NatWest ISA rates

How NatWest's ISA rates compare

NatWest's highest easy access rate is 1.15% AER, on its Cash ISA. The highest easy access rate in our tables on 30 October 2026 was 4.86% AER.

Rates are set by each provider and can change. Compare every provider in the easy access, fixed rate and notice tables.

Taking money out of a NatWest ISA

Fixed Rate ISA, 1 Year (Issue 408)

No withdrawals after 23 November 2026. Closing early costs the lower of the interest earned or 90 days' interest.

Fixed Rate ISA, 2 Year (Issue 409)

No withdrawals after 23 November 2026. Closing early costs the lower of the interest earned or 90 days' interest.

Cash ISA

Withdraw any time without notice, by transfer to another NatWest account in your name or in branch. Not a flexible ISA.

Transferring an ISA to or from NatWest

All 3 of NatWest's adult Cash ISAs accept transfers in from other providers.

How to move an ISA to NatWest

• You need a NatWest Cash ISA before you can transfer an ISA in from another provider.
• In the NatWest app or Online Banking, choose the ISA you want to transfer into, go to "Transfer in an ISA", then choose "Transfer ISA from another provider".
• The NatWest support centre says transfers between all types of ISAs are allowed, subject to the account being transferred into accepting transfers in.
• Money from the current tax year must be transferred in full, while any amount can be moved from previous tax years.
• For the Fixed Rate ISA, NatWest must receive an external transfer request by the last date shown in the Information Sheet, with the funds available by the Start Date.
• If a cash ISA transfer is not completed within the expected timeline, NatWest backdates the interest, provided any Fixed Rate ISA transfer request met the key dates on the information sheet.

How long a transfer takes

NatWest lists up to 15 business days for an external transfer from a different provider and up to 30 calendar days for a Stocks and Shares ISA transfer. For a transfer out, NatWest says it carries out the transfer within 5 business days of receiving the instruction from the new ISA manager, or from a date you choose. gov.uk says ISA transfers should take no longer than 15 working days between Cash ISAs, and 30 calendar days for other types of transfer.

Moving an ISA away from NatWest

A NatWest Cash ISA can be moved in full or in part to another ISA manager, but money from the current tax year must be transferred in full. Transferring a fixed NatWest ISA to a different provider before maturity carries an Early Closure Charge, which does not apply to a transfer dated at least the day after the maturity date. You can move a Cash ISA from NatWest to another provider at any time. Ask the new provider to arrange the transfer: if you take the money out yourself, it leaves the ISA and paying it in again uses your allowance. A fixed rate ISA usually charges for leaving before the end of its term. See how ISA transfers work.

Transfer details checked on NatWest's own website on 9 October 2026.

Is the NatWest ISA flexible?

None of NatWest's adult Cash ISAs is a flexible ISA, so money you take out and pay back in counts towards your allowance again.

Good to know before you open one

Fixed Rate ISA, 1 Year (Issue 408)

Time-limited: new-to-bank customers can apply until 5pm on 4 November 2026 (existing customers until 9 November), or sooner if it sells out.

Fixed Rate ISA, 2 Year (Issue 409)

Time-limited: new-to-bank customers can apply until 5pm on 4 November 2026 (existing customers until 9 November), or sooner if it sells out.

Cash ISA

Needs a NatWest current account. The rate rises to 2.45% AER on the whole balance from £25,000.

About NatWest

Legal name

National Westminster Bank Plc (trading as NatWest)

Country of incorporation

England and Wales

Principal place of business

London, UK

Regulatory status

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 121878)

Deposit protection

FSCS, up to £120,000 per person per banking licence

Complaints

Financial Ombudsman Service

This page covers NatWest's Cash ISAs only. We have no commercial relationship with NatWest, and the order of the table is set by rate alone. See how we compare and how we make money.