Compare our range of
savings accounts

How can we help you save?

Our go-to account for building your savings habit

Digital Regular Saver

3.25% Gross / 3.30% AER p.a. (variable) on balances up to £1,000,
  • 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

Eligible current and savings account required. Conditions and app criteria apply.

Exclusively for current account customers, aged 16 and over. UK residents only.

Other instant access savings accounts

Our instant access accounts give you immediate access to your money and the flexibility on how much you want to save each month. Open today with just £1, exclusive to our current account customers.

Instant Saver

Flexible saving, with no need to deposit regularly

Save whatever you want, whenever you want, and earn 0.10% AER/Gross p.a. (variable)

Premium Saver

Better suited for those with balances over £25,000

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


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

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.

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


You can only hold one Instant Access ISA with the Royal Bank of Scotland. If you already have an Instant Access ISA with us, keep paying into that. 

You must not open another Instant Access ISA with any other provider in the same tax year. 

Fixed Rate ISA

Tax-free savings on balances starting from £1000

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

Children's savings account

Invest in their future with our First Saver account

Access funds instantly, if you need them

Hold the account in trust for a child or in the child’s own name if they’re 7 or over

Apply online in 5 minutes

The difference between saving and investing

Are you wondering about the best way to grow and protect your money?


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. 


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.

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?