Digital Regular Saver

Our go-to account for building your savings habit

To apply you must be 16+, hold a Royal Bank of Scotland current account and this must be your only Digital Regular Saver account.

How does it work?

Kick off your savings habit

Open your account & set up a standing order to regularly pay in £1-£150 each month when you open your account.

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Top up with Round Ups

Round Ups don't count towards your monthly limit, so you can top up your Digital Regular Saver with the spare change every time you spend on your debit card.

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Flex your saving to suit you

You can change your standing order whenever you need to, or top-up your monthly contribution if you haven't already hit your £150 limit for the month.


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Account name: Digital Regular Saver

What is the interest rate?

Can Royal Bank change the interest rate?

Yes, we may change the rate up or down. There are a few reasons for this, such as a change in the Bank of England base rate. You can find a full list of reasons for an interest rate change in section 9.2 of the Savings Account Terms. We’ll give you at least 14 days’ notice if the rates are going down and your balance is £100 or more. Otherwise we’ll tell you before or shortly after the change. You can find more details about how we’d tell you about a change in section 9.2 of the Savings Account Terms (PDF, 474KB).

What would the estimated balance be after 12 months based on a range of deposits?

How do I open and manage my account?

You can open a Digital Regular Saver if you're

  • A UK resident, aged 16 years or over and a Royal Bank of Scotland current account holder.
  • We will need an email address and mobile number to open your account. You can update them online
  • You can manage your account on our mobile app, online, in branch or by telephone.
  • You are able to use Round Ups with Digital Regular Saver.
  • You can only pay up to £150 into the account each calendar month. This includes your standing order and any extra money you put in. Round Ups won't count towards your monthly £150 limit. Any amount over this limit may be automatically moved to your current account. If you repeatedly try to pay more than £150 each month into the account, you will be given 60 days’ notice to close the account.
  • There's no minimum deposit to open the account, however you'll need to set up a standing order from your Royal Bank of Scotland current account of between £1 and £150 each calendar month into the account. If you wish to put extra money into the account, the combination of this and your standing order cannot exceed the £150 per calendar month limit. There is no maximum balance limit, however, the higher interest rate will only apply to balances up to and including £5,000.
  • Extra money can come from a current or savings account in your name held with us or held with another bank (online, by telephone or on the mobile app) as long as it doesn't exceed the £150 monthly limit.
  • You can only have one Digital Regular Saver and it needs to be in your name. Joint accounts aren’t allowed.
  • If you close your account, you will not earn interest for the month of closure.

Can I withdraw money?

Yes, you can withdraw your money at anytime. Simply move the amount you want to your current account held with us using your Digital Banking, mobile app, in branch or by telephone.

If you close or switch your current account with us in future, you will only be able to withdraw money from your account in branch.


Annual Equivalent Rate (AER)

Stands for the Annual Equivalent Rate. It shows you what the rate would be if interest was paid and compounded each year.

Gross Rate

The interest rate you are paid without the deduction of UK income tax.


Per annum (per year)

Frequently asked questions

Get ready to apply

Before you apply, we need to check you're happy with a few things. And ask you a few questions up front. Then we can make your application as quick and simple as it can be.

First things first. Please take a look at the important legal info:

How your information might be used

It’s important for you to understand how we use and share your information. Please read this short summary before you continue with your application.

Ready to apply?

Before you start your application we need to check a few things.

Remember, to apply for a Digital Regular Saver account, you must be aged 16 or over and a UK resident.

Do you already have an existing Digital Regular Saver?

Sorry, you can't apply for another Digital Regular Saver account

You can only hold one Digital Regular Saver but don’t worry we have a range of other savings accounts which may suit your savings needs.

Do you have Digital Banking?

Great. Let's get your application started.

Remember, to apply for a Digital Regular Saver account, you must: 

  • Be a current account customer
  • Be aged 16 or over and a UK resident
  • Login using your Royal Bank Digital Banking details at the start of the application

Register for Digital Banking

You'll need to sign up for Digital Banking with us in order to apply for the Digital Regular Saver account online. The good news is that it normally takes just 5 minutes.

What you'll need

You'll need your sort code and account number, and your Royal Bank debit card if you have one.