

Earn a better rate of interest on balances over £25,000

Get instant, easy access to your savings whenever you need them

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Fixed Term Savings

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

Fix your savings pot on balances between £1 - £5,000,000

1 year terms - earn 4.30% / 4.22% AER/Gross on balances between £1 - £5,000,000

2 year terms - earn 3.80% / 3.74% AER/Gross on balances between £1 - £5,000,000

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ISAs

Make the most of your £20,000 ISA allowance for the current tax year

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You can only hold one Instant Access ISA with the Royal Bank of Scotland. You must be a UK resident aged 16+. Tax free interest means interest payable is exempt from UK Income Tax.

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Instant Access ISA

Great for tax-free flexible saving

Enjoy tax-free interest on your savings up to £20,000

Open with as little as £1 and top up on the go

Access your money anytime, anywhere

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Fixed Rate ISA

Tax-free savings on balances starting from £1000

Any interest earned won't be taxed up to £20,000 for the current tax year

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Children's savings accounts

Invest in their future with our First Saver account

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. 

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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. 

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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 grow your money and help protect your buying power from the effects of inflation. 

The value of investments can go down as well as up, your capital is at risk. Eligibility criteria, fees and charges apply.

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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

Manage your existing savings account

Your savings hub can help you find out about your interest rate and when you will be paid the interest you've earnt. Help your savings grow by using our tools and top tips. And you can learn about your personal savings allowance.  Manage your account by clicking below and logging in.

Financial Services Compensation Scheme

Your eligible deposits held by a UK establishment of Royal Bank of Scotland are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the limit are unlikely to be covered.

Find out more about the scheme and how it protects your money.

Something else we can help you with?