Instant Savings Tracker

A base rate guarantee that
makes your money grow

Tired of keeping on top of rate changes? With Instant Savings Tracker, you know your interest rate is always up-to-date. It simply tracks the Bank of England base rate by a set percentage until 1st February 2009.



  • Stay up-to-date - your savings rate tracks changes in the Bank of England Base Rate
  • Access your funds - you can make up to three free withdrawals per quarter. And if you need to make more withdrawals, they cost just £1.50 each
  • Tiered interest rates - earn more when you reach each of the interest tiers. See the interest rates
  • Build your nest egg - a monthly Standing Order helps you to save regularly
  • Manage your money - bank over the internet, by telephone or in any branch of RBS International. Plus withdraw money at any cash machine where you see the Cirrus symbol


AmountGross Rate % p.a.AER %Tracking Rate -% below Bank of England Base Rate
£50,000 + 0.750.751.25
£25,000 - £49,9990.500.501.50
£10,000 - £24,9990.250.251.75
£5,000 - £9,9990.200.202.35
£500 - £4,9990.200.202.60
£1 - £4990.200.203.10

Interest rates are guaranteed to track the Bank of England Base Rate until 1st February 2009

An additional variable rate bonus equivalent of 1% gross is payable for the first three month an account being opened between 1st February - 30th April 2007 with a balance over £500.

Previously a variable bonus equivalent of 1% gross is payable for the first three months of accounts opened between 20th March - 15 May 2006 with a balance over £500. Previously 0.5% gross p.a. (0.25% Annual Equivalent Rate) was payable for the first six months the account was opened. The bonus is a limited offer and applies to balances of more than £500 only and accounts opened from 1 July 2005 - 30th September 2005, 4 May 2004 - 4 Jan 2005 or between 23 June 2003 - 28 December 2003

Last updated on: 02 January 2009



Gross rate - is the interest rate paid before the deduction of tax.

Annual Equivalent Rate (AER) - illustrates what the interest rate would be if paid and compounded each year.

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