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savings accounts

How can we help you save?

How to save money during lockdown


Review your subscriptions

From Spotify to Netflix, millions of us enjoy the benefits of entertainment and convenient paying options. But how often are you using the services you pay for? If the answer is occasionally or not at all, think about temporarily cancelling and save your money.


Freeze your gym memberships

A lot of fitness companies have already frozen direct debits while gyms remain closed. Make sure yours has and you're not needlessly paying for something you can't use.


Resist the urge to splurge

Boredom is a huge trigger when it comes to online spending. Resist the temptation to spend on items you don't absolutely need. That money you save could be used for something far more important to you in the future.

Free time

Utilise your free time

When was the last time you went through your income vs outgoings? Just by taking a couple of hours out you could uncover multiple ways of cutting costs.

Spare cash

Move spare cash into a savings account

For those that are able, moving spare cash into a savings account helps you adopt healthy savings habits during uncertain times. In addition, you'll start to build a sum which may come in handy in the future.

Instant Access Savings Account

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.

Savings Builder

Great for frequent savers, with balances of £10,000 or less

Earn up to 1.00% AER/Gross p.a. (variable) by growing your savings by £50 or more each month

Instant Saver

Flexible saving, with no need to deposit regularly

Save whatever you want, whenever you want, and earn 0.01% AER/Gross p.a. (variable)

Premium Saver

Better suited for those with balances over £25,000

Earn bonus interest of up to 0.34% AER/Gross p.a (variable) when you leave your savings untouched 

Instant Access ISA

Make the most of your 2020/21 £20,000 ISA allowance

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

Fixed Term Savings Accounts

Fix your interest rate for one or two years and know in advance how much your savings will earn.

Fixed Term Savings Account

Peace of mind savings on balances starting from £500

Tuck your money away and watch your savings grow

Fixed Rate ISA

Tax-free savings on balances starting from £1000

Any interest earnt won't be taxed up to £20,000 for the 2020/2021 tax year

Children's Savings Account

Invest in their future with our First Saver account

Open your account with just £1

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

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.

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 with 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.

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

Something else we can help you with?