NatWest Fixed Term Savings — 4.75% p.a.
United Kingdom · GBP · tenor 2 years · as of August 2026
NatWest two-year fixed deposit: 4.75% AER on balances up to £99,999 — the highest officially published rate in this overview.
- Rate p.a.
- 4.75%
- Product
- Fixed Term Savings
- Tenor
- 2 years
- Minimum deposit
- £1
- Maximum deposit
- £99,999
- Interest paid
- Monthly (AER 4.75% / Gross 4.65% p.a.)
- Deposit protection
- FSCS (United Kingdom), up to £120,000 per customer
- Currency
- GBP
NatWest publishes two tenors on the Fixed Term Savings Account page. For two years the rate is 4.75% AER (4.65% Gross p.a.) on £1–£99,999 and 4.85% AER on £100,000–£3,000,000. Here we compare the standard rate up to £99,999.
The current issue window for new customers runs until 2 September 2026, 5 p.m. (existing customers 7 September 2026) and may close early.
The deposit can be booked in euro or Swiss francs — with no GBP FX risk. UK FSCS cover applies up to £120,000 — not the EU scheme up to €100,000. We clarify settlement on a call.
Terms
- Tenor: 2 years (typical start 22 Sep 2026, maturity 22 Sep 2028)
- Minimum: from £1; rate shown for £1–£99,999
- Higher rate: 4.85% AER from £100,000
- Currency: GBP · Rate: AER, calculated monthly
- Source: NatWest Fixed Term Savings Account, as of August 2026
Official bank page: NatWest
Who it suits
Investors with a clear two-year horizon who want to check NatWest’s published rate — including those resident in Switzerland.
Risks and notes
- Early closure with a fee; the issue window is time-limited.
- Terms and settlement are clarified on a call.
- Rates can change before you apply.
Rates are indicative. The deposit sits with the bank — details in the terms. Terms