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Royal Bank of Scotland savings rates
8 accounts listed. The highest rate is 5.25% AER on the Digital Regular Saver (regular saver).
FSCS protection: up to £120,000 per person across everything you hold with The Royal Bank of Scotland plc.
Easy access
| Account | AER | Access | Min to open |
|---|---|---|---|
| Instant Access Cash ISAISA | 1.15% | Easy access | £1 |
| Flexible Saver | 1.00% | Easy access | £1 |
Fixed term
| Account | AER | Access | Min to open |
|---|---|---|---|
| Fixed Rate ISA (1 year)ISABeats inflation | 4.25% | Fixed for 1 year | £1,000 |
| Fixed Rate ISA (2 year)ISABeats inflation | 4.25% | Fixed for 2 years | £1,000 |
| Fixed Term Savings (2 year)Beats inflation | 4.15% | Fixed for 2 years | £1 |
| Fixed Term Savings (1 year)Beats inflation | 4.11% | Fixed for 1 year | £1 |
Regular saver
| Account | AER | Access | Min to open |
|---|---|---|---|
| Digital Regular SaverBeats inflation | 5.25% | Regular saver | £1 / £150 a month |
Children's saver
| Account | AER | Access | Min to open |
|---|---|---|---|
| First Saver | 1.60% | Easy access | £1 |
Compare Royal Bank of Scotland with every other bank
Who holds the money
- Deposit-taker
- Royal Bank of Scotland, a trading name of The Royal Bank of Scotland plc
- Incorporated in
- United Kingdom
- Regulated
- Yes, by the Prudential Regulation Authority and Financial Conduct Authority (FRN 114724)
- Protection and disputes
- Financial Services Compensation Scheme and Financial Ombudsman Service
- Capital
- Paid-up capital and reserves of £3,658m at 31 December 2025 (latest published accounts).
- Website
- rbs.co.uk. Every "Go to bank" link we show for Royal Bank of Scotland leads only to this domain.
Complaints and reviews
- Complaints to the bank
- Complaints the bank itself reported to the FCA about banking and credit cards, for THE ROYAL BANK OF SCOTLAND PUBLIC LIMITED COMPANY.17,394 complaints opened (2.66 for every 1,000 accounts); the bank upheld 58.8% of the complaints it closed. January to June 2026 (source)
These figures cover the whole firm behind Royal Bank of Scotland, including current accounts, cards and loans, not just savings. Bigger firms have more customers and so more complaints. Periods differ between sources and are months old when published. They never change our rate order. FCA-format figures contain public sector information licensed under the Open Government Licence v3.0.
This page lists every Royal Bank of Scotland account Juno has checked on the bank's own website, highest rate first. Rates can change at any time: check with the bank before you apply. "Beats inflation" means the AER, and the rate after any bonus, is above CPI inflation of 3.5% (September 2026, ONS), before tax. How we rank and how we're paid.