RBS Business Banking | Business Reserve


It’s could be an ideal way to separate your surplus funds from day-to-day business expenses and help control your business finances.
Our Business Reserve account gives you:
• Instant access to your business savings – when you need them.
• Unlimited withdrawals – make as many withdrawals as you need, without penalties.
• Interest calculated daily – and added to your business account every quarter.

Interest rates

Interest rates for the Business Reserve account

Rates effective from 30 May 2014.

Current gross
rate p.a.
AER (variable)
Net p.a.





250,000 - 999,999




1,000,000 +





Important information

Interest will be paid monthly.

Download Business Banking Terms for RBS business savings accounts (PDF File 420KB)

Interest rates explained

• Annual Equivalent Rate (AER) – this is a notional rate used for interest bearing accounts, which illustrates the interest rate if paid and compounded each year. It helps you to compare the effective rates of credit interest on different accounts.
• Net is the interest you are paid after deduction of basic rate income tax.
• Interest rates are correct at the date of publication, but are subject to variation at any time.
• Interest is paid subject to the required registration form having been provided to the Bank.
• You can view historical rates on our previous interest rates page

How to apply

Sign up for our Business Reserve savings account today

New customers

We will need details of your business (name, address and contact number) and to see proof of identity for all the parties to the business account. If you run a limited company, we will also need your company’s certificate of incorporation.

• Apply online
• Call us to apply over the phone.

We will need to check your identity in one of our branches once your application has been made.

Once you’ve submitted your completed application, we’ll do any required checks. Your account will usually be opened within two to four days.

To help you manage your account, you’ll automatically be enrolled in Digital banking and Telephone banking.

Existing customers

To complete your application, we need details of your business, your branch sort code and your account number. It will also need to be signed by the relevant signatories on your current account.

Apply online 
• Call us to apply over the phone.
• Visit one of our branches.

Once you’ve submitted your completed application, we’ll do any required checks. Your business savings account will usually be open and accessible when you login to
Digital banking within two to four days.

Get in touch Contact us
Call us

0800 404 9371

0800 404 6160

Mon-Fri 9am-8pm
Sat 10am-2pm
(excl. public holidays)
Calls may be recorded. 

Existing customers

0345 6002230

0800 404 6160

Mon-Sun 24/7
Calls may be recorded. 

Business banking Helping you get ahead

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