Latest Cash ISA Offers

NatWest Cash ISAs

Compare NatWest ISAs With The Market

Natwest Cash ISAs come in a range of shapes and sizes to suit your individual needs. Whether you are looking for a fixed rate or more instant access, you should compare NatWest ISAs with what other deals are available in the market. Use the tables below to compare Natwest ISAs

Investment ISAs
ProviderAccountISA TransfersProtection schemeFund choiceInvest From:More info
yes

FSCS

Managed Portfolio

Min. £500 single

(+ £100pm for ISAs below £5,000)

More Info >
Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose a portfolio that’s fully managed by our expert team, or one designed to remain steady and rebalance automatically. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500 (plus £100 per month for ISAs below £5,000). Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page.. Plus, live chat, amazing customer support and brilliant investor tools and guides. Regulated by the FCA and protected by the FSCS. Capital at risk.
yes

FSCS

Choice of Funds from Scottish Friendly

£10 per month

or £100 single

More Info >
Why we like it: Invest from only £10 a month, lump sums from just £100 or a combination of both using your tax-free Investment ISA allowance. You can stop, restart, raise or lower your payments or your investments and cash in whenever you want. Choice of investing in one easy choice fund ISA, or a selection of nine different fund ISA's. Your money will be invested in a policy within a Scottish Friendly ISA which will then invest in a choice of funds from Scottish Friendly including stock market and bond funds.
yes

FSCS

1,500+ funds

£50 per month

or £500 single

More Info >
Why we like it: Invest through an award winning FTSE company, with extensive research and analysis and competitive charges. Choose from a range of investments including shares, funds, gilts, bonds, investment trusts and ETFs.
yes

FSCS

2,500+ funds

£25 per month

or £100 single

More Info >
Why we like it: Choose your own funds or alternatively a ready made portfolio. Market-beating savings and discounts of up to 5.5%. No charge to buy and sell funds. Low, tiered annual charges for holding funds, with a maximum of just 0.45% per annum. Free fund updates and analysis from experienced research team. Invest with a financially secure, FTSE 100 company.


yes

FSCS

Online Advised and Managed Account

£25 per month

or £250 lump sum

More Info >
Why we like it: The Munnypot Stocks & Shares ISA is provided in combination with automated online investment advice. Munnypot monitors the performance of your investment 24/7 in relation to your goals. If the performance of your investment deviates negatively from your goal, Munnypot will automatically notify you with advice on how you can get your goal back on track. The low-cost service ensures you keep more of your Munnypot investment returns.  You can choose to withdraw your money for free at any time. Set up your account online in just 15 minutes. The value of investments can go down as well as up, so you could get back less than you invest. Capital at risk.
yes

FSCS

With-Profits Fund

£30 per month

or £500 single

More Info >
Why we like it: You don’t have to make any tricky investment decisions; your money will be invested in Shepherds With Profits Fund, and the bonuses you could receive will depend on the future performance of the fund. To try to achieve higher returns for you, your money is invested in a variety of assets, the majority of which consist of stocks and shares, but also property, bonds and cash. While returns are not guaranteed in stocks and shares investments and the value can go down as well as up, Shepherds apply a process known as ‘smoothing’ that attempts to even out fluctuations in the value and aims to keep a consistent level of bonus payments.
Important information: Investment ISAs are tax-efficient wrappers for long term investments. Capital at risk. Charges may apply.  Tax rules may change in the future and whether particular tax rules benefit you, will depend on your individual circumstances. ISA transfer charges may apply, please check with your provider.
Peer to Peer Fixed Term ISA - Earn high tax free interest
ProviderAccountTarget ReturnTermMore Info

up to 8.70%

per annum

1 to 5 YearsMore Info >
  • Earn estimated 8.70% APR*
  • 1 - 5 year term
  • Available for ISA, ISA transfer & direct investment
  • Minimum investment £10
  • Manage your account online
  • Capital is at risk and returns may be higher or lower
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS
6.00%
target rate pa		No Fixed TermMore Info >
  • Happy New Tax Year: Up to £400 cashback available when you invest between £5,000 and £20,000 by 30 April 2018. Open to new and existing investors. Terms Apply.
  • Innovative Finance ISAs (IFISA) are the new way to invest tax-free. Just like Cash and Stocks & Shares ISAs, you can invest up to £20,000 tax year, and you don’t need to pay any personal taxes on your earnings
  • Lending Crowd will automatically diversify your funds across at least 20 loans through their Loan Market, with no more than 5% of your funds invested in any one loan. All repayments will be automatically reinvested.
  • Target return - 6% a year
  • No income tax or capital gains tax to pay on your profits
  • No fixed term, hold for as long as you wish
  • Also accepts ISA transfers from previous year's ISA's 
  • Minimum investment £1,000, Maximum £20,000
  • The target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS
3.75%
annualised pa		Up to 5 YearsMore Info >
  • The Property‐Backed ISA is the latest in Landbay's peer‐to‐peer investments following the introduction of the Innovative Finance ISA from HM Treasury in 2016. A Landbay ISA investment is the same as a Classic investment with a tax‐free wrapper
  • Earn estimated 3.75% APR*
  • Up to 5 year term
  • Also accepts ISA transfers from previous year's ISA's 
  • Minimum investment £5000, Maximum £20,000
  • No ongoing fees or investment fees
  • Investments are automatically diversified across multiple buy-to-let mortgages
  • Sell your investment on the secondary market at any time, subject to Landbay's ability to reallocate your invested loan parts
  • Landbay's Reserve Fund exists in case a borrower misses a payment or defaults. To date they've had none
  • Capital is at risk and returns may be higher or lower
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS
3.1% to 5.00%
average annualised rate		Easy Access, 1 Year or 5 Year Peer to PeerMore Info >
  • New investor offer: £100 bonus when you invest £1,000+ for a year. Ts & Cs apply
  • Innovative Finance ISA - all earnings are tax free
  • Choice of three markets: Rolling, 1 Year or 5 Year
  • Annualised average target return of between 3.1% and 5.0%
  • Capital and interest is only paid at the end of loan term in 2 out of the 3 markets – in the 5 year the interest is repaid in line with the investment repayment
  • Access your money early if funds available in market to replace withdrawal
  • Provision fund provides buffer against credit losses
  • Capital at risk
  • Must be aged 18 or older
  • RateSetter IF ISA is an investment, not a deposit account
  • Provision fund is not a guarantee
  • Peer to peer lending is not covered by the FSCS

Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders offer their own compensation schemes.

*Returns may be higher or lower

Instant Access Cash ISAs
ProviderAccountInterest RateTermApply

1.11%

Instant AccessApply Now >
Earn 1.11% AER variable interest. Interest can be paid monthly or annually. Minimum deposit £1. Unlimited deposits and withdrawals permitted. Transfers in allowed. FSCS Protected
1.05%30 Days NoticeApply Now >
1.05% gross/AER. £1,000 minimum opening balance. Unlimited withdrawals subject to 30 days notice.
0.75%Instant AccessApply Now >
0.75% AER/gross. Instant Access. Minimum deposit £1.
0.75%35 Days NoticeApply Now >
0.75% gross/AER. £500 minimum opening balance. Unlimited withdrawals subject to 30 days notice.
Up to 0.75%Instant AccessApply Now >
Open with £1. Earn 0.75% AER (variable) on balances above £50,000, 0.50% AER (variable) on balances between £25,000 and £49,999, 0.25% AER (variable) on balances between £10,000 and £24,999, and 0.10% (variable) AER on balanced between £1 and £9,999.
0.35%Instant AccessApply Now >
Instant access cash ISA open to new and existing customers. Transfers accepted. £10 minimum deposit.

There are a few different NatWest Cash ISAs to choose from, including:

  • Natwest Fixed Rate Cash ISAs - Terms from 1 to 3 years - compare rates in the table above
  • NatWest Cash e-ISA - Competitive rates and view your account 24/7

The features of Cash ISAs vary from one provider to the next, such as interest rates, minimum investment, and whether or not you can transfer money from another Cash ISA. Use the tables above to find out if Natwest Cash ISAs are right for you.

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested.

Investments in Stocks & Shares ISAs do not contain the same degree of capital security as investments in deposits. Stocks and shares ISAs are designed as medium to long term investments of, for example, five years or more. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

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