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.
Fixed Rate ISA
Lock in a tax-free rate and know exactly how much you'll earn.
- Grow up to £20,000 tax-free
- Pick a 1 or 2 year term - £1,000 min deposit
- Get interest paid on your savings annually
Information Message
You must be 18 or over and a UK resident for tax purposes. You can only subscribe to one cash ISA with the Royal Bank of Scotland in any tax year up to £20,000. Not eligible for Round Ups. Early closure charges may apply.
Interest rate
AER / Tax-free p.a. (fixed)
4.40%
1 year term
4.40%
2 year term
Fixed Rate ISA
Lock in a tax-free rate and know exactly how much you'll earn.
- Grow up to £20,000 tax-free
- Pick a 1 or 2 year term - £1,000 min deposit
- Get interest paid on your savings annually
Information Message
You must be 18 or over and a UK resident for tax purposes. You can only subscribe to one cash ISA with the Royal Bank of Scotland in any tax year up to £20,000. Not eligible for Round Ups. Early closure charges may apply.
Interest rate
AER / Tax-free p.a. (fixed)
4.40%
1 year term
4.40%
2 year term
Flexible Saver
A simple and flexible savings account for you to save what you can, when you can.
- Earn a higher interest rate on balances over £25,000
- Get instant, easy access to your savings whenever you need them
Information Message
Exclusively for current account customers, aged 16 and over. Interest paid monthly.
Interest rate
AER / Tax-free p.a. (fixed)
1.00% / 1.00%
balances up to £24,999
1.35% / 1.34%
balances of £25,000 - £99,999
1.60% / 1.59%
balances of £100,000 - £249,999
2.10% / 2.08%
balances of £250,000+
Flexible Saver
A simple and flexible savings account for you to save what you can, when you can.
- Earn a higher interest rate on balances over £25,000
- Get instant, easy access to your savings whenever you need them
Information Message
Exclusively for current account customers, aged 16 and over. Interest paid monthly.
Interest rate
AER / Tax-free p.a. (fixed)
1.00% / 1.00%
balances up to £24,999
1.35% / 1.34%
balances of £25,000 - £99,999
1.60% / 1.59%
balances of £100,000 - £249,999
2.10% / 2.08%
balances of £250,000+
Instant Access ISA
Save tax-free, access anytime
- Keep more of what you earn - up to £20,000 tax-free
- Access your savings whenever you need it
- Get monthly interest payments on your savings
Information Message
You can only hold one Instant Access ISA with the Royal Bank of Scotland. You must be a UK resident aged 18+.
Interest rate
AER / Tax-free p.a. (variable)
1.15% / 1.14%
balances of £1 - £24,999
2.45% / 2.42%
balances of £25,000+
Instant Access ISA
Save tax-free, access anytime
- Keep more of what you earn - up to £20,000 tax-free
- Access your savings whenever you need it
- Get monthly interest payments on your savings
Information Message
You can only hold one Instant Access ISA with the Royal Bank of Scotland. You must be a UK resident aged 18+.
Interest rate
AER / Tax-free p.a. (variable)
1.15% / 1.14%
balances of £1 - £24,999
2.45% / 2.42%
balances of £25,000+
Digital Regular Saver
Earn our highest interest rate when you save between £1-£150 each month
Information Message
Eligible current and savings account required. Conditions and app criteria apply. Exclusively for current account customers, aged 16 and over. UK residents only.
Interest rate
AER / Tax-free p.a. (variable)
5.25% / 5.13%
balances up to £5,000
1.00% / 1.00%
balances over £5,000
Digital Regular Saver
Earn our highest interest rate when you save between £1-£150 each month
Information Message
Eligible current and savings account required. Conditions and app criteria apply. Exclusively for current account customers, aged 16 and over. UK residents only.
Interest rate
AER / Tax-free p.a. (variable)
5.25% / 5.13%
balances up to £5,000
1.00% / 1.00%
balances over £5,000
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
- Have interest paid monthly on your savings, as well as at maturity
Information Message
You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups.
Interest rate
AER / Tax-free p.a. (fixed)
3.90% / 3.83%
1 year term
4.00% / 3.93%
2 year term
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
- Have interest paid monthly on your savings, as well as at maturity
Information Message
You must be 16+ and a UK resident. Early closure charges may apply. Not eligible for Round Ups.
Interest rate
AER / Tax-free p.a. (fixed)
3.90% / 3.83%
1 year term
4.00% / 3.93%
2 year term
Investment account
Stocks and Shares ISA
Investing is made simple with our Stocks and Shares ISA
- A tax-efficient way to helpmeet your long term financial goals
- Help protect your money from the effects of inflation
- Keep more of what you earn with low fees
Information Message
The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
Key info
5 investment funds available from defensive to adventurous.
Managed by Coutts investment managers.
Investment account
Stocks and Shares ISA
Investing is made simple with our Stocks and Shares ISA
- A tax-efficient way to helpmeet your long term financial goals
- Help protect your money from the effects of inflation
- Keep more of what you earn with low fees
Information Message
The value of investments can fall as well as rise, and you may not get back the full amount you invest. Eligibility criteria, fees and charges apply.
Key info
5 investment funds available from defensive to adventurous.
Managed by Coutts investment managers.
First Saver
Teaching kids under-16 to save for their future
- 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.
Information Message
Eligibility criteria and conditions apply. Interest is calculated daily and paid quarterly on the first business day in January, April, July and October and at account closure.
Interest rate
AER / Gross p.a. (variable)
1.60% / 1.59%
balances of £1+
First Saver
Teaching kids under-16 to save for their future
- 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.
Information Message
Eligibility criteria and conditions apply. Interest is calculated daily and paid quarterly on the first business day in January, April, July and October and at account closure.
Interest rate
AER / Gross p.a. (variable)
1.60% / 1.59%
balances of £1+
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.
Information Message
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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Manage your existing savings account
Your savings hub gives you everything you need to stay on top of your savings:
- Check your interest rate
- See when your interest will be paid
- Learn about your personal savings allowance
Log in below to manage your account.
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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.
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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.
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