Regular Saver

Royal Bank of Scotland Digital Regular Saver Review

A competitive regular saver from Royal Bank of Scotland, letting you save up to £150 a month for 1 year. It ranks 19th of 48 regular savers we track.

1 year

5.25%AER

Needs a Royal Bank of Scotland current account

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Monthly limit

£150

Max balance

No limit

Access

Instant

Interest paid

Monthly

Not with Royal Bank of Scotland yet? They're paying up to £500 to switch your current account.

See the switch offer

Rate Tiers

£1 – £5,000

5.25%AER

Over £5,000

1.00%AER

How It Stacks Up

Ranks 19th of 48

Regular savers we track

Above average
This account 5.25%
UK CPI (Aug 2026)
3.10%
Pays 2.15% more
Average regular saver
5.05%
Pays 0.20% more
Best regular saver
8.00%
Pays 2.75% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

Compare regular savers

A Good Fit For

  • Pro: Savers who want instant access
  • Pro: Savers who want a monthly income
  • Pro: People who can save a set amount each month

Worth Weighing Up

  • Con: You need a Royal Bank of Scotland current account to open it
  • Con: You can only pay in up to £150 a month

Good to Know

RBS current account required

Please verify all details with the provider – see our Disclaimer

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Estimated returns with Royal Bank of Scotland's Regular Saver

What you could earn with Royal Bank of Scotland's Digital Regular Saver.

Estimated interest

£50 a month

£17.06

At 5.25% AER

£100 a month

£34.13

At 5.25% AER

£150 a month

£51.19

At 5.25% AER

Estimated over one year, if the rate stays the same and interest is left in. Assumes you pay in that amount every month for the full term.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Royal Bank of Scotland Digital Regular Saver

Jonny PeaseCo-Founder, DepositScout

This account suits existing Royal Bank of Scotland customers who want a simple, automatic way to build a savings habit, as it is open to all customers rather than new ones only. The 5.25% rate beats CPI inflation of 3.1% by 2.15 percentage points, which is a genuine positive, but it sits below the regular saver market average and 2.75% behind the market leader at 8.00%. The real catch to watch is the tiered structure: once your balance exceeds £5,000, everything above that earns just 1.00%, so disciplined savers who max the £150 monthly deposit will eventually hit that ceiling.

Compare Regular Savers

2 alternatives to Royal Bank of Scotland's Digital Regular Saver

Same type of account, closest on rate.

Common questions about the Digital Regular Saver

D

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