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Proud Partners of Team GB

Get your business into the swing of saving

Start saving like a pro with our Business Reserve account.

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What is it? Open in new window
What are the interest rates? Open in new window
Still got questions? Open in new window
I want to apply Open in new window

Access your funds anytime and earn interest when you save

Our Business Reserve instant access account could be right for businesses who:
  • Want to increase the return on any surplus cash
  • Want the flexibility of withdrawing savings without notice or penalty
  • Want a savings account without a minimum or maximum balance

Only available to businesses registered in England, Scotland and Wales. Interest calculated daily and applied on the last business day of each month.

Interest Rates

Balance

£0-£999,999
£1m - £9,999,999
£10m+

AER %

1.46
1.71
1.92

Gross Rate % p.a.

1.45
1.70
1.90

Rate valid from

15th August 2023
15th August 2023
15th August 2023
Interest rates are subject to variation. Gross Rate - the interest rate you are paid without the deduction of UK income tax. Annual Equivalent rate (AER) - this is a notional rate of interest used for interest bearing accounts, which illustrates the rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.
Check historical rates on our previous interest rates page

Eligibility

You can apply for a Business Reserve instant access account if you have a business registered in England, Scotland, or Wales.

More information

Please take some time to review the important information

Business account terms (PDF, 1.8 MB)

Business Reserve fact sheet (PDF, 968 KB)

Business Reserve information sheet (PDF, 725 KB)

I want to apply

Great, thanks for choosing our Business Reserve Account. Let's get started...

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Are you a new or existing customer?
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Is your business turnover...
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Ready to apply or prefer to discuss your options?
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Arrange a callback

Submit our Savings Account Enquiry Form to arrange a convenient date for us to give you a call. We'll go through the details of your business and complete your application on the call.

We're currently experiencing higher volumes than usual, so if we can't call you on your requested date we'll call you within 72 hours of receiving your request.

Please note:

  • If your business is a Trust, LLP, Mutual/Society, Scottish Partnership or Parish Council, we might need extra time to call you.
  • If you're opening a savings account for a charity, club, or society, at least one of the parties named in the application must be an existing NatWest customer.
  • If your business is based in Scotland and you don't currently hold an existing NatWest business or personal account, please apply with Royal Bank of Scotland or give us a call on 0345 600 2230.
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Arrange a callback

Give us a call

Our team are available to discuss the savings options available for your business. 

Give us a call on 0345 711 4477 between Monday - Friday 9am - 5pm GMT (excluding Bank Holidays).

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Apply by telephone

Because you don't have an existing business account with us, you'll need to apply over the phone. 

Call:  0345 030 3582

Relay UK Service: 18001 0345 030 3582

For more information on accessibility, visit our Accessibility hub 

Calls may be recorded for training and monitoring purposes.

To see how much your call might cost, visit the call charge information page.

Previous
Are you a Business or Commercial customer?
Previous
Next
OK, so you're an existing customer. Is the account for...
Previous
Next
Ready to apply or prefer to discuss your options?
Previous
Next

Arrange a callback

Submit our Savings Account Enquiry Form to arrange convenient date and time for us to give you a call. We'll go through the details of your business and complete your application on the call.

We're currently experiencing higher volumes than usual, so if we can't call you at your requested time and date we'll call you within 72 hours of receiving your request.

Please note:

  • If your business is a Trust, LLP, Mutual/Society, Scottish Partnership or Parish Council, we might need extra time to call you.
  • If you're opening a savings account for a charity, club, or society, at least one of the parties named in the application must be an existing NatWest customer.
  • If your business is based in Scotland and you don't currently hold an existing NatWest business or personal account, please apply with Royal Bank of Scotland or give us a call on 0345 600 2230.
Previous

Give us a call

Our team are available to discuss the savings options available for your business. 

Give us a call on 0345 711 4477 between Monday - Friday 9am - 5pm GMT (excluding Bank Holidays).

Previous
Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.
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Please apply for a Client Deposit Manager account

Click for more info on the Client Deposit Manager account and apply

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Please take some time to review the important info

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

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I have reviewed, and printed/or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet.
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Thanks! Looks like you’re all set and ready to begin

Start your Business Reserve application now

Previous

Please ensure you have reviewed, and printed or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet

Previous
OK, so you're an existing customer. Is the account for...
Previous
Next

Apply by telephone

Because you don't have an existing business account with us, you'll need to apply over the phone. 

Call: 0345 711 4477

Relay UK Service: 18001 0345 711 4477

For more information on accessibility, visit our Accessibility Hub 

Calls may be recorded for training and monitoring purposes.

To see how much your call might cost, visit the call charge information page.

Previous
Will the account be used to hold money on behalf of a 3rd party?
A third party would be one or more people and/or entities that are not connected to the running or ownership of the entity that is opening the additional account.
Previous
Next

Please apply for a Client Deposit Manager account

Click to view Client Deposit Manager account and apply

Previous

Please take some time to review the important info

Please take some time to review, print and/or save the important information. By clicking that you're ready to continue, you are confirming that you have been provided with, and have acknowledged our important documents.

Previous
Next
I have reviewed, and printed/or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet.
Previous
Next

Thanks! Looks like you’re all set and ready to begin

If you have Online Banking, Cora can open an additional account at your request, for any account types you already have.

Log in to Online Banking, click ‘Need help’ then ‘Chat now’. Or if you’re using the mobile app, tap ‘Help’, then ‘Chat to Cora’ and ask Cora to ‘open an additional account’. She’ll take the details and process your request.

If you don’t have Online Banking or the mobile app you can download the PDF form below to open additional accounts for businesses that we already hold accounts for.

To download the form:

  • Download Adobe Acrobat Reader (free download)
  • Right-click the link below and select 'save as' to download it to your computer (not a phone or tablet)
  • Right-click the form in its saved location and select 'Open with Adobe Acrobat Reader’

Download additional account form (PDF)  

(The form will not open in your browser. Please follow the instructions above.)

Please return the completed form to your dedicated service team.

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Please ensure you have reviewed, and printed or downloaded the terms and conditions, Financial Services Compensation Scheme information sheet and Product information sheet

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I don't know if I'm a Business or Commercial customer...

You are likely a Business customer if: 

  • Your turnover is generally £2M or below annually 
  • Your day to day contact team is Businessline - 03457 11 44 77

You are likely a Commercial customer if: 

  • Your turnover is generally over £2m annually 
  • Your day to day contact team is your Customer Service Team 

If you’re still not sure whether you’re a Business or Commercial customer then you can contact us for some help:

Start a chat with our virtual assistant Cora. Cora will gather a few details then get you to a member of the team who'll be happy to help. 

Or give us a call on: 

0345 711 4477

18001 0345 711 4477 (Relay UK)

0044 870 511 4477 (from overseas)

Our opening hours are Monday- Friday 8am-7pm and Saturday 9am-3pm.

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Chat to Cora

Something else we can help you with?