Compare our full range of savings accounts, including tax-free ISA's, instant access and fixed rates.
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Find savings account options that could work for you
Individual account eligibility criteria and conditions may apply.
Digital Regular Saver
5.25% AER / 5.13% Gross p.a. (variable) on balances up to £5,000, 1.00% AER / 1.00% Gross p.a. (variable) on balances over £5,000.
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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.
Tax-free savings, your way
New tax year, new chance to save - use your £20,000 ISA allowance with our Instant Access ISA and Fixed Rate ISA.
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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 18+. Tax free interest means interest payable is exempt from UK Income Tax.
Instant Access ISA
Save tax-free, access anytime.
- Keep more of what you earn - up to £20,000 tax-free
- Save little and often, starting from £1
- Access your savings whenever you need it
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Fixed Rate ISA
Lock in a tax-free rate.
- Grow up to £20,000 tax-free
- Pick a 1 or 2 year term - £1,000 min deposit.
- Fix your rate and know exactly what you'll 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 - £3,000,000
1 year term - earn 3.70% / 3.64% AER/Gross p.a. (fixed) on balances between £1 - £3,000,000
2 year term - earn 3.70% / 3.64% AER/Gross p.a. (fixed) on balances between £1 - £3,000,000
Interest is calculated daily and paid on the first business day of every month and on the Maturity Date.
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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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Calculate and compare your potential savings
Calculate and compare your potential savings
Enter a few details and get an idea of what your balance could look like.
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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.
Applicable savings accounts:
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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.
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.
Round Ups
Save your spare change with Round Ups. If you want to reach your savings goals even faster, try multiplying the spare change you save - multiply by 2, 3, 4 or 5 in your app.
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.
Find out more about the scheme and how it protects your money.